Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
Speaker 1: the Order Kerney Whoalbury and a waddery woman. And before
Speaker 1: we get started on She's on the Money podcast, I
Speaker 1: would like to acknowledge the traditional custodians of the land
Speaker 1: of which this podcast is recorded on a wondery country,
Speaker 1: acknowledging the elders, the ancestors and the next generation coming
Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
Speaker 1: and the storytelling of you to make a difference for
Speaker 1: today and lasting impact for tomorrow.
Speaker 2: Let's get into it.
Speaker 3: She's on the Money, She's on the Money. Hello, and
Speaker 3: welcome to She's on the Money, the podcast for millennials
Speaker 3: who want financial freedom. Welcome back to another one of
Speaker 3: our money diaries where we get to talk to one
Speaker 3: of our incredible Shees on the Money community members all
Speaker 3: about their journey. Let's jump straight into it. This week
Speaker 3: I got a message and it went a.
Speaker 2: Little bit like this.
Speaker 3: Hi Victoria, I'm a longtime listener and a long time
Speaker 3: delayer in writing in I'm a nursing student currently on
Speaker 3: a five month unpaid placement in rural slash remote Australia.
Speaker 2: I just turned twenty.
Speaker 3: And I've been working my ass off since I graduated
Speaker 3: in twenty twenty. I'm really proud to say that between
Speaker 3: full time UNI placements, travel and a pretty busy life,
Speaker 3: I've managed to hit one hundred thousand dollars in savings.
Speaker 3: There's like four exclamation points there, guys. I hit the
Speaker 3: big one zero zero in November slash December last year
Speaker 3: when I was nineteen, which was really exciting because my
Speaker 3: aim was to hit it in three years and I
Speaker 3: did it in one year and approximately ten months. Yeah,
Speaker 3: are you kidding money, diarists?
Speaker 2: That is wild?
Speaker 4: Thank you? Well, no, I can't really believe it either,
Speaker 4: to be honest.
Speaker 3: One hundred grand that is unrelatable content in this economy.
Speaker 4: I know, well it doesn't yeah feel real, but I
Speaker 4: actually did just crunch the numbers right before doing this interview,
Speaker 4: and it's increased a little bit.
Speaker 2: Since what is it aut You've got to share with us.
Speaker 4: One point thirty five right now, so up.
Speaker 3: Up and going, oh my god, I feel like this
Speaker 3: is almost unbelievable. I was talking to some people in
Speaker 3: the community the other day and about one of our
Speaker 3: community members saving ten thousand dollars and they're like, that's impossible,
Speaker 3: Like ten grand is wild in that period of time,
Speaker 3: But you're saying that since November slash December last year,
Speaker 3: you saved another thirty five thousand dollars. Like I'm not
Speaker 3: even going to ask you the structured questions yet. I
Speaker 3: need to know who, when, where, why, what when?
Speaker 2: How?
Speaker 3: Like we need to know everything because this is it's
Speaker 3: just wild to think that you're doing an unpaid placement,
Speaker 3: which is a massive financial burden. And it's something that
Speaker 3: I'm going to talk about soon on the pod because
Speaker 3: I just think the unpaid placements, they don't have a
Speaker 3: place in twenty twenty three. Like it is to me
Speaker 3: absolutely wild to think that you would literally do thousands
Speaker 3: of hours of work for free to work in healthcare,
Speaker 3: Like that's such a special space. We should be paying
Speaker 3: you to want to work in healthcare. Like anyway, I
Speaker 3: won't go on and on about that because I got
Speaker 3: a whole pod coming up on it. But Money Diarist,
Speaker 3: how the heck do you say one hundred and fifty
Speaker 3: five thousand dollars as a child?
Speaker 4: Well, good question. I mean, honestly, it's just being kind
Speaker 4: of my grind period, I call it. Ever since I
Speaker 4: left school, I feel like I've had just like some
Speaker 4: big financial goals that I've worked towards, and I felt
Speaker 4: like as time went on and I could see how
Speaker 4: much I was saving and those goals kind of became closer,
Speaker 4: I just became more and more motivated and driven. I
Speaker 4: actually really enjoy my work. I think that's a really
Speaker 4: important thing to say, because I couldn't do it if
Speaker 4: I didn't. I do put in a lot of hours.
Speaker 4: It is really exhausting. Sometimes it's hard to manage a
Speaker 4: lot of the time. It's hard to manage with UNI,
Speaker 4: with social life, with my love for travel, with all
Speaker 4: that sort of thing. It can be really hard to manage.
Speaker 4: And I think I couldn't do it if I didn't
Speaker 4: love what I do. But yeah, and I should also
Speaker 4: mention like I have a very supportive family and friends,
Speaker 4: and up until recently when I moved out to rural
Speaker 4: slash remote Australia, I was living at home, which did
Speaker 4: make things a lot easier.
Speaker 2: Massive privilege, Massive privilege.
Speaker 4: I'm very aware of that. I am lucky, not only
Speaker 4: like obviously the cost of living. My parents weren't paying
Speaker 4: for my groceries. I'm not paying for rent yet at
Speaker 4: their house, and so that was massive privilege. But also
Speaker 4: just now moving out, I've realized how my time that
Speaker 4: I saved not living out of home and doing a
Speaker 4: lot of those things for myself. So I think there
Speaker 4: were lots of areas of privilege that came into it
Speaker 4: living at home, and that was definitely something that enabled
Speaker 4: me to work as much as I did. But yeah,
Speaker 4: obviously on top of working a lot, I have developed
Speaker 4: a bit of a structure for myself for how I
Speaker 4: spend my money and how I budget, and it's something
Speaker 4: that I've always been like super interested and super passionate about.
Speaker 4: I'm a bit of an undercover finance nerd.
Speaker 3: Shouldn't be undercover, everyone should be public finance nerves. I'm
Speaker 3: a public finance nerd, and I don't want to be
Speaker 3: the only one.
Speaker 4: Okay, I'll join you, Thank you, thank you. I don't
Speaker 4: really know where my love for finance came from, but
Speaker 4: I yeah, I could talk about taxes, superannuation, budgeting, anything
Speaker 4: all day every day time.
Speaker 2: It's wild. It's almost like I do.
Speaker 4: I'm jealous. Yeah, So I think that's played a big role,
Speaker 4: Like not only my interest in it. But obviously because
Speaker 4: I've been so interested in it, it's meant that I've
Speaker 4: learned a lot from things like she's in the money
Speaker 4: and listening to it twenty four to seven. So I
Speaker 4: think that that's enabled me to put in, you know,
Speaker 4: budgets and systems that have helped me sort of stay
Speaker 4: to a budget. And when I say budget, I mean
Speaker 4: she's on the money type budget where, well, where my
Speaker 4: money goes. It's not restrictive, it's just I know my
Speaker 4: cash flow and I'm very intentional with that. So it
Speaker 4: just means that I know where everything's going. And I
Speaker 4: think that's been huge in saving so much because I
Speaker 4: can see where my.
Speaker 2: Money's going totally.
Speaker 3: I feel like all of that makes sense, and I'm
Speaker 3: really glad that you kind of said yourself, Look, there's
Speaker 3: a lot of privilege here because I think a lot
Speaker 3: of people I think sometimes we just need to call
Speaker 3: like a spade a spade, right, like it is what
Speaker 3: it is, and I guess acknowledging it and moving on
Speaker 3: because there's still a lot to learn from this story,
Speaker 3: regardless of whether it's a privileged one or not. Because
Speaker 3: I know so many people in our community who have
Speaker 3: the exact same circumstances as you better in personal debt.
Speaker 3: So it's not actually about just the privilege. Like the
Speaker 3: privilege is a I guess, a diving board like it.
Speaker 3: It's something that can take you to the next step,
Speaker 3: or it could mean that you fall off it completely.
Speaker 2: So let's get into it.
Speaker 3: I want to know more about you because I know
Speaker 3: that loving what you do is just not enough to
Speaker 3: be able to save one hundred and thirty five K.
Speaker 2: So tell me a little bit about yourself.
Speaker 3: The first question I always ask on this pod is
Speaker 3: what gray would you give your money habits? If I
Speaker 3: asked you to give yourself a grade from A through
Speaker 3: to F, I will only be accepting A.
Speaker 4: Well, I will probably say B.
Speaker 3: Well, as you had just heard that's an unacceptable response.
Speaker 4: Yeah, I do think that my attitude towards saving and
Speaker 4: spending like is quite good for me. It works for me.
Speaker 4: And as much as I've worked really hard on my
Speaker 4: savings and I do have big financial goals, I also
Speaker 4: know that money is a blessing and I know that
Speaker 4: I don't want my saving goals to create a restrictive
Speaker 4: relationship with money. So I think that yeah, I've at
Speaker 4: the end of the day, like I work so hard
Speaker 4: so that I can say yes to things and so
Speaker 4: that I can enjoy my life. And I think I've
Speaker 4: kind of got to quite a good point with that
Speaker 4: balance of knowing why I work so hard, having good
Speaker 4: savings goals, but knowing that at the end of the
Speaker 4: day and working so hard so I can enjoy my life.
Speaker 4: But yeah, as much as I'm also a finance nerd,
Speaker 4: I am by no means perfect, and I feel like
Speaker 4: I've a lot more to learn, Like I've just scraped
Speaker 4: the surface. So that's why there's definitely room for improvement.
Speaker 2: All Right, I will allow that response.
Speaker 3: It seems relatively well thought out and quite intelligent, so
Speaker 3: I'll see myself out With the next question. I want
Speaker 3: to know a bit more about your money story. What
Speaker 3: was growing up? Like, how did that work out? We
Speaker 3: already know obviously living at home was a big part
Speaker 3: of this, but like, let's go back a little bit further.
Speaker 2: What's your money story?
Speaker 4: Like my friend, Well, yeah, as you said, I looked
Speaker 4: at home until very recently, so up until nineteen oh
Speaker 4: I moved out the day after my nineteenth birthday, So
Speaker 4: I think that I've always had a very strong value
Speaker 4: for money, literally from probably like a primary school age,
Speaker 4: just being aware of how much things cost and asware
Speaker 4: that as much as my parents did send me and
Speaker 4: my siblings to private schools from me five, I know
Speaker 4: that that was something that they really valued and their
Speaker 4: sacrificed a lot to do that. And as much as
Speaker 4: my parents weren't necessarily super explicit about money, they didn't
Speaker 4: talk about it heaps. As I gotten older, I think
Speaker 4: I've always like I've recognized how grateful i am that
Speaker 4: although we were in a very villged environment, I think
Speaker 4: they kept us very grounded and we were always aware
Speaker 4: that they were sacrificing a lot for us to be
Speaker 4: in the position that we were in. And I've always
Speaker 4: been very grateful for that. But yeah, very cognizant of
Speaker 4: the sacrifices that like that involved. But yeah, I got
Speaker 4: my first job when I think I was about fifteen,
Speaker 4: and I was just doing some footy umpiring and working
Speaker 4: at the local cinema. So that's probably when I started
Speaker 4: to learn a lot about finance because I had my
Speaker 4: own money. I was earning my own money, and it
Speaker 4: was quite exciting to see, Yeah, my own money and
Speaker 4: to even like crunch the numbers on, like, oh, what
Speaker 4: happens if I put aside this much every week? What
Speaker 4: happens if I put it into a compound interest account?
Speaker 4: Like I was a bit weird. I wanted to get
Speaker 4: into all that.
Speaker 3: That's not weird, that's very attractive. But where did you
Speaker 3: learn about this? Because I grew up with a dad
Speaker 3: who was an accountant, Right, I felt so privileged, But
Speaker 3: also I just used to argue with him about learning
Speaker 3: my times tables and anything he taught me about the
Speaker 3: money that I had coming in the door from my
Speaker 3: very first job. I didn't listen to, Like I earned
Speaker 3: money so I could go to the movies with my
Speaker 3: friends and then go to McDonald's after and spend my
Speaker 3: money at Zaprey because I needed to carry around that
Speaker 3: hot pink tote bag and have.
Speaker 2: A mini skirt. That was god awful.
Speaker 3: Right, So for me, I feel like I was in
Speaker 3: a very privileged position but didn't absorb any of that information.
Speaker 3: Like how were you in this position where you had
Speaker 3: this knowledge?
Speaker 4: I'd fifteen, Well, I mean I think when I say
Speaker 4: at fifteen, like obviously that's I think when it started
Speaker 4: and when I started just looking at money more and
Speaker 4: be more interested and probably doing a lot of my
Speaker 4: own research came from it. I mean, my dad is
Speaker 4: like someone who I've always talked a lot of finance
Speaker 4: stuff with. He's not in finance, but I think he's
Speaker 4: probably quite similar to me in the way that it's
Speaker 4: just been something he's always been super interested in, and
Speaker 4: he's interested in shares and investment and we sort of
Speaker 4: always talk about that. So I think he's given me
Speaker 4: a lot of knowledge. But one thing I will say
Speaker 4: actually is my previous relationship, which started when I was
Speaker 4: in high school. We were both quite similar and we
Speaker 4: had very similars of money goals. We were both motivated
Speaker 4: in that way, and we pushed each other a lot
Speaker 4: in that way, and I think we learn a lot
Speaker 4: from each other. And I think that being obviously when
Speaker 4: I was quite young, we kind of grew up together
Speaker 4: and that probably influenced a lot of my money attitudes,
Speaker 4: and I just I think we learned a lot from
Speaker 4: each other. And I definitely learned heaps from him, So yeah,
Speaker 4: that was probably a big factor. Even his family, I
Speaker 4: definitely learned a lot from them. So yeah, a few
Speaker 4: different avenues as I've gotten older, but I would say
Speaker 4: initially it was a bit more of like a self
Speaker 4: research something I was interested in, so it was almost
Speaker 4: a hobby.
Speaker 3: Just a smart cookie who has her head screwed on.
Speaker 3: I wish I was that smart at fifteen. You're running
Speaker 3: laps around me. I was forty k in debt by
Speaker 3: the age of twenty two, and you're here with one
Speaker 3: hundred and thirty five thousand dollars in savings at twenty.
Speaker 2: I stand at no chance. But that is okay. I
Speaker 2: want to know now.
Speaker 3: We need to know now what do you do for work?
Speaker 3: How much money do you earn?
Speaker 4: So at the moment, I'm obviously in a bit of
Speaker 4: a different situation to what I was back home because
Speaker 4: I'm out in rural, remote Australia on placement un played placement.
Speaker 4: I am actually working out here and on the side
Speaker 4: of placement and UNI, so I'm doing disability support work,
Speaker 4: which is primarily what I did back home anyway. So
Speaker 4: I earned roughly. It does vary, and I've always had
Speaker 4: varied incomes, so it's hard to crunch the numbers. But
Speaker 4: I earned roughly like one eight hundred to two thy
Speaker 4: one hundred dollars a.
Speaker 2: Week per week as a student nurse. Yeah, holy moly,
Speaker 2: no wonder you're good at saving.
Speaker 4: Yeah, I mean it does vary a bit, and it's
Speaker 4: means I am doing a lot of hours. But as
Speaker 4: I said, I enjoy what I do. But in Sydney,
Speaker 4: back home, I was earning well. Last year, I earned
Speaker 4: about eighty thousand dollars and that was probably more than
Speaker 4: the year before. I haven't figured. I can't remember what
Speaker 4: it was the year before, but I'm casual work. I
Speaker 4: was doing everything with casual work, So I was doing nannying,
Speaker 4: Disphilly support work, some like sport coaching stuff and a
Speaker 4: few little things on the sides and babysity and whatnot.
Speaker 4: So yeah, it did vary a lot, and there were
Speaker 4: weeks where I was earning nothing because I was away
Speaker 4: traveling or I was on I did a real placement
Speaker 4: last year where I was earning nothing, and then yeah,
Speaker 4: it would range two. I think my highest ending week
Speaker 4: last year was two thousand, eight hundred, but yeah, most
Speaker 4: week's most working weeks were probably about one thousand eight hundred.
Speaker 3: Absolutely all right, Well, I want to know a bit
Speaker 3: more because that to me seems wild and I think
Speaker 3: that a lot of people are going to think, oh,
Speaker 3: my gosh, she is a student nurse making between eighteen
Speaker 3: hundred and twenty one hundred a week. And if I
Speaker 3: extrapolate that out, right, let's pretend for a hot second
Speaker 3: that you make on average eighteen hundred dollars a week.
Speaker 3: Like we've gone with the lower number, that's still one
Speaker 3: hundred thousand dollar income as a student nurse.
Speaker 2: So these things.
Speaker 3: Start to add up, right, Like, it starts to make
Speaker 3: sense that you have good savings and if you're making
Speaker 3: this while living at home, like the story checks out,
Speaker 3: that you maybe had a very high savings capacity because
Speaker 3: your take home salary would have been very very sexy. Right,
Speaker 3: But how as a student nurse did you get into
Speaker 3: disability support work? Because I feel like that's an area
Speaker 3: that I've had a few questions recently about, Well, how
Speaker 3: do you get into it?
Speaker 2: What is it?
Speaker 3: What kind of qualifications do I need? Did you need
Speaker 3: to be a fully qualified.
Speaker 2: Nurse to do this? Or took me through how you
Speaker 2: got into that?
Speaker 4: Sure? Well, first of all, no, you don't need to
Speaker 4: be a qualified nurse. You don't actually need to even
Speaker 4: be studying nursing. It obviously depends what area of disability
Speaker 4: support work that you're looking at going into. So some
Speaker 4: do require some certifications. Some do require you to even
Speaker 4: be an RN, which I obviously can't even do yet,
Speaker 4: and the pay and things like that, it does very accordingly.
Speaker 4: So yeah, it depends on the level of needs of
Speaker 4: the client, but in general you don't need any qualifications.
Speaker 4: I started straight after school. I think i'd finished. They
Speaker 4: just see like three weeks earlier. And I started with
Speaker 4: a client who I was quite lucky in the way
Speaker 4: that it was actually kind of a family connection. It
Speaker 4: was through a friend that I knew that I met
Speaker 4: my first client, and I loved that so much. I
Speaker 4: hadn't intended on going into disability support work, but I
Speaker 4: love that so much that that sort of is what
Speaker 4: started everything. And then I worked for a couple of
Speaker 4: different companies and then also started to get my own
Speaker 4: independent clients, and now I just do independent clients so
Speaker 4: through my own ABN, and you know, with my own
Speaker 4: insurance and tax and so stuff.
Speaker 2: That's so wild.
Speaker 3: You're a literal child and you've set up an ABN
Speaker 3: to do disability support work like you are so intelligent.
Speaker 2: It is wild. All I want to know.
Speaker 3: You've obviously got one hundred and thirty five thousand dollars saved,
Speaker 3: but what is your big money goal, Like, what are
Speaker 3: we working towards here?
Speaker 4: Well, ideally i'd love to buy property. That's sort of
Speaker 4: been a goal for the past a little bit, and
Speaker 4: I'd love to do that by the end of the year.
Speaker 4: It is a little bit more complex because I am
Speaker 4: a casual worker and I do have a varied income,
Speaker 4: so things like getting alone is a lot harder.
Speaker 3: Not impossible though, with the Riot mortgage broke out, like
Speaker 3: we deal with that a lot variable incomes and casual
Speaker 3: work and having your own ABN Like, as long as
Speaker 3: you've got clean financials, it should not be too hard
Speaker 3: to organize. But not all brokers have that experience, so
Speaker 3: make sure you find a good one.
Speaker 4: Ay, that's why I applied to Zella Money.
Speaker 2: Actually, did you actually are ready?
Speaker 4: You're on this like two weeks ago. I haven't got
Speaker 4: round to.
Speaker 2: Booking an appointment yet with Kate.
Speaker 4: Yeah, but I've started. But yeah, so in an ideal world,
Speaker 4: I will do that by the end of the year,
Speaker 4: sooner rather than later. But if it works out that
Speaker 4: I need to have a full time contract before I
Speaker 4: can secure a loan. Then it will have to be
Speaker 4: started next year. But yeah, so that's kind of my
Speaker 4: money golf for the moment. But I'm also twenty and
Speaker 4: I love travel and that's a big priority for me
Speaker 4: at the moment. So my focus is to do the
Speaker 4: whole house property thing when I feel like I can
Speaker 4: balance the priority to like travel and live life as well.
Speaker 4: I would like to be quite confident that I can
Speaker 4: serve as a mortgage whilst living the lifestyle that I
Speaker 4: want to live, because it's a big thing to take
Speaker 4: on a mortgage at twenty years old, and I don't
Speaker 4: wanted to ruin my life.
Speaker 3: No, absolutely not. I'm so proud of you. I have
Speaker 3: so many more questions. Let's go to a really quick break,
Speaker 3: and then after the break, I am going to dive
Speaker 3: straight back in to absolutely grilling you.
Speaker 2: Guys.
Speaker 3: Don't go anywhere, all right, money diarist, we are back.
Speaker 3: I want to know you mentioned before that your dad
Speaker 3: was into stocks and kind of like being on the
Speaker 3: share market, and that you learned a bit from there.
Speaker 3: Do you have any investments, If so, what are they?
Speaker 4: Yes, so, I my dorky finance side stop.
Speaker 2: Calling it dorky. I'm a cool mom, not a regular mom.
Speaker 4: Finance side. My cool finance side meant that I've always
Speaker 4: been interested in shares. I remember always sitting in class
Speaker 4: at school and doing like research on shares. So I
Speaker 4: bought my first ones when I would have been seventeen.
Speaker 3: When I have a kid one day, I want them
Speaker 3: to be like cut paste of you.
Speaker 4: Stop. That's the biggest commment I go.
Speaker 3: I want my kids at school to be in trouble
Speaker 3: for not doing their work, and when their teacher goes
Speaker 3: Victoria such and such, they're in trouble.
Speaker 2: They don't do any work. All they do is research shares.
Speaker 2: I'll be like that, it's my child.
Speaker 4: Yeah, well that was me. Yeah. My first ones I
Speaker 4: bought when I was seventeen, and that was obviously under
Speaker 4: my dad's name because I wasn't eighteen.
Speaker 2: You're a minor.
Speaker 4: I wasn't mine exactly. But now I have I use
Speaker 4: Superhero and I have about forty six thousand dollars invested there.
Speaker 2: In addition to you one hundred and thirty five.
Speaker 3: No, oh my god, I thought I was going to
Speaker 3: have to fall off my chair.
Speaker 4: No, no, no, no, I count my investments as my.
Speaker 2: Savings yep, stunning.
Speaker 4: And then I have another eleven thousand dollars in spaceship,
Speaker 4: so I do regular investments with them that I've just
Speaker 4: set up to automatically do it without me having to
Speaker 4: think about it. And then I'm probably looking at investing
Speaker 4: another twenty thousand at the moment, just because my money
Speaker 4: may as well work for me instead of sitting in
Speaker 4: a savings account that's earning not much. So yeah, and
Speaker 4: then I plan to do my first home super saviors
Speaker 4: do some contributions to that before and after tax time, right, Yes,
Speaker 4: of course you thought of that.
Speaker 2: I would never give a device or talk about it.
Speaker 4: I'm glad you came up not one d per clear
Speaker 4: on all of it. But I know that you have
Speaker 4: your oh what's it called that it's us with C.
Speaker 2: Word concessional contributions.
Speaker 4: Sessional contributions. Yes, so I know that there's concessional contributions,
Speaker 4: and so I'm hoping to actually be able to make
Speaker 4: a contribution for the last financial year because I didn't
Speaker 4: use up all my concessional contributions.
Speaker 3: I don't know that your accountant should be able to
Speaker 3: tell you that. But also the girls that Exela money
Speaker 3: will be able to tell you what you can and
Speaker 3: can't put in, because turns out they are completely across
Speaker 3: the first time Super Savis game. Oh so that five
Speaker 3: times really really quickly, and you get an award.
Speaker 2: But that's so exciting if.
Speaker 3: You're going to and I want to ask this question
Speaker 3: because I think other people are going to want to
Speaker 3: know as well. So you've got forty six thousand invested
Speaker 3: in Superhero, You've got eleven grand on Spaceship, but you're
Speaker 3: considering investing another twenty grand. Where how are you doing
Speaker 3: that research? What are we looking into at the moment,
Speaker 3: and where are you thinking about putting that?
Speaker 4: Well, yeah, I'm not entirely sure yet, but I generally
Speaker 4: sort of think about some companies that might be in
Speaker 4: the right industry at the right time, So I generally
Speaker 4: go for more like blue chip top two hundred sort
Speaker 4: of thing. I'm a bit of a safe investor at
Speaker 4: the moment, so yeah, I'll generally research particular companies based
Speaker 4: on the climate and what industries I see is good
Speaker 4: to invest in at the time. But yeah, I will
Speaker 4: also talk to my dad about it, and I have
Speaker 4: a friend who's actually really into shares as well. So
Speaker 4: we usually discussed that, but yeah, I don't have I'm
Speaker 4: no professional at it. I tend to just look around now,
Speaker 4: of course not.
Speaker 3: It's just so interesting to see what people in our
Speaker 3: community are doing and how they're doing their research, because
Speaker 3: I feel like so many of us get what I
Speaker 3: call analysis paralysis, like we over analyze and then we
Speaker 3: look at it, and like, I love knowing what our
Speaker 3: community is choosing because it's just helpful on our journeys. Right,
Speaker 3: So I want to be even more pervy. I'm really sorry.
Speaker 3: So you've got eleven grand in Spaceship, which is a
Speaker 3: micro investing platform, So when you invest on Spaceship, you
Speaker 3: basically go into their portfolio and you would have picked
Speaker 3: one of their I think they've got five or six
Speaker 3: or even maybe seven now options that you can pick
Speaker 3: from based on risk profile. So you don't actually get
Speaker 3: an option of what you're investing in. You just get
Speaker 3: to choose your risk profile. But then you mentioned that
Speaker 3: you have about forty six thousand dollars on Superhero, which
Speaker 3: is a platform that the Sheese on the Money community
Speaker 3: also loves and has spoken about a number of times.
Speaker 3: What have you picked on there and why?
Speaker 4: So A lot of the companies I have for under
Speaker 4: Superhero relatively big, like top ASEX companies, And I think
Speaker 4: I'm diversified across about eight different or maybe ten different companies.
Speaker 3: So individual stocks, not eating yes, like you've gone, Oh,
Speaker 3: she's bougie, she's fancy.
Speaker 4: Yeah, I know. I think I have one ETF, but
Speaker 4: primarily individual stocks. And I sort of like my dad
Speaker 4: always taught me to diversify with your industries that you're
Speaker 4: investing in. So I did a lot of investment into
Speaker 4: travel during COVID.
Speaker 3: If I could wine back time, I would have done
Speaker 3: a lot more investing in travel. I just feel like
Speaker 3: I went into crisis mode during that time managing my
Speaker 3: client's portfolios.
Speaker 2: Didn't even look at mine.
Speaker 3: It was just in this crisis mode, and I thought
Speaker 3: all my clients are gonna lose.
Speaker 2: Their absolute minds. Do you know what? They didn't.
Speaker 3: They were all like, oh, like we're in economic downturn,
Speaker 3: Like why are you stressed?
Speaker 2: But you would be well.
Speaker 4: I mean, I wish that I had invested more in
Speaker 4: travel back then, as we all do, and I think
Speaker 4: I was in quite a good position that Obviously I
Speaker 4: was young and just starting my investment journey. And all
Speaker 4: that when it was the middle of COVID. So I wasn't,
Speaker 4: you know, I wasn't a retiree who was stressing about
Speaker 4: getting into safe investments. I was like, look, I'm in
Speaker 4: the position now to take the risk. If you know,
Speaker 4: this pandemic continues and they tank even more, that's actually okay.
Speaker 4: In it for the long haul. So yeah, I have
Speaker 4: a lot of travel at the moment. And then I
Speaker 4: diversified across a few different industries.
Speaker 3: When we say you've picked like, what eight to ten
Speaker 3: different companies that make sense to you, are we picking
Speaker 3: niche companies that we've never heard of, or are these
Speaker 3: like blue chip stocks that kind of everyone in Australia
Speaker 3: is going to know and love. And when I say
Speaker 3: blue chip stocks, they're usually the tried and true, big
Speaker 3: companies like you would think of the big four banks
Speaker 3: as being blue chip, BHP would be blue chap Woodstock
Speaker 3: would be blue chip. And these the type of companies
Speaker 3: or are you kind of taking a punt on these
Speaker 3: eight to ten or are you a little bit more conservative?
Speaker 4: I'm probably more like conservative.
Speaker 2: Same girlfriends, same don't worry.
Speaker 4: Yeah, they're generally they're bigger blue chip ones. And that's
Speaker 4: honestly solely for the reason that I don't know where
Speaker 4: to start looking for smaller ones. I could relate to
Speaker 4: the analysis paralysis, like where do you start? How do
Speaker 4: people find companies that are smaller, riskier ones or you know,
Speaker 4: startups or whatever. I don't know how to I'm not
Speaker 4: I love shares, I'm so interested in it, but I
Speaker 4: don't have the time to commit to researching that, and
Speaker 4: I wouldn't even know where to start if I did
Speaker 4: have the time. So yeah, they generally are blue chip
Speaker 4: ones that I'll literally just go through the list of
Speaker 4: like ASEX top one hundred or two hundred, and I
Speaker 4: will Google search that company name, and I will look
Speaker 4: at their share price over the past however long they'll
Speaker 4: give me, and I tend to invest based on like
Speaker 4: my strategy is generally getting when they're low. If it's
Speaker 4: a blue chip top two hundred, I personally feel like
Speaker 4: it's not a massive risk to get them when they're low,
Speaker 4: and they may be like they're tanking comparative to their
Speaker 4: usual price they've tanked, most people will go eek, don't
Speaker 4: want to invest in that. What's going on there? And
Speaker 4: unless there's a specific reason as to why they've tanked
Speaker 4: and it's something that could continue. That's generally when I'll
Speaker 4: choose to invest, because I see it as an opportunity.
Speaker 4: If they're a blue chip, trustworthy company and it's unlikely
Speaker 4: that they're going to go under, that to me is
Speaker 4: getting shares.
Speaker 2: On sale, very very exciting.
Speaker 3: I love asking questions like this, just confirming you said,
Speaker 3: do you want to be a nurse not a financial advisor?
Speaker 3: You're not interested in working for Zella at any point
Speaker 3: in time, Just confirming.
Speaker 4: I mean, if that's a opportunity, I'll give you my resume.
Speaker 2: But turn out a ten. We'll talk after this.
Speaker 4: Recording my life, I've always said in another life, I
Speaker 4: would study finance and have a Korean finance and I
Speaker 4: think that I love nursing and I love health and
Speaker 4: that's what I'm really interested in. But I think my
Speaker 4: second career could be in finance, and I would love that.
Speaker 4: And there has been times when I've had doubt or
Speaker 4: whatever about what I'm doing, as we all do, and
Speaker 4: I have gone on to university websites and looked at
Speaker 4: finance degrees. So it is something that I would love
Speaker 4: to do in the future. But at the moment, it's
Speaker 4: just a bit of a passion and a hobby.
Speaker 2: No, I love it, keep it up.
Speaker 3: I also love this concept that you're literally not even
Speaker 3: an RN yet you're already talking about your second career.
Speaker 3: It's so gen z to be like, Okay, my first
Speaker 3: career is going to be in nursing, and then my
Speaker 3: second career, I'm going to go do this Like we're
Speaker 3: not even just talking about job hopping here. We're talking
Speaker 3: about like complete pivots career.
Speaker 2: I'm obsessed with it. I love it. I could talk
Speaker 2: to you all day.
Speaker 3: I need to get on with the questions though, and
Speaker 3: the next question I already know the answer to, but
Speaker 3: we're going to ask because formula is formula.
Speaker 2: Do you have any debts? If so, what are they?
Speaker 4: No, I don't have any debts.
Speaker 2: Nobody saw that coming. That is so surprising.
Speaker 4: I hope I won't have any debts apart from good
Speaker 4: ones in the future. Obviously a plan to get a mortgage.
Speaker 4: I don't have any hex at the moment, and I
Speaker 4: won't with this degree. But yeah, I could go back
Speaker 4: to union study finance, so I might have some ex dentdings.
Speaker 3: We don't have to do a thousand hours of like
Speaker 3: volunteer work, So that's like a bonus if you want
Speaker 3: to kind of like segue before I get to the
Speaker 3: last two questions. Obviously, having so many savings is making
Speaker 3: the journey of becoming an as so much easier, I
Speaker 3: would assume than it is for a lot of You know,
Speaker 3: a lot of my friends went through this process when
Speaker 3: we were at UNI, and I remember talking to them
Speaker 3: about having to do all of these like internships and
Speaker 3: all of this placement that you weren't paid for.
Speaker 2: How are you funding that? Is it through your savings?
Speaker 3: And how are your friends, in the same course funding that,
Speaker 3: Because I feel like it's such a backwards theory that
Speaker 3: you're the one that has to pay in your time
Speaker 3: and energy and you know, loss of income in every
Speaker 3: other aspect of your life to actually become a nurse.
Speaker 3: To me, that's such a backward system. How are you
Speaker 3: and your friends managing that?
Speaker 4: Well? Yeah, frankly, to get serious, I just I hate
Speaker 4: the idea of unpaid placement. I agree that, Yeah, I
Speaker 4: think it's just fundamentally wrong. There's a huge gap in
Speaker 4: our need for nurses and healthcare workers in general, so
Speaker 4: it is baffling to me that in order to become
Speaker 4: a nurse you need to do unpaid placement, and I
Speaker 4: have seen so many people drop out for that reason.
Speaker 4: I've seen people I've got friends now who've dropped down
Speaker 4: to part time because they cannot. At the start of
Speaker 4: the year, they said, I cannot financially do full time
Speaker 4: this year because I can't support myself through placement. I
Speaker 4: personally like at the moment in my degree, we've only
Speaker 4: ever had two week placements at a time, and I've
Speaker 4: worked throughout that, which has been really challenging and I
Speaker 4: probably wouldn't recommend doing. It's definitely led to burnout. At
Speaker 4: the end of those two weeks, I'm exhausted and was
Speaker 4: definitely sleep deprived. So yeah, it definitely hasn't been easy.
Speaker 4: Placement is really tricky, and I know a lot of
Speaker 4: people find it to be huge burden financially. But yeah,
Speaker 4: I've worked throughout, obviously at decreased hours to what I'd
Speaker 4: usually do, and it is that extra challenge of, Yeah,
Speaker 4: it's frustrating going on placement and knowing that, oh, I'm
Speaker 4: just going to have to give up work to be,
Speaker 4: you know, at a hospital full time doing unpaid hours.
Speaker 4: So yeah, it is really frustrating. It's hard to manage.
Speaker 4: It doesbviously mean that my income takes dip, but generally
Speaker 4: I work throughout and that's just sort of how I've
Speaker 4: managed to not go into my savings when I'm on placement.
Speaker 3: That's awesome to hear. I want to know a bit
Speaker 3: more about the placement. I guess the nature of placement
Speaker 3: you could call it, because when I was younger and
Speaker 3: I was in my first degree at university, I didn't
Speaker 3: unpaid internship, and at the time I thought it was
Speaker 3: like the best opportunity in the entai world. And if
Speaker 3: you've listened to lots of podcasts, you've probably heard me
Speaker 3: talk about this before, where at the time I thought
Speaker 3: it was like the best opportunity.
Speaker 2: But in hindsight, I'm like, ah.
Speaker 3: That's unpaid labor that you probably should have been paying
Speaker 3: me for and the product that I created while working
Speaker 3: for you you now sell and make a whole heap
Speaker 3: of money off. Like we're not going to name and shame,
Speaker 3: but like I remember being so excited about the opportunity
Speaker 3: because they'd told me the dream, right, They're like, you're
Speaker 3: going to get so much out of this, you're going
Speaker 3: to do this, this, this, and this. But when you're
Speaker 3: doing an unpaid placement here in Australia, technically you're not
Speaker 3: meant to contribute to the work as an unpaid intern.
Speaker 3: You're meant to just like watch on and watch people
Speaker 3: do things and learn, you know, just through seeing them.
Speaker 3: If that's the nature of the placement. But I know
Speaker 3: that's not true for nurses, right, Like you're not just
Speaker 3: going into a hospital for one thousand hours and standing
Speaker 3: around and watching the doctors and nurses work.
Speaker 4: Are you?
Speaker 2: What are you doing on that unpaid placement?
Speaker 4: Yeah? So in an ideal world, yes, that's placements meant
Speaker 4: to be learning. You're meant to go in there. And
Speaker 4: I believe we actually technically pay for placement through our
Speaker 4: university piece.
Speaker 2: Oh that's good. Yeah, that makes absolute sense. That checks
Speaker 2: out right, pay for the privilege.
Speaker 4: Yeah, exactly so in theory, I believe that's why you
Speaker 4: pay for replacement, because you're meant to go in and
Speaker 4: learn from them, and they're meant to like have the
Speaker 4: staffing to facilitate you just being there to learn. I
Speaker 4: don't think I've ever been in a clinical environment where
Speaker 4: that is the case. It varies depending on where you're
Speaker 4: placed and depending on the staffing. But in this current climate,
Speaker 4: like in our health system, and not to out it
Speaker 4: too much, but it's a bit of a disaster with nursing,
Speaker 4: and I've seen it firsthand. I didn't believe it until
Speaker 4: I was on placement and I was like, this is
Speaker 4: a disaster. Like the ratios. Everything is just a disaster.
Speaker 4: And I had to be an extra pair of hands.
Speaker 2: Okay, absolutely, And.
Speaker 4: If you're there, standing there, you know with obviously it's
Speaker 4: your degree progresses, you have more and more skills. So
Speaker 4: especially now where I'm almost well known, kind of almost graduated,
Speaker 4: got the rest of the year to go, then I'll
Speaker 4: be graduated. You know, they will see me as an
Speaker 4: extra pair of hands and they will use me. And
Speaker 4: that's an important way to learn. I want to learn.
Speaker 4: I want to be there to do that and I
Speaker 4: want to help out the nurses themselves. But it is
Speaker 4: a little bit for the system that we are seen
Speaker 4: as an extra pair of hands and that we have
Speaker 4: to be an extra pair of hands because it's so understaffed.
Speaker 4: So yeah, and it's to be on placement and doing
Speaker 4: what the nurses are doing and.
Speaker 2: Not being paid for it one hundred percent, you.
Speaker 4: Are sometimes doing the exact same And don't get me wrong,
Speaker 4: they have years more experience and they.
Speaker 2: Know what they're doing, oh of course, but.
Speaker 4: It is frustrating to sometimes be doing the exact same
Speaker 4: thing and you're not being paid. In fact, you're paying
Speaker 4: to be there, and obviously they're getting paid. So yeah,
Speaker 4: it's flawed. I don't know exactly how to fix it,
Speaker 4: but the system is flawed.
Speaker 3: Yeah, I feel like that makes absolute sense. And I mean,
Speaker 3: on the flip side of that, exactly what you're saying, right,
Speaker 3: Like if I was doing an internship or if I
Speaker 3: was doing a placement, especially in healthcare, where so much
Speaker 3: of it is not really about the theory. It's about
Speaker 3: the practice. Like you've got to get the theory right,
Speaker 3: and that's why you go to university, but obviously the
Speaker 3: practical is so important that they make you do these placements. Right,
Speaker 3: I would want to be being hands on. I feel
Speaker 3: like I'm a hands on learner. I want that experience,
Speaker 3: But at the same time, I genuinely believe you should
Speaker 3: be remunerated for that. Do you feel like there's this
Speaker 3: I guess legacy kind of attitude in the hospitals or
Speaker 3: just with other nurses who maybe already have all of
Speaker 3: the experience and are now being paid that well, you're
Speaker 3: an internal you know your on placement, you have to
Speaker 3: pay your dues kind of vibe, because I feel like
Speaker 3: that would exist and is one of the flaws of
Speaker 3: the system where you know, well, you can clean all
Speaker 3: the bed pants, because when I was a on placement,
Speaker 3: that's what I had to do, and you kind of
Speaker 3: cut your teeth right.
Speaker 4: One hundred percent. There definitely is that sort of attitude
Speaker 4: of like you're at the bottom of the food chain,
Speaker 4: like you've got to do the dirty work. I think
Speaker 4: when I particularly when I was first starting out, when
Speaker 4: I was started my degree, on my first placements, I
Speaker 4: was just willing to do anything. I wanted to do anything.
Speaker 4: I wanted to learn as much as I could out
Speaker 4: of the placements. I was happy to do whatever, and
Speaker 4: that didn't bother me. Now, well, I can really see
Speaker 4: the nurses who genuinely want you to learn and the
Speaker 4: nurses who want you to do their dirty work. Yeah. Absolutely,
Speaker 4: and it is very obvious. You really notice as well
Speaker 4: when you're with a nurse who wants you to learn,
Speaker 4: And I've had I've been partnered with incredible nurses and
Speaker 4: teachers who may not even have been in the like
Speaker 4: in nursing that long, and they will just do everything
Speaker 4: they can to teach you. And I've had nurses say
Speaker 4: to me, no, no, no, you don't need to do that.
Speaker 4: You don't have to do all the dirty jobs. I'll
Speaker 4: do it, like, you don't just have to do that,
Speaker 4: And I was like, no, I'm happy to. And I
Speaker 4: think when you're with someone who really wants you to
Speaker 4: learn and who's treating you really well, you don't mind
Speaker 4: doing the dirty work. You're like, it's almost like thanking
Speaker 4: them on.
Speaker 2: One hundred percent because it's a respect thing.
Speaker 3: You're giving them a hand, Like you don't become a
Speaker 3: nurse because you don't want to do those like no
Speaker 3: one wants to do those things.
Speaker 2: But at the end of the.
Speaker 3: Day, it's helping your patient and it's putting everybody in
Speaker 3: a better position.
Speaker 2: So you just want to get it done.
Speaker 3: Don't want to feel like someone's taking advantage of your
Speaker 3: kindness exactly.
Speaker 4: It's all how it happens. I think if someone's taking
Speaker 4: advantage of your kindness, and someone is taking advantage of
Speaker 4: having a student who they can force to do the
Speaker 4: dirty work. Then that's when it's frustrating. When you're with
Speaker 4: an amazing nurse who genuinely wants you to learn and
Speaker 4: is putting their time and effort into you. Then you're like, well,
Speaker 4: I'll do whatever I can to help out you, and like,
Speaker 4: obviously they're for the patience if it's going to help
Speaker 4: them too. Absolutely, of course there's no issues with it.
Speaker 4: So yeah, it is all about the approach.
Speaker 3: I think, Yeah, it's so interesting to have these conversations.
Speaker 3: I'm sorry I have. I guess segued into that, But
Speaker 3: at the moment, while doing a lot of research on this,
Speaker 3: it's just it's grinding my gears so much more than
Speaker 3: it did before. Like before I was like, oh, you know,
Speaker 3: I was in their similar position, But I'm looking at it,
Speaker 3: I'm like, healthcare, what do you mean?
Speaker 2: Like, you, guys, we learned through.
Speaker 3: The pandemic just how essential first responders and people on
Speaker 3: the front line are. Yet we're still taking advantage by
Speaker 3: making them work harder than the average bear to even
Speaker 3: get into that job, Like it's some sort of privilege,
Speaker 3: Like it is anyway, I won't go on and on.
Speaker 4: Yeah, it's amazing how our approach to getting healthcare workers
Speaker 4: hasn't changed since the pandemic. It's amazing that we're not
Speaker 4: like the process to become a nurse is. I don't
Speaker 4: know why they haven't tried to make it easier. I
Speaker 4: don't know why they haven't tried to enumerate us for
Speaker 4: our placement hours. There's so many things that are stopping
Speaker 4: people along the way, and it's like, no, wonder we
Speaker 4: don't have any well, not enough nurses.
Speaker 3: There would be so many beautiful people that we're missing
Speaker 3: out on having in that space just because they simply
Speaker 3: can't afford it. But they're probably the right people to
Speaker 3: be in the right position, So it's arguably a privilege
Speaker 3: to get that far. Like, it's such a deep conversation
Speaker 3: that we will definitely go into even further on the
Speaker 3: podcast very soon. Money arrest I want to know, though,
Speaker 3: I feel like you've got so many them, So I'm
Speaker 3: going to make you pick a best What is your
Speaker 3: best money habit?
Speaker 4: I would probably say tracking my spending. It's a pretty
Speaker 4: simple thing to do, and I think it's made the
Speaker 4: biggest difference to me. So I, yeah, I have an
Speaker 4: Excel spreadsheet sexy. It doesn't have any fancy formulas or
Speaker 4: anything in it. I just simply track down where all
Speaker 4: my money's going. I need that as well for as
Speaker 4: I'm like partially self employed and obviously do all my
Speaker 4: own tax and stuff, I actually need to keep track
Speaker 4: of how much I'm earning as well from each job.
Speaker 4: So that's probably made the biggest difference for me, because
Speaker 4: I can see where my money's going. And I think
Speaker 4: for me, I've always had the approach with money of
Speaker 4: being intentional. I don't mind spending a whole bunch of
Speaker 4: money on travel or on things that align with my values.
Speaker 4: I wouldn't necessarily say I'm a stingy person, because I'll
Speaker 4: happily spend a lot of money on what I want
Speaker 4: to spend my money on. So I think by tracking it,
Speaker 4: I can see where my money's going, and it does reinforce,
Speaker 4: like it just shows you where there's maybe gaps, like
Speaker 4: where is my money going where that actually doesn't align
Speaker 4: with my values and I don't want to do that anymore.
Speaker 4: You can sort of see it more clearly.
Speaker 2: Love flip it on its head.
Speaker 3: Though you seem incredibly good with money, so I just
Speaker 3: don't know if you're even going to have a response
Speaker 3: to this, what's your worst money habit?
Speaker 2: My friend, I definitely do.
Speaker 4: I'm by no means perfect. I'm sorry if I've given
Speaker 4: off that impression.
Speaker 2: But no, I'm taking the mickey.
Speaker 3: I think that you are very honestly, from my perspective,
Speaker 3: really well balanced. Like the way you're approaching this, the
Speaker 3: way that you're acknowledging the way privilege has come into
Speaker 3: your money story as well as you know, even just
Speaker 3: the hustle of working through your placements, Like it's obvious
Speaker 3: that it's not just privilege that plays into this, it
Speaker 3: is hard work as well. And I think you know,
Speaker 3: at a time like now, when people are probably going
Speaker 3: to be honestly, there are going to be people who
Speaker 3: are going to be triggered by hearing that you have
Speaker 3: so much in savings. But I think that that's more
Speaker 3: of a reflection of them feeling a little bit insecure
Speaker 3: than downplaying what you have done. And I think that
Speaker 3: it's really important to talk about it that way because
Speaker 3: if people are listening to this going, oh my gosh,
Speaker 3: she's perfect money, can't believe she has a bad money habit,
Speaker 3: Like we all do. It doesn't matter if you had
Speaker 3: a million dollars in savings, you could still have bad
Speaker 3: money habits.
Speaker 2: So my friend, what is it?
Speaker 4: Well, I would probably say, like most people, I'm a
Speaker 4: sucker for a sale. Yeah, a sale gets me in.
Speaker 4: I am a marketer's dream.
Speaker 2: Oh so am I straight down the rabbit hole.
Speaker 4: But also as well my super, I think that I
Speaker 4: have done contributions to Super, and because I've had work
Speaker 4: that's been through a company like I haven't done. I
Speaker 4: haven't been self employed for it. I've obviously had super
Speaker 4: that's been contributed on my behalf through them, but because
Speaker 4: I'm managing it now at the moment, I'm completely self employed,
Speaker 4: my souper is completely my responsibility and that is just
Speaker 4: hard to manage, honestly, just timing wise. Like to sit
Speaker 4: down and go through my super and do the process
Speaker 4: of making my own contributions. It takes time and I'm
Speaker 4: probably a little bit slack with it. So yeah, I
Speaker 4: hope that I get a little bit better with that.
Speaker 4: That's definitely something I can work on.
Speaker 2: I feel like.
Speaker 3: That's very fair and that is something that most small
Speaker 3: business owners or people who are self employed are going
Speaker 3: to resonate with like, we've all been terrible at doing
Speaker 3: our own super. I guess the best tip I have
Speaker 3: there is when I do it for me personally, I
Speaker 3: just do it quarterly. You might be doing basses, and
Speaker 3: if you're not doing bases, that's okay. But bass time
Speaker 3: seems to be a time to kind of like reconcile
Speaker 3: all my accounts, get everything up to date, and make
Speaker 3: a super contribution.
Speaker 2: And I feel like if.
Speaker 3: You lump it all in with that, it becomes process
Speaker 3: as opposed to trying to find a time in the
Speaker 3: month to actually do that. And there might be a
Speaker 3: lot of people to go, oh vi, but I want
Speaker 3: to do that weekly or I want to do that monthly,
Speaker 3: and that's so fine, because there's going to be different
Speaker 3: systems that work for different people. I actually need the
Speaker 3: structure of going, okay, cool, it's time to do all
Speaker 3: my reconciliations and make sure my bass is on point
Speaker 3: and everything is good to go, and I also do
Speaker 3: my super then, so maybe that will help, but who knows.
Speaker 4: Yeah, I think some structure would be very helpful because
Speaker 4: at the moment, it's just like when I think of
Speaker 4: it and can find.
Speaker 3: Time exactly no, I just remind myself a fast time
Speaker 3: to do that. Anyway, at the start of this episode,
Speaker 3: you gave yourself a financial grade of B, and I
Speaker 3: really I told you at the time like unacceptable response
Speaker 3: would only be accepting as but learning a bit about
Speaker 3: you and you know what your thoughts and feelings and
Speaker 3: I guess values are when it comes to money, Like
Speaker 3: I feel like that does in a way check out,
Speaker 3: but it's not a comparison to other people who might
Speaker 3: say that they're a B. And I think that's important
Speaker 3: to recognize as well. But I'm not going to ask
Speaker 3: you the standard. Do you think you're still a B?
Speaker 3: Because I feel like you have thought about this a lot.
Speaker 3: But question I have is what would it take to
Speaker 3: get to an A plus for you?
Speaker 4: I mean, my big money goal, as I said, would
Speaker 4: be to get a property, and I think that if
Speaker 4: I could do that and have set it up in
Speaker 4: a way that it's an investment that's generating me passive income,
Speaker 4: that to me would be a situation where I could
Speaker 4: be hopefully in A plus going into a career like
Speaker 4: nursing knowing that I'm probably going to be earning less
Speaker 4: than I do now as a university student, which just
Speaker 4: crazy to think about the idea of having a passive
Speaker 4: income on the side that's supporting me. Yeah, that would
Speaker 4: probably be what it takes to get me to an
Speaker 4: A plus. But yeah, I definitely do feel like, particularly
Speaker 4: in relation to property, I've a lot more to learn.
Speaker 4: So I think going through the process of buying a
Speaker 4: property and setting it up so that it can be
Speaker 4: a passive income would probably mean that I have the
Speaker 4: knowledge and then that income. That wouldn't mean I'm hopefully
Speaker 4: close to your name Love, Love.
Speaker 2: Well Money diarist.
Speaker 3: I have loved having this conversation with you. I'm so
Speaker 3: grateful that you have I guess shared this journey with
Speaker 3: us and shared your stock tips and tricks and how
Speaker 3: you've been investing and what your savings looks like and
Speaker 3: broken it all down, but also shared with us the
Speaker 3: highs and the lows.
Speaker 2: Thank you so much for joining us. It has been
Speaker 2: an absolute pleasure.
Speaker 4: Thank you so much for having me. It's a bit
Speaker 4: of a dream come true.
Speaker 2: Love.
Speaker 3: The advice shared on She's on the Money is general
Speaker 3: in nature and does not consider your individual circumstances. She's
Speaker 3: on the Money exists purely for educational purposes and should
Speaker 3: not be relied upon to make an investment or financial decision.
Speaker 3: If you do choose to buy a financial product, read
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Speaker 2: Tailored towards your needs.
Speaker 3: Victoria Divine and She's on the Money are authorized representatives
Speaker 3: of Money super p T y L t D A
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