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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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

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

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Speaker 2: the podcast for millennials who want financial freedom. Welcome back

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Speaker 2: to another one of our money diaries where we get

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Speaker 2: to talk to one of our incredible Shees on the

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Speaker 2: Money community members all about their journey. Let's jump straight

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Speaker 2: into it. This week I got a message and it

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Speaker 2: went a little bit like this. Hi Victoria, I'm a

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Speaker 2: longtime listener and a long time delayer in writing in

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Speaker 2: I'm a nursing student currently on a five month unpaid

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Speaker 2: placement in rural slash remote Australia. I just turned twenty

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Speaker 2: and I've been working my ass off since I graduated

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Speaker 2: in twenty twenty. I'm really proud to say that between

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Speaker 2: full time UNI placements, travel and a pretty busy life,

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Speaker 2: I've managed to hit one hundred thousand dollars in savings.

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Speaker 2: There's like four exclamation points there, guys. I hit the

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Speaker 2: big one zero zero in November slash December last year

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Speaker 2: when I was nineteen, which was really exciting because my

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Speaker 2: aim was to hit it in three years and I

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Speaker 2: did it in one year and approximately ten months. Yeah,

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Speaker 2: are you kidding money, diarists? That is wild?

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Speaker 3: Thank you? Well, no, I can't really believe it either,

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Speaker 3: to be honest.

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Speaker 2: One hundred grand that is unrelatable content in this economy.

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Speaker 4: I know, well it doesn't yeah feel real, but I

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Speaker 4: actually did just crunch the numbers right before doing this interview,

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Speaker 4: and it's increased a little bit.

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Speaker 2: Since what is it aut You've got to share with us.

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Speaker 3: One point thirty five right now, so up.

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Speaker 2: Up and going, oh my god, I feel like this

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Speaker 2: is almost unbelievable. I was talking to some people in

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Speaker 2: the community the other day and about one of our

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Speaker 2: community members saving ten thousand dollars and they're like, that's impossible,

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Speaker 2: Like ten grand is wild in that period of time,

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Speaker 2: But you're saying that since November slash December last year,

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Speaker 2: you saved another thirty five thousand dollars. Like I'm not

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Speaker 2: even going to ask you the structured questions yet. I

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Speaker 2: need to know who, when, where, why, what when? How?

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Speaker 2: Like we need to know everything because this is it's

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Speaker 2: just wild to think that you're doing an unpaid placement,

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Speaker 2: which is a massive financial burden. And it's something that

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Speaker 2: I'm going to talk about soon on the pod because

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Speaker 2: I just think the unpaid placements, they don't have a

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Speaker 2: place in twenty twenty three. Like it is to me

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Speaker 2: absolutely wild to think that you would literally do thousands

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Speaker 2: of hours of work for free to work in healthcare,

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Speaker 2: Like that's such a special space. We should be paying

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Speaker 2: you to want to work in healthcare. Like anyway, I

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Speaker 2: won't go on and on about that because I got

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Speaker 2: a whole pod coming up on it. But Money Diarist,

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Speaker 2: how the heck do you say one hundred and fifty

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Speaker 2: five thousand dollars as a child?

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Speaker 3: Well, good question.

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Speaker 4: I mean, honestly, it's just being kind of my grind period,

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Speaker 4: I call it. Ever since I left school, I feel

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Speaker 4: like I've had just like some big financial goals that

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Speaker 4: I've worked towards, and I felt like as time went

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Speaker 4: on and I could see how much I was saving

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Speaker 4: and those goals kind of became closer, I just became

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Speaker 4: more and more motivated and driven. I actually really enjoy

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Speaker 4: my work. I think that's a really important thing to say,

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Speaker 4: because I couldn't do it if I didn't. I do

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Speaker 4: put in a lot of hours. It is really exhausting.

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Speaker 4: Sometimes it's hard to manage a lot of the time.

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Speaker 4: It's hard to manage with UNI, with social life, with

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Speaker 4: my love for travel, with all that sort of thing.

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Speaker 4: It can be really hard to manage. And I think

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Speaker 4: I couldn't do it if I didn't love what I do.

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Speaker 4: But yeah, and I should also mention like I have

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Speaker 4: a very supportive family and friends, and up until recently

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Speaker 4: when I moved out to rural slash remote Australia, I

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Speaker 4: was living at home, which did make things a lot easier.

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Speaker 2: Massive privilege, Massive privilege.

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Speaker 4: I'm very aware of that. I am lucky, not only

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Speaker 4: like obviously the cost of living. My parents weren't paying

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Speaker 4: for my groceries. I'm not paying for rent yet at

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Speaker 4: their house, and so that was massive privilege. But also

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Speaker 4: just now moving out, I've realized how my time that

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Speaker 4: I saved not living out of home and doing a

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Speaker 4: lot of those things for myself. So I think there

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Speaker 4: were lots of areas of privilege that came into it

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Speaker 4: living at home, and that was definitely something that enabled

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Speaker 4: me to work as much as I did. But yeah,

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Speaker 4: obviously on top of working a lot, I have developed

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Speaker 4: a bit of a structure for myself for how I

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Speaker 4: spend my money and how I budget, and it's something

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Speaker 4: that I've always been like super interested and super passionate about.

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Speaker 4: I'm a bit of an undercover finance nerd.

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Speaker 2: Shouldn't be undercover, everyone should be public finance nerves. I'm

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Speaker 2: a public finance nerd, and I don't want to be

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Speaker 2: the only one.

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Speaker 3: Okay, I'll join you, Thank.

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Speaker 2: You, thank you.

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Speaker 4: I don't really know where my love for finance came from,

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Speaker 4: but I yeah, I could talk about taxes, superannuation, budgeting,

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Speaker 4: anything all day every day time.

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Speaker 2: It's wild. It's almost like I do.

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Speaker 4: I'm jealous. Yeah, So I think that's played a big role,

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Speaker 4: Like not only my interest in it.

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Speaker 3: But obviously because I've been.

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Speaker 4: So interested in it, it's meant that I've learned a

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Speaker 4: lot from things like she's in the money and listening

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Speaker 4: to it twenty four to seven. So I think that

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Speaker 4: that's enabled me to put in, you know, budgets and

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Speaker 4: systems that have helped me sort of stay to a budget.

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Speaker 4: And when I say budget, I mean she's on the

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Speaker 4: money type budget where, well, where my money goes. It's

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Speaker 4: not restrictive, it's just I know my cash flow and

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Speaker 4: I'm very intentional with that. So it just means that

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Speaker 4: I know where everything's going. And I think that's been

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Speaker 4: huge in saving so much because I can see where my.

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Speaker 2: Money's going totally. I feel like all of that makes sense,

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Speaker 2: and I'm really glad that you kind of said yourself, Look,

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Speaker 2: there's a lot of privilege here because I think a

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Speaker 2: lot of people I think sometimes we just need to

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Speaker 2: call like a spade a spade, right, like it is

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Speaker 2: what it is, and I guess acknowledging it and moving

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Speaker 2: on because there's still a lot to learn from this story,

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Speaker 2: regardless of whether it's a privileged one or not. Because

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Speaker 2: I know so many people in our community who have

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Speaker 2: the exact same circumstances as you better in personal debt.

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Speaker 2: So it's not actually about just the privilege. Like the

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Speaker 2: privilege is a I guess, a diving board like it.

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Speaker 2: It's something that can take you to the next step,

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Speaker 2: or it could mean that you fall off it completely.

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Speaker 2: So let's get into it. I want to know more

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Speaker 2: about you because I know that loving what you do

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Speaker 2: is just not enough to be able to save one

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Speaker 2: hundred and thirty five K. So tell me a little

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Speaker 2: bit about yourself. The first question I always ask on

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Speaker 2: this pod is what gray would you give your money habits?

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Speaker 2: If I asked you to give yourself a grade from

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Speaker 2: A through to F, I will only be accepting A.

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Speaker 3: Well, I will probably say B.

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Speaker 2: Well, as you had just heard that's an unacceptable response.

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Speaker 4: Yeah, I do think that my attitude towards saving and

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Speaker 4: spending like is quite good for me. It works for me.

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Speaker 4: And as much as I've worked really hard on my

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Speaker 4: savings and I do have big financial goals, I also

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Speaker 4: know that money is a blessing and I know that

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Speaker 4: I don't want my saving goals to create a restrictive

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Speaker 4: relationship with money. So I think that yeah, I've at

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Speaker 4: the end of the day, like I work so hard

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Speaker 4: so that I can say yes to things and so

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Speaker 4: that I can enjoy my life. And I think I've

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Speaker 4: kind of got to quite a good point with that

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Speaker 4: balance of knowing why I work so hard, having good

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Speaker 4: savings goals, but knowing that at the end of the

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Speaker 4: day and working so hard so I can enjoy my life.

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Speaker 4: But yeah, as much as I'm also a finance nerd,

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Speaker 4: I am by no means perfect, and I feel like

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Speaker 4: I've a lot more to learn, Like I've just scraped

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Speaker 4: the surface. So that's why there's definitely room for improvement.

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Speaker 2: All Right, I will allow that response. It seems relatively

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Speaker 2: well thought out and quite intelligent, so I'll see myself

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Speaker 2: out With the next question. I want to know a

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Speaker 2: bit more about your money story. What was growing up? Like,

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Speaker 2: how did that work out? We already know obviously living

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Speaker 2: at home was a big part of this, but like,

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Speaker 2: let's go back a little bit further. What's your money story?

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Speaker 4: Like my friend, Well, yeah, as you said, I looked

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Speaker 4: at home until very recently, so up until nineteen oh

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Speaker 4: I moved out the day after my nineteenth birthday, So

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Speaker 4: I think that I've always had a very strong value

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Speaker 4: for money, literally from probably like a primary school age,

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Speaker 4: just being aware of how much things cost and asware

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Speaker 4: that as much as my parents did send me and

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Speaker 4: my siblings to private schools from me five, I know

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Speaker 4: that that was something that they really valued and their

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Speaker 4: sacrificed a lot to do that. And as much as

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Speaker 4: my parents weren't necessarily super explicit about money, they didn't

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Speaker 4: talk about it heaps. As I gotten older, I think

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Speaker 4: I've always like I've recognized how grateful i am that

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Speaker 4: although we were in a very villged environment, I think

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Speaker 4: they kept us very grounded and we were always aware

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Speaker 4: that they were sacrificing a lot for us to be

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Speaker 4: in the position that we were in. And I've always

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Speaker 4: been very grateful for that. But yeah, very cognizant of

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Speaker 4: the sacrifices that like that involved. But yeah, I got

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Speaker 4: my first job when I think I was about fifteen,

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Speaker 4: and I was just doing some footy umpiring and working

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Speaker 4: at the local cinema. So that's probably when I started

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Speaker 4: to learn a lot about finance because I had my

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Speaker 4: own money. I was earning my own money, and it

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Speaker 4: was quite exciting to see, Yeah, my own money and

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Speaker 4: to even like crunch the numbers on, like, oh, what

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Speaker 4: happens if I put aside this much every week? What

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Speaker 4: happens if I put it into a compound interest account?

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Speaker 4: Like I was a bit weird.

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Speaker 2: I wanted to get into all that that's not weird,

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Speaker 2: that's very attractive. But where did you learn about this?

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Speaker 2: Because I grew up with a dad who was an accountant, Right,

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Speaker 2: I felt so privileged, But also I just used to

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Speaker 2: argue with him about learning my times tables and anything

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Speaker 2: he taught me about the money that I had coming

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Speaker 2: in the door from my very first job. I didn't

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Speaker 2: listen to, Like I earned money so I could go

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Speaker 2: to the movies with my friends and then go to

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Speaker 2: McDonald's after and spend my money at Zaprey because I

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Speaker 2: needed to carry around that hot pink tote bag and

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Speaker 2: have a mini skirt. That was god awful. Right, So

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Speaker 2: for me, I feel like I was in a very

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Speaker 2: privileged position but didn't absorb any of that information. Like

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Speaker 2: how were you in this position where you had this knowledge?

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Speaker 4: I'd fifteen, Well, I mean I think when I say

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Speaker 4: at fifteen, like obviously that's I think when it started

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Speaker 4: and when I started just looking at money more and

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Speaker 4: be more interested and probably doing a lot of my

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Speaker 4: own research came from it. I mean, my dad is

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Speaker 4: like someone who I've always talked a lot of finance

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Speaker 4: stuff with. He's not in finance, but I think he's

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Speaker 4: probably quite similar to me in the way that it's

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Speaker 4: just been something he's always been super interested in, and

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Speaker 4: he's interested in shares and investment and we sort of

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Speaker 4: always talk about that. So I think he's given me

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Speaker 4: a lot of knowledge. But one thing I will say

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Speaker 4: actually is my previous relationship, which started when I was

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Speaker 4: in high school. We were both quite similar and we

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Speaker 4: had very similars of money goals. We were both motivated

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Speaker 4: in that way, and we pushed each other a lot

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Speaker 4: in that way, and I think we learn a lot

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Speaker 4: from each other. And I think that being obviously when

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Speaker 4: I was quite young, we kind of grew up together

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Speaker 4: and that probably influenced a lot of my money attitudes,

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Speaker 4: and I just I think we learned a lot from

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Speaker 4: each other. And I definitely learned heaps from him, So yeah,

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Speaker 4: that was probably a big factor. Even his family, I

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Speaker 4: definitely learned a lot from them. So yeah, a few

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Speaker 4: different avenues as I've gotten older, but I would say

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Speaker 4: initially it was a bit more of like a self

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Speaker 4: research something I was interested in, so it was almost

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Speaker 4: a hobby.

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Speaker 2: Just a smart cookie who has her head screwed on.

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Speaker 2: I wish I was that smart at fifteen. You're running

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Speaker 2: laps around me. I was forty k in debt by

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Speaker 2: the age of twenty two, and you're here with one

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Speaker 2: hundred and thirty five thousand dollars in savings at twenty.

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Speaker 2: I stand at no chance. But that is okay. I

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Speaker 2: want to know now. We need to know now, what

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Speaker 2: do you do for work? How much money do you earn?

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Speaker 4: So at the moment, I'm obviously in a bit of

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Speaker 4: a different situation to what I was back home because

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Speaker 4: I'm out in rural, remote Australia on placement, on played placement.

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Speaker 4: I am actually working out here and on the side

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Speaker 4: of placement and UNI, so I'm doing disability support work,

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Speaker 4: which is primarily what I did back home anyway. So

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Speaker 4: I earned roughly. It does vary, and I've always had

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Speaker 4: varied incomes, so it's hard to crunch the numbers. But

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Speaker 4: I earned roughly like one eight hundred to two thy

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Speaker 4: one hundred dollars a.

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Speaker 2: Week per week as a student nurse. Yeah, holy moly,

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Speaker 2: no wonder you're good at savings.

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Speaker 4: Yeah, I mean it does vary a bit, and it's

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Speaker 4: means I am doing a lot of hours. But as

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Speaker 4: I said, I enjoy what I do. But in Sydney,

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Speaker 4: back home, I was earning well. Last year, I earned

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Speaker 4: about eighty thousand dollars and that was probably more than

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Speaker 4: the year before. I haven't figured. I can't remember what

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Speaker 4: it was.

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Speaker 3: The year before, but I'm casual work.

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Speaker 4: I was doing everything with casual work, So I was

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Speaker 4: doing nannying, Disphilly support work, some like sport coaching stuff

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Speaker 4: and a few little things on the sides and babysity

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Speaker 4: and whatnot. So yeah, it did vary a lot, and

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Speaker 4: there were weeks where I was earning nothing because I

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Speaker 4: was away traveling or I was on I did a

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Speaker 4: real placement last year where I was earning nothing, and

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Speaker 4: then yeah, it would range two. I think my highest

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Speaker 4: ending week last year was two thousand, eight hundred, but yeah,

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Speaker 4: most week's, most working weeks were probably about one thousand,

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Speaker 4: eight hundred.

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Speaker 2: Absolutely all right, Well, I want to know a bit

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Speaker 2: more because that to me seems wild and I think

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Speaker 2: that a lot of people are going to think, oh,

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Speaker 2: my gosh, she is a student nurse making between eighteen

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Speaker 2: hundred and twenty one hundred a week. And if I

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Speaker 2: extrapolate that out right, let's pretend for a hot second

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Speaker 2: that you make on average eighteen hundred dollars a week.

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Speaker 2: Like we've gone with the lower number, that's still one

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Speaker 2: hundred thousand dollar income as a student nurse. So these

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Speaker 2: things start to add up, right, Like, it starts to

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Speaker 2: make sense that you have good savings and if you're

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Speaker 2: making this while living at home, like the story checks out,

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Speaker 2: that you maybe had a very high savings capacity because

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Speaker 2: your take home salary would have been very very sexy. Right,

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Speaker 2: But how as a student nurse did you get into

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Speaker 2: disability support work? Because I feel like that's an area

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Speaker 2: that I've had a few questions recently about, Well, how

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Speaker 2: do you get into it? What is it? What kind

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Speaker 2: of qualifications do I need? Did you need to be

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Speaker 2: a fully qualified nurse to do this? Or took me

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Speaker 2: through how you got into that?

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Speaker 3: Sure?

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Speaker 4: Well, first of all, no, you don't need to be

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Speaker 4: a qualified nurse. You don't actually need to even be

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Speaker 4: studying nursing It obviously depends what area of disability support

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Speaker 4: work that you're looking at going into. So some do

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Speaker 4: require some certifications. Some do require you to even be

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Speaker 4: an RN, which I obviously can't even do yet, and

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Speaker 4: the pay and things like that, it does very accordingly.

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Speaker 4: So yeah, it depends on the level of needs of

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Speaker 4: the client, but in general you don't need any qualifications.

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Speaker 4: I started straight after school. I think i'd finished. They

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Speaker 4: just see like three weeks earlier. And I started with

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Speaker 4: a client who I was quite lucky in the way

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Speaker 4: that it was actually kind of a family connection. It

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Speaker 4: was through a friend that I knew that I met

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Speaker 4: my first client, and I loved that so much. I

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Speaker 4: hadn't intended on going into disability support work, but I

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Speaker 4: love that so much that that sort of is what

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Speaker 4: started everything. And then I worked for a couple of

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Speaker 4: different companies and then also started to get my own

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Speaker 4: independent clients, and now I just do independent clients so

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Speaker 4: through my own ABN, and you know, with my own

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Speaker 4: insurance and tax and so stuff.

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Speaker 2: That's so wild. You're a literal child and you've set

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Speaker 2: up an ABN to do disability support work like you

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Speaker 2: are so intelligent. It is wild. All I want to know.

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Speaker 2: You've obviously got one hundred and thirty five thousand dollars saved,

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Speaker 2: but what is your big money goal, Like, what are

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Speaker 2: we working towards here?

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Speaker 3: Well, ideally i'd love to buy property.

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Speaker 4: That's sort of been a goal for the past a

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Speaker 4: little bit, and I'd love to do that by the

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Speaker 4: end of the year. It is a little bit more

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Speaker 4: complex because I am a casual worker and I do

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Speaker 4: have a varied income, so things like getting alone is

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Speaker 4: a lot harder.

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Speaker 2: Not impossible though, with the Riot mortgage broke out, like

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Speaker 2: we deal with that a lot variable incomes and casual

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Speaker 2: work and having your own ABN Like, as long as

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Speaker 2: you've got clean financials, it should not be too hard

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Speaker 2: to organize. But not all brokers have that experience, so

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Speaker 2: make sure you find a good one.

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Speaker 4: Ay, that's why I applied to Zella Money.

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Speaker 2: Actually, did you actually are ready?

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Speaker 3: You're on this like two weeks ago. I haven't got

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Speaker 3: round to.

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Speaker 2: Booking an appointment yet with Kate.

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Speaker 3: Yeah, but I've started.

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Speaker 4: But yeah, so in an ideal world, I will do

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Speaker 4: that by the end of the year, sooner rather than later.

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Speaker 4: But if it works out that I need to have

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Speaker 4: a full time contract before I can secure a loan.

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Speaker 4: Then it will have to be started next year. But yeah,

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Speaker 4: so that's kind of my money golf for the moment.

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Speaker 4: But I'm also twenty and I love travel and that's

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Speaker 4: a big priority for me at the moment. So my

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Speaker 4: focus is to do the whole house property thing when

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Speaker 4: I feel like I can balance the priority to like

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Speaker 4: travel and live life as well. I would like to

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Speaker 4: be quite confident that I can serve as a mortgage

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Speaker 4: whilst living the lifestyle that I want to live, because

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Speaker 4: it's a big thing to take on a mortgage at

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Speaker 4: twenty years old, and I don't wanted to ruin my life.

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Speaker 2: No, absolutely not. I'm so proud of you. I have

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Speaker 2: so many more questions. Let's go to a really quick break,

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00:19:16,359 --> 00:19:18,480
Speaker 2: and then after the break, I am going to dive

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Speaker 2: straight back in to absolutely grilling you. Guys. Don't go anywhey,

369
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Speaker 2: All right, money diarist, we are back. I want to

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Speaker 2: know you mentioned before that your dad was into stocks

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Speaker 2: and kind of like being on the share market, and

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Speaker 2: that you learned a bit from there. Do you have

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Speaker 2: any investments, If so, what are they?

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Speaker 3: Yes? So, I my dorky finance side stop.

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Speaker 2: Calling it dorky. I'm a cool mom, not a regular mom.

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Speaker 3: Finance side.

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Speaker 4: My cool finance side meant that I've always been interested

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Speaker 4: in shares. I remember always sitting in class at school

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00:19:57,119 --> 00:20:00,199
Speaker 4: and doing like research on shares. So I bought my

380
00:20:00,240 --> 00:20:02,720
Speaker 4: first ones when I would have been seventeen.

381
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Speaker 2: When I have a kid one day, I want them

382
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Speaker 2: to be like cut paste of you.

383
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Speaker 4: Stop.

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Speaker 3: That's the biggest commment I go.

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Speaker 2: I want my kids at school to be in trouble

386
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Speaker 2: for not doing their work, and when their teacher goes

387
00:20:14,320 --> 00:20:17,359
Speaker 2: Victoria such and such, they're in trouble. They don't do

388
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Speaker 2: any work. All they do is research shares. I'll be

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Speaker 2: like that, it's my child.

390
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Speaker 4: Yeah, well that was me. Yeah. My first ones I

391
00:20:26,200 --> 00:20:28,720
Speaker 4: bought when I was seventeen, and that was obviously under

392
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Speaker 4: my dad's name because I wasn't eighteen.

393
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Speaker 2: You're a minor.

394
00:20:32,000 --> 00:20:33,200
Speaker 3: I wasn't mine exactly.

395
00:20:33,760 --> 00:20:37,080
Speaker 4: But now I have I use superhero and I have

396
00:20:37,119 --> 00:20:40,560
Speaker 4: about forty six thousand dollars invested there.

397
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Speaker 2: In addition to you one hundred and thirty five. No, oh,

398
00:20:43,440 --> 00:20:45,119
Speaker 2: my god, I thought I was going to have to

399
00:20:45,119 --> 00:20:46,040
Speaker 2: fall off my chair.

400
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Speaker 3: No, no, no, no, I count my investments as my.

401
00:20:49,440 --> 00:20:50,800
Speaker 2: Savings yep, stunning.

402
00:20:51,520 --> 00:20:54,680
Speaker 4: And then I have another eleven thousand dollars in spaceship,

403
00:20:55,000 --> 00:20:58,080
Speaker 4: so I do regular investments with them that I've just

404
00:20:58,600 --> 00:21:01,280
Speaker 4: set up to automatically do it without me having to

405
00:21:01,280 --> 00:21:04,320
Speaker 4: think about it. And then I'm probably looking at investing

406
00:21:04,359 --> 00:21:08,800
Speaker 4: another twenty thousand at the moment, just because my money

407
00:21:08,800 --> 00:21:11,080
Speaker 4: may as well work for me instead of sitting in

408
00:21:11,119 --> 00:21:14,879
Speaker 4: a savings account that's earning not much. So yeah, and

409
00:21:14,920 --> 00:21:18,760
Speaker 4: then I plan to do my first home super saviors

410
00:21:19,200 --> 00:21:24,320
Speaker 4: do some contributions to that before and after tax time, right, Yes,

411
00:21:24,560 --> 00:21:25,560
Speaker 4: of course you thought of that.

412
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Speaker 2: I would never give a device or talk about it.

413
00:21:28,080 --> 00:21:31,120
Speaker 4: I'm glad you came up not one clear on all

414
00:21:31,160 --> 00:21:34,000
Speaker 4: of it. But I know that you have your oh

415
00:21:34,040 --> 00:21:35,600
Speaker 4: what's it called that it's us with C.

416
00:21:35,760 --> 00:21:38,000
Speaker 2: Word concessional contributions.

417
00:21:37,440 --> 00:21:38,640
Speaker 3: Sessional contributions.

418
00:21:38,760 --> 00:21:43,280
Speaker 4: Yes, so I know that there's concessional contributions, and so

419
00:21:43,280 --> 00:21:45,520
Speaker 4: I'm hoping to actually be able to make a contribution

420
00:21:45,600 --> 00:21:48,280
Speaker 4: for the last financial year because I didn't use up

421
00:21:48,320 --> 00:21:49,960
Speaker 4: all my concessional contributions.

422
00:21:50,040 --> 00:21:52,040
Speaker 2: I don't know that your accountant should be able to

423
00:21:52,080 --> 00:21:54,119
Speaker 2: tell you that. But also the girls that Xela money

424
00:21:54,119 --> 00:21:55,639
Speaker 2: will be able to tell you what you can and

425
00:21:55,720 --> 00:21:58,240
Speaker 2: can't put in, because turns out they are completely across

426
00:21:58,240 --> 00:22:00,560
Speaker 2: the first time Super Savis game. Oh so that five

427
00:22:00,640 --> 00:22:04,040
Speaker 2: times really really quickly, and you get an award. But

428
00:22:04,359 --> 00:22:07,360
Speaker 2: that's so exciting if you're going to and I want

429
00:22:07,359 --> 00:22:09,040
Speaker 2: to ask this question because I think other people are

430
00:22:09,080 --> 00:22:10,960
Speaker 2: going to want to know as well. So you've got

431
00:22:10,960 --> 00:22:13,959
Speaker 2: forty six thousand invested in Superhero, You've got eleven grand

432
00:22:14,000 --> 00:22:18,120
Speaker 2: on Spaceship, but you're considering investing another twenty grand. Where

433
00:22:18,400 --> 00:22:20,399
Speaker 2: how are you doing that research? What are we looking

434
00:22:20,480 --> 00:22:22,800
Speaker 2: into at the moment, and where are you thinking about

435
00:22:22,800 --> 00:22:23,280
Speaker 2: putting that?

436
00:22:23,359 --> 00:22:26,160
Speaker 4: Well, yeah, I'm not entirely sure yet, but I generally

437
00:22:26,560 --> 00:22:30,840
Speaker 4: sort of think about some companies that might be in

438
00:22:30,880 --> 00:22:35,560
Speaker 4: the right industry at the right time, So I generally

439
00:22:35,600 --> 00:22:38,640
Speaker 4: go for more like blue chip top two hundred sort

440
00:22:38,640 --> 00:22:40,880
Speaker 4: of thing. I'm a bit of a safe investor at

441
00:22:40,880 --> 00:22:45,400
Speaker 4: the moment, so yeah, I'll generally research particular companies based

442
00:22:45,440 --> 00:22:49,240
Speaker 4: on the climate and what industries I see is good

443
00:22:49,240 --> 00:22:51,720
Speaker 4: to invest in at the time. But yeah, I will

444
00:22:51,760 --> 00:22:54,840
Speaker 4: also talk to my dad about it, and I have

445
00:22:55,320 --> 00:22:57,600
Speaker 4: a friend who's actually really into shares as well. So

446
00:22:57,640 --> 00:23:01,240
Speaker 4: we usually discussed that, but yeah, I don't have I'm

447
00:23:01,480 --> 00:23:05,000
Speaker 4: no professional at it. I tend to just look around now,

448
00:23:05,080 --> 00:23:05,520
Speaker 4: of course not.

449
00:23:05,640 --> 00:23:08,560
Speaker 2: It's just so interesting to see what people in our

450
00:23:08,560 --> 00:23:11,119
Speaker 2: community are doing and how they're doing their research, because

451
00:23:11,240 --> 00:23:13,199
Speaker 2: I feel like so many of us get what I

452
00:23:13,240 --> 00:23:16,240
Speaker 2: call analysis paralysis, like we over analyze and then we

453
00:23:16,280 --> 00:23:18,600
Speaker 2: look at it, and like, I love knowing what our

454
00:23:18,640 --> 00:23:23,160
Speaker 2: community is choosing because it's just helpful on our journeys. Right,

455
00:23:23,359 --> 00:23:25,840
Speaker 2: So I want to be even more pervy. I'm really sorry.

456
00:23:25,920 --> 00:23:28,399
Speaker 2: So you've got eleven grand in Spaceship, which is a

457
00:23:28,440 --> 00:23:31,960
Speaker 2: micro investing platform, So when you invest on Spaceship, you

458
00:23:32,040 --> 00:23:35,000
Speaker 2: basically go into their portfolio and you would have picked

459
00:23:35,040 --> 00:23:36,520
Speaker 2: one of their I think they've got five or six

460
00:23:36,600 --> 00:23:39,080
Speaker 2: or even maybe seven now options that you can pick

461
00:23:39,080 --> 00:23:41,520
Speaker 2: from based on risk profile. So you don't actually get

462
00:23:41,560 --> 00:23:43,520
Speaker 2: an option of what you're investing in. You just get

463
00:23:43,560 --> 00:23:46,480
Speaker 2: to choose your risk profile. But then you mentioned that

464
00:23:46,560 --> 00:23:51,080
Speaker 2: you have about forty six thousand dollars on Superhero, which

465
00:23:51,160 --> 00:23:53,320
Speaker 2: is a platform that the Sheese on the Money community

466
00:23:53,560 --> 00:23:56,480
Speaker 2: also loves and has spoken about a number of times.

467
00:23:57,160 --> 00:23:59,040
Speaker 2: What have you picked on there and why?

468
00:23:59,200 --> 00:24:01,800
Speaker 4: So A lot of the companies I have for under

469
00:24:01,800 --> 00:24:09,000
Speaker 4: Superhero relatively big, like top ASEX companies, And I think

470
00:24:09,040 --> 00:24:16,720
Speaker 4: I'm diversified across about eight different or maybe ten different companies.

471
00:24:16,320 --> 00:24:19,639
Speaker 2: So individual stocks, not eating yes, like you've gone, Oh,

472
00:24:19,680 --> 00:24:21,280
Speaker 2: she's bougie, she's fancy.

473
00:24:21,640 --> 00:24:22,240
Speaker 3: Yeah, I know.

474
00:24:22,520 --> 00:24:26,360
Speaker 4: I think I have one ETF, but primarily individual stocks.

475
00:24:26,840 --> 00:24:29,760
Speaker 4: And I sort of like my dad always taught me

476
00:24:29,800 --> 00:24:33,680
Speaker 4: to diversify with your industries that you're investing in. So

477
00:24:34,000 --> 00:24:37,160
Speaker 4: I did a lot of investment into travel during COVID.

478
00:24:37,440 --> 00:24:39,640
Speaker 2: If I could wine back time, I would have done

479
00:24:39,720 --> 00:24:42,359
Speaker 2: a lot more investing in travel. I just feel like

480
00:24:42,560 --> 00:24:45,480
Speaker 2: I went into crisis mode during that time managing my

481
00:24:45,520 --> 00:24:48,919
Speaker 2: client's portfolios. Didn't even look at mine. It was just

482
00:24:49,000 --> 00:24:51,640
Speaker 2: in this crisis mode, and I thought all my clients

483
00:24:51,680 --> 00:24:54,520
Speaker 2: are gonna lose their absolute minds. Do you know what?

484
00:24:54,520 --> 00:24:56,639
Speaker 2: They didn't. They were all like, oh, like we're in

485
00:24:56,720 --> 00:25:00,440
Speaker 2: economic downturn, Like why are you stressed? But you would

486
00:25:00,480 --> 00:25:01,640
Speaker 2: be well.

487
00:25:01,720 --> 00:25:04,080
Speaker 4: I mean, I wish that I had invested more in

488
00:25:04,160 --> 00:25:07,120
Speaker 4: travel back then, as we all do, and I think

489
00:25:07,160 --> 00:25:09,919
Speaker 4: I was in quite a good position that Obviously I

490
00:25:10,040 --> 00:25:12,560
Speaker 4: was young and just starting my investment journey. And all

491
00:25:12,600 --> 00:25:15,760
Speaker 4: that when it was the middle of COVID. So I wasn't,

492
00:25:16,160 --> 00:25:18,600
Speaker 4: you know, I wasn't a retiree who was stressing about

493
00:25:19,000 --> 00:25:22,119
Speaker 4: getting into safe investments. I was like, look, I'm in

494
00:25:22,160 --> 00:25:24,800
Speaker 4: the position now to take the risk. If you know,

495
00:25:24,880 --> 00:25:29,320
Speaker 4: this pandemic continues and they tank even more, that's actually okay.

496
00:25:29,960 --> 00:25:32,879
Speaker 4: In it for the long haul. So yeah, I have

497
00:25:32,960 --> 00:25:35,119
Speaker 4: a lot of travel at the moment. And then I

498
00:25:35,320 --> 00:25:37,920
Speaker 4: diversified across a few different industries.

499
00:25:38,080 --> 00:25:40,240
Speaker 2: When we say you've picked like, what eight to ten

500
00:25:40,359 --> 00:25:43,240
Speaker 2: different companies that make sense to you, are we picking

501
00:25:43,600 --> 00:25:45,920
Speaker 2: niche companies that we've never heard of, or are these

502
00:25:45,960 --> 00:25:49,639
Speaker 2: like blue chip stocks that kind of everyone in Australia

503
00:25:49,720 --> 00:25:51,120
Speaker 2: is going to know and love. And when I say

504
00:25:51,160 --> 00:25:54,960
Speaker 2: blue chip stocks, they're usually the tried and true, big

505
00:25:55,000 --> 00:25:57,639
Speaker 2: companies like you would think of the big four banks

506
00:25:57,640 --> 00:26:00,760
Speaker 2: as being blue chip, BHP would be blue chap Woodstock

507
00:26:00,800 --> 00:26:02,919
Speaker 2: would be blue chip. And these the type of companies

508
00:26:03,000 --> 00:26:05,000
Speaker 2: or are you kind of taking a punt on these

509
00:26:05,040 --> 00:26:07,200
Speaker 2: eight to ten or are you a little bit more conservative?

510
00:26:07,320 --> 00:26:10,080
Speaker 3: I'm probably more like conservative.

511
00:26:09,520 --> 00:26:10,960
Speaker 2: Same girlfriends, same don't worry.

512
00:26:11,040 --> 00:26:16,280
Speaker 4: Yeah, they're generally they're bigger blue chip ones. And that's

513
00:26:16,520 --> 00:26:20,800
Speaker 4: honestly solely for the reason that I don't know where

514
00:26:20,840 --> 00:26:23,560
Speaker 4: to start looking for smaller ones. I could relate to

515
00:26:23,600 --> 00:26:26,679
Speaker 4: the analysis paralysis, like where do you start? How do

516
00:26:26,760 --> 00:26:32,240
Speaker 4: people find companies that are smaller, riskier ones or you.

517
00:26:32,200 --> 00:26:34,320
Speaker 3: Know, startups or whatever.

518
00:26:34,800 --> 00:26:37,400
Speaker 4: I don't know how to I'm not I love shares,

519
00:26:37,560 --> 00:26:39,800
Speaker 4: I'm so interested in it, but I don't have the

520
00:26:39,840 --> 00:26:43,360
Speaker 4: time to commit to researching that, and I wouldn't even

521
00:26:43,359 --> 00:26:44,960
Speaker 4: know where to start if I did have the time.

522
00:26:45,359 --> 00:26:48,680
Speaker 4: So yeah, they generally are blue chip ones that I'll

523
00:26:49,080 --> 00:26:52,880
Speaker 4: literally just go through the list of like ASEX top

524
00:26:52,880 --> 00:26:56,639
Speaker 4: one hundred or two hundred, and I will Google search

525
00:26:57,040 --> 00:27:01,200
Speaker 4: that company name, and I will look at their share

526
00:27:01,240 --> 00:27:04,679
Speaker 4: price over the past however long they'll give me, and

527
00:27:04,800 --> 00:27:08,960
Speaker 4: I tend to invest based on like my strategy is

528
00:27:09,160 --> 00:27:12,080
Speaker 4: generally getting when they're low. If it's a blue chip

529
00:27:12,240 --> 00:27:15,560
Speaker 4: top two hundred, I personally feel like it's not a

530
00:27:15,600 --> 00:27:17,960
Speaker 4: massive risk to get them when they're low, and they

531
00:27:18,000 --> 00:27:22,240
Speaker 4: may be like they're tanking comparative to their usual price

532
00:27:22,640 --> 00:27:25,359
Speaker 4: they've tanked, most people will go eek, don't want to

533
00:27:25,400 --> 00:27:28,200
Speaker 4: invest in that. What's going on there? And unless there's

534
00:27:28,240 --> 00:27:32,760
Speaker 4: a specific reason as to why they've tanked and it's

535
00:27:32,760 --> 00:27:36,600
Speaker 4: something that could continue. That's generally when I'll choose to invest,

536
00:27:36,640 --> 00:27:38,720
Speaker 4: because I see it as an opportunity. If they're a

537
00:27:38,720 --> 00:27:42,040
Speaker 4: blue chip, trustworthy company and it's unlikely that they're going

538
00:27:42,119 --> 00:27:45,400
Speaker 4: to go under, that to me is getting shares.

539
00:27:45,040 --> 00:27:49,000
Speaker 2: On sale, very very exciting. I love asking questions like this,

540
00:27:49,359 --> 00:27:50,760
Speaker 2: just confirming you said, do you want to be a

541
00:27:50,840 --> 00:27:54,280
Speaker 2: nurse not a financial advisor? You're not interested in working

542
00:27:54,320 --> 00:27:57,760
Speaker 2: for Zella at any point in time, Just confirming.

543
00:27:59,000 --> 00:28:02,760
Speaker 4: I mean, if that's a opportunity, I'll give you my resume.

544
00:28:02,520 --> 00:28:04,800
Speaker 2: But turn out a ten. We'll talk after this.

545
00:28:04,840 --> 00:28:08,640
Speaker 4: Recording my life, I've always said in another life, I

546
00:28:08,680 --> 00:28:12,239
Speaker 4: would study finance and have a Korean finance and I

547
00:28:12,280 --> 00:28:15,639
Speaker 4: think that I love nursing and I love health and

548
00:28:15,680 --> 00:28:18,520
Speaker 4: that's what I'm really interested in. But I think my

549
00:28:18,600 --> 00:28:21,160
Speaker 4: second career could be in finance, and I would love that.

550
00:28:21,760 --> 00:28:24,240
Speaker 4: And there has been times when I've had doubt or

551
00:28:24,240 --> 00:28:27,120
Speaker 4: whatever about what I'm doing, as we all do, and

552
00:28:27,160 --> 00:28:30,040
Speaker 4: I have gone on to university websites and looked at

553
00:28:30,080 --> 00:28:30,840
Speaker 4: finance degrees.

554
00:28:31,359 --> 00:28:34,879
Speaker 3: So it is something that I would love to do

555
00:28:34,880 --> 00:28:35,479
Speaker 3: in the future.

556
00:28:35,800 --> 00:28:38,280
Speaker 4: But at the moment, it's just a bit of a

557
00:28:38,360 --> 00:28:39,240
Speaker 4: passion and a hobby.

558
00:28:39,400 --> 00:28:41,560
Speaker 2: No, I love it, keep it up. I also love

559
00:28:41,600 --> 00:28:45,520
Speaker 2: this concept that you're literally not even an RN yet

560
00:28:45,760 --> 00:28:48,400
Speaker 2: you're already talking about your second career. It's so gen

561
00:28:48,520 --> 00:28:51,080
Speaker 2: z to be like, Okay, my first career is going

562
00:28:51,080 --> 00:28:53,720
Speaker 2: to be in nursing, and then my second career, I'm

563
00:28:53,720 --> 00:28:55,080
Speaker 2: going to go do this Like we're not even just

564
00:28:55,080 --> 00:28:57,920
Speaker 2: talking about job hopping here. We're talking about like complete

565
00:28:58,000 --> 00:29:01,520
Speaker 2: pivots career. I'm obsessed with it. I love it. I

566
00:29:01,560 --> 00:29:03,720
Speaker 2: could talk to you all day. I need to get

567
00:29:03,720 --> 00:29:05,840
Speaker 2: on with the questions though, and the next question I

568
00:29:05,880 --> 00:29:08,000
Speaker 2: already know the answer to, but we're going to ask

569
00:29:08,160 --> 00:29:11,840
Speaker 2: because formula is formula. Do you have any debts? If so,

570
00:29:11,960 --> 00:29:12,520
Speaker 2: what are they?

571
00:29:12,840 --> 00:29:14,560
Speaker 4: No, I don't have any debts.

572
00:29:14,640 --> 00:29:16,960
Speaker 2: Nobody saw that coming. That is so surprising.

573
00:29:19,360 --> 00:29:22,080
Speaker 4: I hope I won't have any debts apart from good

574
00:29:22,120 --> 00:29:25,120
Speaker 4: ones in the future. Obviously a plan to get a mortgage.

575
00:29:25,640 --> 00:29:28,640
Speaker 4: I don't have any hex at the moment, and I

576
00:29:28,680 --> 00:29:31,600
Speaker 4: won't with this degree. But yeah, I could go back

577
00:29:31,640 --> 00:29:35,600
Speaker 4: to union study finance, so I might have some ex dentdings.

578
00:29:36,000 --> 00:29:39,160
Speaker 2: We don't have to do a thousand hours of like

579
00:29:39,320 --> 00:29:42,720
Speaker 2: volunteer work, So that's like a bonus if you want

580
00:29:42,720 --> 00:29:44,640
Speaker 2: to kind of like segue before I get to the

581
00:29:44,760 --> 00:29:49,360
Speaker 2: last two questions. Obviously, having so many savings is making

582
00:29:49,400 --> 00:29:52,680
Speaker 2: the journey of becoming an as so much easier, I

583
00:29:52,680 --> 00:29:55,760
Speaker 2: would assume than it is for a lot of You know,

584
00:29:55,880 --> 00:29:57,920
Speaker 2: a lot of my friends went through this process when

585
00:29:57,960 --> 00:30:00,200
Speaker 2: we were at UNI, and I remember talking to them

586
00:30:00,200 --> 00:30:03,400
Speaker 2: about having to do all of these like internships and

587
00:30:03,480 --> 00:30:06,800
Speaker 2: all of this placement that you weren't paid for. How

588
00:30:06,840 --> 00:30:09,960
Speaker 2: are you funding that? Is it through your savings? And

589
00:30:10,280 --> 00:30:12,880
Speaker 2: how are your friends, in the same course funding that,

590
00:30:12,920 --> 00:30:17,080
Speaker 2: Because I feel like it's such a backwards theory that

591
00:30:17,400 --> 00:30:19,440
Speaker 2: you're the one that has to pay in your time

592
00:30:19,480 --> 00:30:23,080
Speaker 2: and energy and you know, loss of income in every

593
00:30:23,120 --> 00:30:25,520
Speaker 2: other aspect of your life to actually become a nurse.

594
00:30:25,560 --> 00:30:28,800
Speaker 2: To me, that's such a backward system. How are you

595
00:30:28,920 --> 00:30:30,120
Speaker 2: and your friends managing that?

596
00:30:30,400 --> 00:30:34,000
Speaker 4: Well? Yeah, frankly, to get serious, I just I hate

597
00:30:34,000 --> 00:30:37,400
Speaker 4: the idea of unpaid placement. I agree that, Yeah, I

598
00:30:37,440 --> 00:30:41,520
Speaker 4: think it's just fundamentally wrong. There's a huge gap in

599
00:30:42,000 --> 00:30:46,640
Speaker 4: our need for nurses and healthcare workers in general, so

600
00:30:46,760 --> 00:30:49,360
Speaker 4: it is baffling to me that in order to become

601
00:30:49,400 --> 00:30:53,160
Speaker 4: a nurse you need to do unpaid placement, and I

602
00:30:53,200 --> 00:30:56,640
Speaker 4: have seen so many people drop out for that reason.

603
00:30:56,960 --> 00:30:59,440
Speaker 4: I've seen people I've got friends now who've dropped down

604
00:30:59,480 --> 00:31:02,840
Speaker 4: to part time because they cannot. At the start of

605
00:31:02,840 --> 00:31:05,880
Speaker 4: the year, they said, I cannot financially do full time

606
00:31:05,920 --> 00:31:09,480
Speaker 4: this year because I can't support myself through placement. I

607
00:31:09,560 --> 00:31:13,400
Speaker 4: personally like at the moment in my degree, we've only

608
00:31:13,440 --> 00:31:17,440
Speaker 4: ever had two week placements at a time, and I've

609
00:31:17,520 --> 00:31:20,320
Speaker 4: worked throughout that, which has been really challenging and I

610
00:31:20,400 --> 00:31:24,280
Speaker 4: probably wouldn't recommend doing. It's definitely led to burnout. At

611
00:31:24,320 --> 00:31:27,360
Speaker 4: the end of those two weeks, I'm exhausted and was

612
00:31:27,520 --> 00:31:31,320
Speaker 4: definitely sleep deprived. So yeah, it definitely hasn't been easy.

613
00:31:31,560 --> 00:31:34,320
Speaker 4: Placement is really tricky, and I know a lot of

614
00:31:34,360 --> 00:31:37,760
Speaker 4: people find it to be huge burden financially. But yeah,

615
00:31:37,800 --> 00:31:41,440
Speaker 4: I've worked throughout, obviously at decreased hours to what I'd

616
00:31:41,520 --> 00:31:46,040
Speaker 4: usually do, and it is that extra challenge of, Yeah,

617
00:31:46,040 --> 00:31:48,840
Speaker 4: it's frustrating going on placement and knowing that, oh, I'm

618
00:31:48,840 --> 00:31:51,000
Speaker 4: just going to have to give up work to be,

619
00:31:52,040 --> 00:31:55,720
Speaker 4: you know, at a hospital full time doing unpaid hours.

620
00:31:55,880 --> 00:31:58,480
Speaker 4: So yeah, it is really frustrating. It's hard to manage.

621
00:31:59,200 --> 00:32:04,240
Speaker 4: It doesbviously mean that my income takes dip, but generally

622
00:32:04,480 --> 00:32:07,720
Speaker 4: I work throughout and that's just sort of how I've

623
00:32:07,800 --> 00:32:11,080
Speaker 4: managed to not go into my savings when I'm on placement.

624
00:32:11,240 --> 00:32:14,920
Speaker 2: That's awesome to hear. I want to know a bit

625
00:32:14,920 --> 00:32:18,040
Speaker 2: more about the placement. I guess the nature of placement

626
00:32:18,120 --> 00:32:21,280
Speaker 2: you could call it, because when I was younger and

627
00:32:21,320 --> 00:32:24,040
Speaker 2: I was in my first degree at university, I didn't

628
00:32:24,160 --> 00:32:26,880
Speaker 2: unpaid internship, and at the time I thought it was

629
00:32:26,920 --> 00:32:29,280
Speaker 2: like the best opportunity in the entai world. And if

630
00:32:29,320 --> 00:32:31,440
Speaker 2: you've listened to lots of podcasts, you've probably heard me

631
00:32:31,480 --> 00:32:34,240
Speaker 2: talk about this before, where at the time I thought

632
00:32:34,280 --> 00:32:37,440
Speaker 2: it was like the best opportunity. But in hindsight, I'm like, ah,

633
00:32:37,480 --> 00:32:39,720
Speaker 2: that's unpaid labor that you probably should have been paying

634
00:32:39,720 --> 00:32:42,520
Speaker 2: me for and the product that I created while working

635
00:32:42,560 --> 00:32:44,520
Speaker 2: for you you now sell and make a whole heap

636
00:32:44,560 --> 00:32:46,360
Speaker 2: of money off. Like we're not going to name and shame,

637
00:32:46,440 --> 00:32:51,800
Speaker 2: but like I remember being so excited about the opportunity

638
00:32:51,840 --> 00:32:53,600
Speaker 2: because they'd told me the dream, right, They're like, you're

639
00:32:53,640 --> 00:32:54,880
Speaker 2: going to get so much out of this, you're going

640
00:32:54,920 --> 00:32:57,760
Speaker 2: to do this, this, this, and this. But when you're

641
00:32:57,800 --> 00:33:01,080
Speaker 2: doing an unpaid placement here in Australia, technically you're not

642
00:33:01,200 --> 00:33:04,400
Speaker 2: meant to contribute to the work as an unpaid intern.

643
00:33:04,400 --> 00:33:06,680
Speaker 2: You're meant to just like watch on and watch people

644
00:33:06,720 --> 00:33:09,360
Speaker 2: do things and learn, you know, just through seeing them.

645
00:33:09,400 --> 00:33:11,840
Speaker 2: If that's the nature of the placement. But I know

646
00:33:11,960 --> 00:33:13,840
Speaker 2: that's not true for nurses, right, Like you're not just

647
00:33:13,880 --> 00:33:16,840
Speaker 2: going into a hospital for one thousand hours and standing

648
00:33:16,840 --> 00:33:18,800
Speaker 2: around and watching the doctors and nurses work.

649
00:33:18,840 --> 00:33:19,120
Speaker 4: Are you?

650
00:33:19,200 --> 00:33:22,760
Speaker 2: What are you doing on that unpaid placement?

651
00:33:23,120 --> 00:33:26,440
Speaker 4: Yeah? So in an ideal world, yes, that's placements meant

652
00:33:26,440 --> 00:33:27,000
Speaker 4: to be learning.

653
00:33:27,040 --> 00:33:28,120
Speaker 3: You're meant to go in there.

654
00:33:28,240 --> 00:33:31,720
Speaker 4: And I believe we actually technically pay for placement through

655
00:33:31,760 --> 00:33:32,760
Speaker 4: our university piece.

656
00:33:32,880 --> 00:33:36,040
Speaker 2: Oh that's good. Yeah, that makes absolute sense. That checks

657
00:33:36,080 --> 00:33:37,640
Speaker 2: out right, pay for the privilege.

658
00:33:37,880 --> 00:33:42,320
Speaker 4: Yeah, exactly so in theory, I believe that's why you

659
00:33:42,360 --> 00:33:44,240
Speaker 4: pay for replacement, because you're meant to go in and

660
00:33:44,320 --> 00:33:47,360
Speaker 4: learn from them, and they're meant to like have the

661
00:33:47,440 --> 00:33:51,800
Speaker 4: staffing to facilitate you just being there to learn. I

662
00:33:51,800 --> 00:33:54,920
Speaker 4: don't think I've ever been in a clinical environment where

663
00:33:55,000 --> 00:33:58,360
Speaker 4: that is the case. It varies depending on where you're

664
00:33:58,360 --> 00:34:02,120
Speaker 4: placed and depending on the staffing. But in this current climate,

665
00:34:02,280 --> 00:34:05,120
Speaker 4: like in our health system, and not to out it

666
00:34:05,160 --> 00:34:08,040
Speaker 4: too much, but it's a bit of a disaster with nursing,

667
00:34:08,200 --> 00:34:10,879
Speaker 4: and I've seen it firsthand. I didn't believe it until

668
00:34:10,960 --> 00:34:13,719
Speaker 4: I was on placement and I was like, this is

669
00:34:13,719 --> 00:34:17,560
Speaker 4: a disaster. Like the ratios. Everything is just a disaster.

670
00:34:17,719 --> 00:34:20,240
Speaker 4: And I had to be an extra pair of hands.

671
00:34:20,280 --> 00:34:22,040
Speaker 2: Okay, absolutely, And if.

672
00:34:21,880 --> 00:34:25,640
Speaker 4: You're there, standing there, you know with obviously it's your

673
00:34:25,680 --> 00:34:29,800
Speaker 4: degree progresses, you have more and more skills. So especially

674
00:34:29,880 --> 00:34:34,560
Speaker 4: now where I'm almost well kind of almost graduated, got

675
00:34:34,600 --> 00:34:36,360
Speaker 4: the rest of the year to go, then I'll be graduated.

676
00:34:36,920 --> 00:34:38,920
Speaker 4: You know, they will see me as an extra pair

677
00:34:38,960 --> 00:34:42,480
Speaker 4: of hands and they will use me. And that's an

678
00:34:42,520 --> 00:34:44,799
Speaker 4: important way to learn. I want to learn. I want

679
00:34:44,840 --> 00:34:47,200
Speaker 4: to be there to do that and I want to

680
00:34:47,239 --> 00:34:50,000
Speaker 4: help out the nurses themselves. But it is a little

681
00:34:50,000 --> 00:34:53,880
Speaker 4: bit for the system that we are seen as an

682
00:34:53,880 --> 00:34:55,960
Speaker 4: extra pair of hands and that we have to be

683
00:34:56,000 --> 00:34:59,520
Speaker 4: an extra pair of hands because it's so understaffed. So yeah,

684
00:34:59,520 --> 00:35:02,759
Speaker 4: and it's to be on placement and doing what the

685
00:35:02,840 --> 00:35:04,000
Speaker 4: nurses are doing and.

686
00:35:03,920 --> 00:35:05,600
Speaker 2: Not being paid for it one hundred percent.

687
00:35:05,800 --> 00:35:09,359
Speaker 4: You are sometimes doing the exact same And don't get

688
00:35:09,360 --> 00:35:11,880
Speaker 4: me wrong, they have years more experience and.

689
00:35:11,920 --> 00:35:14,920
Speaker 2: They know what they're doing, oh of course.

690
00:35:14,719 --> 00:35:17,800
Speaker 4: But it is frustrating to sometimes be doing the exact

691
00:35:17,800 --> 00:35:20,880
Speaker 4: same thing and you're not being paid. In fact, you're

692
00:35:20,880 --> 00:35:24,240
Speaker 4: paying to be there, and obviously they're getting paid. So yeah,

693
00:35:24,400 --> 00:35:26,920
Speaker 4: it's forwed. I don't know exactly how to fix it,

694
00:35:27,000 --> 00:35:29,120
Speaker 4: but the system is flawed.

695
00:35:29,200 --> 00:35:32,520
Speaker 2: Yeah, I feel like that makes absolute sense. And I mean,

696
00:35:32,840 --> 00:35:35,279
Speaker 2: on the flip side of that, exactly what you're saying, right,

697
00:35:35,320 --> 00:35:39,200
Speaker 2: Like if I was doing an internship or if I

698
00:35:39,280 --> 00:35:43,879
Speaker 2: was doing a placement, especially in healthcare, where so much

699
00:35:43,880 --> 00:35:46,120
Speaker 2: of it is not really about the theory. It's about

700
00:35:46,160 --> 00:35:47,839
Speaker 2: the practice. Like you've got to get the theory right

701
00:35:47,880 --> 00:35:50,080
Speaker 2: and that's why you go to university, but obviously the

702
00:35:50,120 --> 00:35:53,680
Speaker 2: practical is so important that they make you do these placements.

703
00:35:53,800 --> 00:35:54,000
Speaker 1: Right.

704
00:35:54,800 --> 00:35:57,200
Speaker 2: I would want to be being hands on. I feel

705
00:35:57,200 --> 00:36:00,000
Speaker 2: like I'm a hands on learner. I want that experience,

706
00:36:00,160 --> 00:36:03,080
Speaker 2: But at the same time, I genuinely believe you should

707
00:36:03,120 --> 00:36:06,520
Speaker 2: be remunerated for that. Do you feel like there's this,

708
00:36:06,640 --> 00:36:10,839
Speaker 2: I guess, legacy kind of attitude in the hospitals or

709
00:36:10,920 --> 00:36:14,160
Speaker 2: just with other nurses who maybe already have all of

710
00:36:14,200 --> 00:36:17,040
Speaker 2: the experience and are now being paid that well, you're

711
00:36:17,040 --> 00:36:19,719
Speaker 2: an internal, you know your on placement, you have to

712
00:36:19,760 --> 00:36:22,680
Speaker 2: pay your dues kind of vibe because I feel like

713
00:36:22,719 --> 00:36:25,040
Speaker 2: that would exist and is one of the flaws of

714
00:36:25,080 --> 00:36:27,360
Speaker 2: the system where you know, well you can clean all

715
00:36:27,360 --> 00:36:29,640
Speaker 2: the bed pants, because when I was a on placement,

716
00:36:29,640 --> 00:36:31,080
Speaker 2: that's what I had to do, and you kind of

717
00:36:31,120 --> 00:36:32,320
Speaker 2: cut your teeth right.

718
00:36:32,160 --> 00:36:33,000
Speaker 3: One hundred percent.

719
00:36:33,080 --> 00:36:37,480
Speaker 4: There definitely is that sort of attitude of like you're

720
00:36:37,480 --> 00:36:39,399
Speaker 4: at the bottom of the food chain, like you've got

721
00:36:39,440 --> 00:36:43,120
Speaker 4: to do the dirty work. I think when I particularly

722
00:36:43,120 --> 00:36:45,680
Speaker 4: when I was first starting out, when I was started

723
00:36:45,719 --> 00:36:48,720
Speaker 4: my degree, on my first placements, I was just willing

724
00:36:48,719 --> 00:36:52,000
Speaker 4: to do anything. I wanted to do anything. I wanted

725
00:36:52,040 --> 00:36:55,000
Speaker 4: to learn as much as I could out of the placements.

726
00:36:55,440 --> 00:37:00,280
Speaker 4: I was happy to do whatever, and that didn't bother me. Now, well,

727
00:37:00,600 --> 00:37:03,520
Speaker 4: I can really see the nurses who genuinely want you

728
00:37:03,600 --> 00:37:06,480
Speaker 4: to learn and the nurses who want you to do

729
00:37:06,520 --> 00:37:07,280
Speaker 4: their dirty work.

730
00:37:07,400 --> 00:37:07,560
Speaker 2: Yeah.

731
00:37:07,560 --> 00:37:11,600
Speaker 4: Absolutely, and it is very obvious. You really notice as

732
00:37:11,600 --> 00:37:13,719
Speaker 4: well when you're with a nurse who wants you to

733
00:37:13,800 --> 00:37:18,800
Speaker 4: learn and I've had I've been partnered with incredible nurses

734
00:37:18,800 --> 00:37:22,799
Speaker 4: and teachers who may not even have been in the

735
00:37:23,239 --> 00:37:26,160
Speaker 4: like in nursing that long, and they will just do

736
00:37:26,280 --> 00:37:28,560
Speaker 4: everything they can to teach you. And I've had nurses

737
00:37:28,600 --> 00:37:30,520
Speaker 4: say to me, no, no, no, you don't need to

738
00:37:30,560 --> 00:37:32,440
Speaker 4: do that. You don't have to do all the dirty jobs.

739
00:37:32,440 --> 00:37:35,000
Speaker 4: I'll do it, like, you don't just have to do that,

740
00:37:35,280 --> 00:37:37,400
Speaker 4: and I was like, no, I'm happy to. And I

741
00:37:37,440 --> 00:37:39,560
Speaker 4: think when you're with someone who really wants you to

742
00:37:39,680 --> 00:37:42,040
Speaker 4: learn and who's treating you really well, you don't mind

743
00:37:42,080 --> 00:37:44,920
Speaker 4: doing the dirty work. You're like, it's almost like thanking

744
00:37:44,960 --> 00:37:45,680
Speaker 4: them on.

745
00:37:45,680 --> 00:37:48,200
Speaker 2: One hundred percent because it's a respect thing. You're giving

746
00:37:48,280 --> 00:37:50,719
Speaker 2: them a hand. Like you don't become a nurse because

747
00:37:50,760 --> 00:37:52,399
Speaker 2: you don't want to do those like no one wants

748
00:37:52,400 --> 00:37:54,040
Speaker 2: to do those things. But at the end of the day,

749
00:37:54,040 --> 00:37:58,000
Speaker 2: it's helping your patient and it's putting everybody in a

750
00:37:58,000 --> 00:37:59,719
Speaker 2: better position. So you just want to get it done.

751
00:38:00,080 --> 00:38:02,520
Speaker 2: Don't want to feel like someone's taking advantage of your

752
00:38:02,600 --> 00:38:03,840
Speaker 2: kindness exactly.

753
00:38:03,920 --> 00:38:05,440
Speaker 3: It's all how it happens.

754
00:38:05,440 --> 00:38:08,040
Speaker 4: I think if someone's taking advantage of your kindness, and

755
00:38:08,239 --> 00:38:11,920
Speaker 4: someone is taking advantage of having a student who they

756
00:38:12,000 --> 00:38:14,480
Speaker 4: can force to do the dirty work. Then that's when

757
00:38:14,520 --> 00:38:18,440
Speaker 4: it's frustrating. When you're with an amazing nurse who genuinely

758
00:38:18,480 --> 00:38:21,440
Speaker 4: wants you to learn and is putting their time and

759
00:38:21,520 --> 00:38:25,600
Speaker 4: effort into you, then you're like, well, I'll do whatever

760
00:38:25,640 --> 00:38:29,160
Speaker 4: I can to help out you, and like, obviously they're

761
00:38:29,200 --> 00:38:32,120
Speaker 4: for the patience if it's going to help them too. Absolutely,

762
00:38:32,400 --> 00:38:34,440
Speaker 4: of course there's no issues with it. So yeah, it

763
00:38:34,560 --> 00:38:35,600
Speaker 4: is all about the approach.

764
00:38:35,640 --> 00:38:38,799
Speaker 2: I think, Yeah, it's so interesting to have these conversations.

765
00:38:38,840 --> 00:38:41,680
Speaker 2: I'm sorry I have. I guess segued into that, but

766
00:38:42,120 --> 00:38:44,680
Speaker 2: at the moment, while doing a lot of research on this,

767
00:38:44,800 --> 00:38:48,480
Speaker 2: it's just it's grinding my gears so much more than

768
00:38:48,480 --> 00:38:50,600
Speaker 2: it did before. Like before I was like, oh, you know,

769
00:38:50,800 --> 00:38:52,960
Speaker 2: I was in their similar position, But I'm looking at it,

770
00:38:53,000 --> 00:38:55,080
Speaker 2: I'm like, healthcare, what do you mean? Like, you, guys,

771
00:38:55,719 --> 00:39:00,120
Speaker 2: we learned through the pandemic just how essential first responders

772
00:39:00,160 --> 00:39:02,800
Speaker 2: and people on the front line are. Yet we're still

773
00:39:02,840 --> 00:39:06,360
Speaker 2: taking advantage by making them work harder than the average

774
00:39:06,400 --> 00:39:08,640
Speaker 2: bear to even get into that job, like it's some

775
00:39:08,680 --> 00:39:11,840
Speaker 2: sort of privilege, Like it is anyway, I won't go

776
00:39:11,920 --> 00:39:12,479
Speaker 2: on and on.

777
00:39:12,600 --> 00:39:17,440
Speaker 4: Yeah, it's amazing how our approach to getting healthcare workers

778
00:39:17,480 --> 00:39:20,480
Speaker 4: hasn't changed since the pandemic. It's amazing that we're not

779
00:39:21,320 --> 00:39:25,600
Speaker 4: like the process to become a nurse is. I don't

780
00:39:25,600 --> 00:39:28,200
Speaker 4: know why they haven't tried to make it easier. I

781
00:39:28,200 --> 00:39:30,640
Speaker 4: don't know why they haven't tried to enumerate us for

782
00:39:30,719 --> 00:39:33,640
Speaker 4: our placement hours. There's so many things that are stopping

783
00:39:33,680 --> 00:39:36,000
Speaker 4: people along the way, and it's like, no, wonder we

784
00:39:36,080 --> 00:39:38,440
Speaker 4: don't have any well, not enough nurses.

785
00:39:38,520 --> 00:39:40,600
Speaker 2: There would be so many beautiful people that we're missing

786
00:39:40,640 --> 00:39:43,520
Speaker 2: out on having in that space just because they simply

787
00:39:43,560 --> 00:39:45,600
Speaker 2: can't afford it. But they're probably the right people to

788
00:39:45,640 --> 00:39:48,560
Speaker 2: be in the right position, So it's arguably a privilege

789
00:39:48,600 --> 00:39:51,400
Speaker 2: to get that far. Like, it's such a deep conversation

790
00:39:51,640 --> 00:39:54,040
Speaker 2: that we will definitely go into even further on the

791
00:39:54,080 --> 00:39:58,480
Speaker 2: podcast very soon. Money arrest, I want to know, though,

792
00:39:58,600 --> 00:40:00,600
Speaker 2: I feel like you've got so many them, So I'm

793
00:40:00,600 --> 00:40:02,640
Speaker 2: going to make you pick a best What is your

794
00:40:02,719 --> 00:40:03,720
Speaker 2: best money habit?

795
00:40:03,880 --> 00:40:07,960
Speaker 4: I would probably say tracking my spending. It's a pretty

796
00:40:08,000 --> 00:40:10,759
Speaker 4: simple thing to do, and I think it's made the

797
00:40:10,760 --> 00:40:15,400
Speaker 4: biggest difference to me. So I, yeah, I have an

798
00:40:15,440 --> 00:40:20,000
Speaker 4: excel spread geet sexy. It doesn't have any fancy formulas

799
00:40:20,400 --> 00:40:23,799
Speaker 4: or anything in it. I just simply track down where

800
00:40:23,800 --> 00:40:26,759
Speaker 4: all my money's going. I need that as well for

801
00:40:27,280 --> 00:40:31,399
Speaker 4: as I'm like partially self employed and obviously do all

802
00:40:31,400 --> 00:40:33,560
Speaker 4: my own tax and stuff, I actually need to keep

803
00:40:33,600 --> 00:40:35,640
Speaker 4: track of how much I'm earning as well from each job.

804
00:40:36,239 --> 00:40:39,680
Speaker 4: So that's probably made the biggest difference for me, because

805
00:40:39,680 --> 00:40:43,719
Speaker 4: I can see where my money's going. And I think

806
00:40:43,760 --> 00:40:45,799
Speaker 4: for me, I've always had the approach with money of

807
00:40:45,880 --> 00:40:49,960
Speaker 4: being intentional. I don't mind spending a whole bunch of

808
00:40:50,000 --> 00:40:53,719
Speaker 4: money on travel or on things that align with my values.

809
00:40:54,200 --> 00:40:57,759
Speaker 4: I wouldn't necessarily say I'm a stingy person, because I'll

810
00:40:57,760 --> 00:41:00,839
Speaker 4: happily spend a lot of money on what I want

811
00:41:00,880 --> 00:41:03,640
Speaker 4: to spend my money on. So I think by tracking it,

812
00:41:03,719 --> 00:41:06,919
Speaker 4: I can see where my money's going, and it does reinforce,

813
00:41:07,320 --> 00:41:10,319
Speaker 4: like it just shows you where there's maybe gaps, like

814
00:41:10,400 --> 00:41:13,320
Speaker 4: where is my money going where that actually doesn't align

815
00:41:13,560 --> 00:41:16,080
Speaker 4: with my values and I don't.

816
00:41:15,840 --> 00:41:17,719
Speaker 3: Want to do that anymore. You can sort of see

817
00:41:17,719 --> 00:41:18,840
Speaker 3: it more clearly.

818
00:41:18,800 --> 00:41:23,000
Speaker 2: Love flip it on its head though you seem incredibly

819
00:41:23,000 --> 00:41:25,879
Speaker 2: good with money. So I just don't know if you're

820
00:41:25,880 --> 00:41:28,359
Speaker 2: even going to have a response to this, what's your

821
00:41:28,360 --> 00:41:30,880
Speaker 2: worst money habit? My friend, I definitely do.

822
00:41:31,120 --> 00:41:34,480
Speaker 4: I'm by no means perfect. I'm sorry if I've given

823
00:41:34,520 --> 00:41:35,880
Speaker 4: off that impression.

824
00:41:35,440 --> 00:41:38,319
Speaker 2: But no, I'm taking the mickey. I think that you

825
00:41:38,400 --> 00:41:41,880
Speaker 2: are very honestly, from my perspective, really well balanced. Like

826
00:41:41,920 --> 00:41:44,759
Speaker 2: the way you're approaching this, the way that you're acknowledging

827
00:41:44,880 --> 00:41:47,640
Speaker 2: the way privilege has come into your money story as

828
00:41:47,680 --> 00:41:51,280
Speaker 2: well as you know, even just the hustle of working

829
00:41:51,320 --> 00:41:54,680
Speaker 2: through your placements, Like it's obvious that it's not just

830
00:41:54,760 --> 00:41:57,760
Speaker 2: privilege that plays into this, it is hard work as well.

831
00:41:57,840 --> 00:41:59,960
Speaker 2: And I think you know, at a time like now,

832
00:42:00,280 --> 00:42:02,520
Speaker 2: when people are probably going to be honestly, there are

833
00:42:02,560 --> 00:42:04,120
Speaker 2: going to be people who are going to be triggered

834
00:42:04,320 --> 00:42:06,560
Speaker 2: by hearing that you have so much in savings. But

835
00:42:06,640 --> 00:42:08,919
Speaker 2: I think that that's more of a reflection of them

836
00:42:09,040 --> 00:42:12,720
Speaker 2: feeling a little bit insecure than downplaying what you have done.

837
00:42:12,840 --> 00:42:15,160
Speaker 2: And I think that it's really important to talk about

838
00:42:15,200 --> 00:42:17,520
Speaker 2: it that way because if people are listening to this going,

839
00:42:17,520 --> 00:42:19,400
Speaker 2: oh my god, she's perfect money, can't believe she has

840
00:42:19,440 --> 00:42:21,600
Speaker 2: a bad money habit, like we all do it doesn't

841
00:42:21,640 --> 00:42:23,719
Speaker 2: matter if you had a million dollars in savings, you

842
00:42:23,760 --> 00:42:26,080
Speaker 2: could still have bad money habits. So my friend, what

843
00:42:26,239 --> 00:42:26,480
Speaker 2: is it?

844
00:42:26,920 --> 00:42:30,160
Speaker 4: Well, I would probably say, like most people, I'm a

845
00:42:30,200 --> 00:42:32,759
Speaker 4: sucker for a sale. Yeah, a sale gets me in.

846
00:42:33,000 --> 00:42:34,520
Speaker 4: I am a marketer's dream.

847
00:42:34,680 --> 00:42:36,439
Speaker 2: Oh so am I straight down the rabbit hole.

848
00:42:37,680 --> 00:42:40,880
Speaker 4: But also as well my super, I think that I

849
00:42:41,080 --> 00:42:45,960
Speaker 4: have done contributions to super, and because I've had work

850
00:42:46,000 --> 00:42:49,880
Speaker 4: that's been through a company like I haven't done. I

851
00:42:49,960 --> 00:42:53,800
Speaker 4: haven't been self employed for it. I've obviously had SUPER

852
00:42:53,920 --> 00:42:58,160
Speaker 4: that's been contributed on my behalf through them, but because

853
00:42:58,200 --> 00:43:02,280
Speaker 4: I'm managing it now at the moment, I'm completely self employed.

854
00:43:02,840 --> 00:43:08,319
Speaker 4: My souper is completely my responsibility and that is just

855
00:43:08,480 --> 00:43:12,040
Speaker 4: hard to manage, honestly, just timing wise. Like to sit

856
00:43:12,120 --> 00:43:14,960
Speaker 4: down and go through my super and do the process

857
00:43:15,000 --> 00:43:17,640
Speaker 4: of making my own contributions. It takes time and I'm

858
00:43:17,680 --> 00:43:22,200
Speaker 4: probably a little bit slack with it. So yeah, I

859
00:43:22,239 --> 00:43:24,000
Speaker 4: hope that I get a little bit better with that.

860
00:43:24,000 --> 00:43:25,600
Speaker 4: That's definitely something I can work on.

861
00:43:25,880 --> 00:43:28,280
Speaker 2: I feel like that's very fair and that is something

862
00:43:28,320 --> 00:43:30,560
Speaker 2: that most small business owners or people who are self

863
00:43:30,600 --> 00:43:32,960
Speaker 2: employed are going to resonate with. Like we've all been

864
00:43:33,040 --> 00:43:35,800
Speaker 2: terrible at doing our own super. I guess the best

865
00:43:35,840 --> 00:43:38,239
Speaker 2: tip I have there is when I do it for

866
00:43:38,280 --> 00:43:40,640
Speaker 2: me personally, I just do it quarterly. You might be

867
00:43:40,719 --> 00:43:43,480
Speaker 2: doing basses, and if you're not doing basses, that's okay.

868
00:43:43,600 --> 00:43:45,759
Speaker 2: But bass time seems to be a time to kind

869
00:43:45,800 --> 00:43:47,960
Speaker 2: of like reconcile all my accounts, get everything up to date,

870
00:43:48,000 --> 00:43:50,319
Speaker 2: and make a super contribution. And I feel like if

871
00:43:50,320 --> 00:43:52,840
Speaker 2: you lump it all in with that, it becomes process

872
00:43:52,960 --> 00:43:54,920
Speaker 2: as opposed to trying to find a time in the

873
00:43:54,960 --> 00:43:58,040
Speaker 2: month to actually do that. And there might be a

874
00:43:58,080 --> 00:43:59,440
Speaker 2: lot of people to go, oh vi, but I want

875
00:43:59,440 --> 00:44:01,080
Speaker 2: to do that weekly or I want to do that monthly,

876
00:44:01,120 --> 00:44:03,520
Speaker 2: and that's so fine because there's going to be different

877
00:44:03,560 --> 00:44:06,719
Speaker 2: systems that work for different people. I actually need the

878
00:44:06,760 --> 00:44:09,920
Speaker 2: structure of going, okay, cool, it's time to do all

879
00:44:09,960 --> 00:44:12,319
Speaker 2: my reconciliations and make sure my bass is on point

880
00:44:12,360 --> 00:44:14,600
Speaker 2: and everything is good to go, and I also do

881
00:44:14,680 --> 00:44:17,520
Speaker 2: my super then so maybe that will help. But who knows.

882
00:44:17,880 --> 00:44:21,680
Speaker 4: Yeah, I think some structure would be very helpful because

883
00:44:21,680 --> 00:44:23,640
Speaker 4: at the moment, it's just like when I think of

884
00:44:23,680 --> 00:44:24,640
Speaker 4: it and can find.

885
00:44:24,440 --> 00:44:28,160
Speaker 2: Time exactly, No, I just remind myself a fast time

886
00:44:28,200 --> 00:44:31,240
Speaker 2: to do that. Anyway, at the start of this episode,

887
00:44:31,320 --> 00:44:34,120
Speaker 2: you gave yourself a financial grade of B, and I

888
00:44:34,239 --> 00:44:36,920
Speaker 2: really I told you at the time like unacceptable response

889
00:44:36,960 --> 00:44:39,840
Speaker 2: would only be accepting a's but learning a bit about

890
00:44:39,840 --> 00:44:42,719
Speaker 2: you and you know what your thoughts and feelings and

891
00:44:42,920 --> 00:44:45,319
Speaker 2: I guess values are when it comes to money, Like

892
00:44:45,400 --> 00:44:47,719
Speaker 2: I feel like that does in a way check out,

893
00:44:48,239 --> 00:44:50,560
Speaker 2: but it's not a comparison to other people who might

894
00:44:50,600 --> 00:44:53,000
Speaker 2: say that they're a B. And I think that's important

895
00:44:53,000 --> 00:44:55,800
Speaker 2: to recognize as well. But I'm not going to ask

896
00:44:55,840 --> 00:44:57,480
Speaker 2: you the standard. Do you think you're still a B?

897
00:44:57,560 --> 00:44:59,480
Speaker 2: Because I feel like you have thought about this a lot.

898
00:44:59,560 --> 00:45:02,080
Speaker 2: But question I have is what would it take to

899
00:45:02,120 --> 00:45:03,600
Speaker 2: get to an A plus for you?

900
00:45:05,320 --> 00:45:07,959
Speaker 4: I mean, my big money goal, as I said, would

901
00:45:07,960 --> 00:45:10,279
Speaker 4: be to get a property, and I think that if

902
00:45:10,320 --> 00:45:14,040
Speaker 4: I could do that and have set it up in

903
00:45:14,080 --> 00:45:18,080
Speaker 4: a way that it's an investment that's generating me passive income,

904
00:45:19,000 --> 00:45:21,760
Speaker 4: that to me would be a situation where I could

905
00:45:21,800 --> 00:45:25,440
Speaker 4: be hopefully in A plus going into a career like

906
00:45:25,520 --> 00:45:29,160
Speaker 4: nursing knowing that I'm probably going to be earning less

907
00:45:29,200 --> 00:45:32,239
Speaker 4: than I do now as a university student, which just

908
00:45:32,280 --> 00:45:35,480
Speaker 4: crazy to think about the idea of having a passive

909
00:45:35,520 --> 00:45:38,680
Speaker 4: income on the side that's supporting me. Yeah, that would

910
00:45:38,719 --> 00:45:41,560
Speaker 4: probably be what it takes to get me to an

911
00:45:41,600 --> 00:45:45,080
Speaker 4: A plus. But yeah, I definitely do feel like, particularly

912
00:45:45,120 --> 00:45:47,239
Speaker 4: in relation to property, I've a lot more to learn.

913
00:45:47,560 --> 00:45:51,279
Speaker 4: So I think going through the process of buying a

914
00:45:51,320 --> 00:45:54,160
Speaker 4: property and setting it up so that it can be

915
00:45:54,200 --> 00:45:58,279
Speaker 4: a passive income would probably mean that I have the

916
00:45:58,400 --> 00:46:02,320
Speaker 4: knowledge and then that income. That wouldn't mean I'm hopefully

917
00:46:02,360 --> 00:46:05,040
Speaker 4: close to your name Love, Love.

918
00:46:04,920 --> 00:46:08,279
Speaker 2: Well Money Diarist. I have loved having this conversation with you.

919
00:46:08,400 --> 00:46:10,960
Speaker 2: I'm so grateful that you have I guess shared this

920
00:46:11,080 --> 00:46:14,160
Speaker 2: journey with us and shared your stock tips and tricks

921
00:46:14,200 --> 00:46:16,680
Speaker 2: and how you've been investing and what your savings looks

922
00:46:16,760 --> 00:46:19,000
Speaker 2: like and broken it all down, but also shared with

923
00:46:19,080 --> 00:46:21,640
Speaker 2: us the highs and the lows. Thank you so much

924
00:46:21,680 --> 00:46:24,280
Speaker 2: for joining us. It has been an absolute pleasure.

925
00:46:24,440 --> 00:46:26,319
Speaker 4: Thank you so much for having me. It's a bit

926
00:46:26,320 --> 00:46:27,520
Speaker 4: of a dream come true.

927
00:46:29,040 --> 00:46:38,239
Speaker 2: Love. The advice shared on She's on the Money is

928
00:46:38,280 --> 00:46:41,880
Speaker 2: general in nature and does not consider your individual circumstances.

929
00:46:42,239 --> 00:46:45,680
Speaker 2: She's on the Money exists purely for educational purposes and

930
00:46:45,719 --> 00:46:48,120
Speaker 2: should not be relied upon to make an investment or

931
00:46:48,200 --> 00:46:51,760
Speaker 2: financial decision. If you do choose to buy a financial product,

932
00:46:51,880 --> 00:46:55,880
Speaker 2: read the PDS TMD and obtain appropriate financial advice tailored

933
00:46:55,880 --> 00:46:59,360
Speaker 2: towards your needs. Victoria Divine and She's on the Money

934
00:46:59,360 --> 00:47:02,880
Speaker 2: are authorized representatives of Money super p T y L

935
00:47:02,920 --> 00:47:05,520
Speaker 2: t D A b N three two one six four

936
00:47:05,640 --> 00:47:08,600
Speaker 2: nine two seven seven zero eight a f s L

937
00:47:08,760 --> 00:47:12,600
Speaker 2: four five one two eight nine