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Speaker 1: Hello.

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Speaker 2: My name is Santasha Nabananga Bamblet. I'm a proud Order

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Speaker 2: Order Kerney Whoalbury and a waddery woman. And before we

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Speaker 2: get started on She's on the Money podcast, I would

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Speaker 2: like to acknowledge the traditional custodians of the land of

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Speaker 2: which this podcast is recorded on a wondery country, acknowledging

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Speaker 2: the elders, the ancestors and the next generation coming through

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Speaker 2: as this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 3: Let's get into it.

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Speaker 4: She's on the Money, She's on the Money.

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Speaker 1: Hello, and welcome to She's on the Money podcasts and

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Speaker 1: millennials who want financial freedom. Welcome back to another one

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Speaker 1: of our money diaries where I get the absolute privilege

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Speaker 1: of talking to one of our beautiful She's on the

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Speaker 1: Money community members all about their money story. Now, let's

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Speaker 1: jump straight into it, because this week I got a

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Speaker 1: message and it sounded exactly like this, Dear She's on

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Speaker 1: the Money team. My mum was the breadwinner. This made

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Speaker 1: me want to be as strong and independent as her.

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Speaker 1: This hasn't been easy. I've gone from making poor financial

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Speaker 1: decisions in my early twenties and falling victim to lifestyle

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Speaker 1: creep to finally feeling somewhat in control. I've made a

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Speaker 1: conscious choice not to have children, which has caused questions

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Speaker 1: and comments both positive and negative. I've overcome the stereotypes

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Speaker 1: of being in a male dominated industry, and I've concentrated

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Speaker 1: on my career for over a decade to get to

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Speaker 1: where I am now. With no degree, I made six

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Speaker 1: figures and I'm on my way to owning a million

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Speaker 1: dollar business with the hope to retire in my fifties.

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Speaker 1: That She's on the Money podcast and Facebook group has

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Speaker 1: helped me so much by changing my mindset about all

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Speaker 1: things money. I'm hoping I can give motivation to someone

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Speaker 1: else who might be feeling the same way about being

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Speaker 1: an independent, childless boss Money Doris, I'm so excited to

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Speaker 1: this episode.

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Speaker 3: Oh me too, Me too. I'm glad to be here.

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Speaker 1: How good, Oh my gosh. I cannot wait to dive

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Speaker 1: into it, but in the perviviest way possible. Before we

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Speaker 1: get there, can you give me an idea of what

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Speaker 1: you think your money habits are If I asked you

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Speaker 1: to give them a grade from A through to F I.

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Speaker 3: Think at this point in time, i'd probably give myself

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Speaker 3: a B minus.

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Speaker 1: All right, well, let's learn a little bit more about

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Speaker 1: that money, Daris. Let's dive straight in. Can you tell

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Speaker 1: me a bit more about your money story.

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Speaker 3: Yeah, for sure. So, as I said in my intro,

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Speaker 3: Mum was the breadwinner, so she always had the full

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Speaker 3: time job, never anything too big and fancy or I guess,

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Speaker 3: but Dad just did odd jobs and it was a

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Speaker 3: bit of a laborer, so he kind of had spells

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Speaker 3: where he wasn't working. So we were comfortable, but we

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Speaker 3: weren't wealthy or anything like that. We never went without

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Speaker 3: or had any problems that way, but I definitely noticed,

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Speaker 3: probably it was like eleven or twelve, the struggle that

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Speaker 3: was about when there was like a drought coming in.

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Speaker 3: There wasn't as much work around, so we definitely had

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Speaker 3: like a little bit of a dip in what we

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Speaker 3: could do and all of those types of things. Mum

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Speaker 3: was really good because she pushed us to go out

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Speaker 3: and get jobs when we were younger, Me and my siblings,

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Speaker 3: we did work in like factories and stuff like that

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Speaker 3: during the school holidays and you know, as like you know, thirteen,

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Speaker 3: fourteen year old, she'd get all this money and then

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Speaker 3: spend it.

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Speaker 1: Yep. Great, I feel like I can resonate with that

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Speaker 1: part of it.

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Speaker 3: Yeah, that started really really early, to be honest. So

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Speaker 3: obviously I like to spend money when I was younger,

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Speaker 3: and that didn't stop as I was getting older. And

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Speaker 3: then as I started, you know, finishing high school, working

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Speaker 3: started working full time, and as I started building in

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Speaker 3: my career, I just obviously started earning more and more

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Speaker 3: and more and more, and I absolutely got stuck with

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Speaker 3: lifestyle creep that one hundred percent. I'll put my hand

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Speaker 3: up for that one.

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Speaker 1: It's so easy, though, you just like slip into it.

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Speaker 1: And I feel like if I explain that concept to

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Speaker 1: people who haven't really spoken about their money story before,

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Speaker 1: they're like, yeah, okay, whatever, Like inflation, things get more

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Speaker 1: expensive over time, and I'm like, oh no, it's not

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Speaker 1: just inflation getting us, it's us getting us.

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Speaker 3: Yeah. Absolutely, And so I was one of those people

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Speaker 3: that quite a few years ago, I did get stuck

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Speaker 3: in a bit of bad debt, and I had credit

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Speaker 3: cards and whatnot because it was kind of so open

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Speaker 3: and available. But I did learn that that was terrible

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Speaker 3: and I've got a bit of anxiety with not having

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Speaker 3: any money and whatnot. So I got myself out of that,

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Speaker 3: so that was fine, And to be honest, it wasn't

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Speaker 3: until I found the podcast that I really realized, God,

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Speaker 3: I'm not doing a good job here and I really

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Speaker 3: need to change what I'm doing. And I have so

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Speaker 3: much open to me and it's silly that I'm just

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Speaker 3: wasting it all away. So I kind of concentrated on,

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Speaker 3: you know, looking at my super and you know, making

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Speaker 3: a bit of a budget and kind of understanding what

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Speaker 3: I was doing there. But one thing that really got

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Speaker 3: me was actually having a discussion with some friends and

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Speaker 3: we're very open. You know, I've got some really good

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Speaker 3: friends that have businesses and whatnot, and having them to

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Speaker 3: bounce off and kind of, you know, realize that if

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Speaker 3: I want to be as successful as I want to be,

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Speaker 3: I really need to change my habits and my lifestyle

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Speaker 3: a little little bit.

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Speaker 1: I love that, So tell me a bit more about

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Speaker 1: this changing my lifestyle a little bit. Because you dropped

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Speaker 1: in your letter in you currently own six figures and

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Speaker 1: you're on your way to owning a multimillion dollar business, Like,

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Speaker 1: where is that coming? Into your money story because we

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Speaker 1: need to know.

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Speaker 3: Yeah, so obviously I have a very good job. I

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Speaker 3: adore my job, I love what I do, and I

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Speaker 3: have been very fortunate to work with some great people

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Speaker 3: and get myself into a spot where I have the

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Speaker 3: ability to purchase into a business. And that's where that

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Speaker 3: six figures comes from. It's a huge undertaking and it

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Speaker 3: is something that's been going on for the last couple

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Speaker 3: of years, which has probably given me like the biggest

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Speaker 3: smack to kind of say, I really need to be

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Speaker 3: better with my money because this is a huge commitment

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Speaker 3: to take on. I love that.

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Speaker 1: So tell me a bit more about this business. How

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Speaker 1: do you get yourself in a position where you're earning

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Speaker 1: great money and you also have been given that opportunity,

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Speaker 1: because that's not an opportunity we all get, like so

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Speaker 1: many of us get really good jobs and it's never

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Speaker 1: on the table to buy into a business, Like how

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Speaker 1: does that eventuate?

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Speaker 3: Yeah, So, in the industry that I'm in, it basically

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Speaker 3: is people own their own small business within a business.

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Speaker 3: Basically is kind of the easiest way to work it out.

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Speaker 1: Is it a bit like a franchise without being a franchise.

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Speaker 1: So there's like one main owner and then you get

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Speaker 1: to own like a subsidiary.

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Speaker 3: Maybe No, So it's more like you own your business

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Speaker 3: and you're under an umbrella of and kels. So I

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Speaker 3: guess I'm trying to think of if there's something similar

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Speaker 3: like probably like let's say a mortgage broke it. They

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Speaker 3: might work for a certain company, but they actually own

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Speaker 3: their client base.

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Speaker 1: Yes, okay, So this is where you might be like

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Speaker 1: self employed but work for someone.

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Speaker 3: Yeah.

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Speaker 1: Correct, And is the benefit to you, like in that circumstance,

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Speaker 1: is the benefit to you that you get like the

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Speaker 1: brand and the exposure and you don't have to think

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Speaker 1: about that stuff. But you get to then and the

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Speaker 1: hell you know, and the admin help. Yeah, and then

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Speaker 1: you get to kind of like own your clients and

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Speaker 1: own your quote business.

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Speaker 3: That's it.

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Speaker 1: That's kind of cool, isn't it. Yeah?

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Speaker 3: Yeah, so's it's pretty full on when you look at it,

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Speaker 3: to be honest, But it doesn't come up very easily

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Speaker 3: and often for people, I'd say, you know, because it

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Speaker 3: basically comes around when people look to retire.

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Speaker 1: Yeah, okay, And that's.

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Speaker 3: Kind of where it's come up for me. I worked

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Speaker 3: with an absolutely wonderful person who has recently retired, and

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Speaker 3: his basically plan for me is that, like, I just

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Speaker 3: look after the business at the moment and eventually I'll

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Speaker 3: buy it.

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Speaker 1: Okay, cool. I love that. So let's segue into the

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Speaker 1: next question. I need to know the pervy details. What

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Speaker 1: do you do exactly for work? And how much money

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Speaker 1: do you currently earn?

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Speaker 3: Yeah, so I'm an insurance broker.

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Speaker 1: That's why you knew about mortgage broking. I was like,

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Speaker 1: what is she talking about? Like and then you went

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Speaker 1: into mortgage broking. I'm like, that makes a lot of

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Speaker 1: sense to me because I own a mortgage breaking business.

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Speaker 1: But how does she know?

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Speaker 3: Okay? I was like, how do I say it without

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Speaker 3: giving it away too quickly?

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Speaker 1: I love that, Thank you for trying to keep the

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Speaker 1: illusion going.

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Speaker 3: And I earn just over one hundred and fifty thousand okay, nice,

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Speaker 3: and plus I get an annual bonus.

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Speaker 1: Okay, So tell me how that one fifty is made

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Speaker 1: up of. Is that like commissions and a base or

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Speaker 1: is that like just a set amount? And like, tell

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Speaker 1: me about this bonus. I need to know all of

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Speaker 1: the deeds.

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Speaker 3: Yeah. So basically that is just a pure salary. That's

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Speaker 3: just my salary. I don't get any commissions or or

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Speaker 3: anything like that at this stage. I'm purely just an employee.

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Speaker 1: I would be an employee for one hundred and fifty

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Speaker 1: thousand dollars, so yeah, yeah, sure, good deal.

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Speaker 3: And the bonus is basically my boss. Now she gives

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Speaker 3: me ten percent of our growth.

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Speaker 1: Oh okay, that's exciting. Does that really motivate you to

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Speaker 1: keep bringing on new clients and grow the business?

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Speaker 3: Absolutely? And to be honest, that's the reason why we've

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Speaker 3: done it this way for them, it was the best

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Speaker 3: idea to one keep me on, keep me motivated, and

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Speaker 3: make me want to, you know, bring more people in. Basically, Oh,

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Speaker 3: I love this.

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Speaker 1: That is actually such a motivating way to kind of

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Speaker 1: like build it without I feel like in this industry

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Speaker 1: sometimes it can be seen as bad to get commissions,

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Speaker 1: and I mean that's definitely a stereotype that doesn't exist anymore.

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Speaker 1: A lot of people think it's bad, but at the

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Speaker 1: end of the day, it's now set fee across the

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Speaker 1: industry and there's no real additional commissions like they used

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Speaker 1: to be. I mean, it used to be the wild,

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Speaker 1: wild West. Like you've probably been in this as long

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Speaker 1: as I've been in financial advice and mortgage broking, and

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Speaker 1: you hear all the stories of what all the conferences

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Speaker 1: and stuff used to be like, and you're like, oh,

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Speaker 1: my lord, that is not what life is like now.

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Speaker 1: We're like so vanilla. But I find it super interesting

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Speaker 1: to ask people in this industry about I guess what

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Speaker 1: they're working towards, talking about what we're working towards. What

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Speaker 1: are your big money goals? What are you currently working towards?

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Speaker 3: Yeah, well, I am hoping to buy a house soon hopefully.

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Speaker 3: And then the other big money goal is I need

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Speaker 3: to put money away because buying into a business is

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Speaker 3: quite a large expense and there will be a very

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Speaker 3: large loan attached to that.

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Speaker 1: Yeah. I was going to say, are you going to

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Speaker 1: save up for that? Or are you going to get

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Speaker 1: a business loan?

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Speaker 5: Like?

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Speaker 1: Have you looked into what servicing for that might look like?

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Speaker 3: Yeah? Luckily, we've actually had quite a few people around

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Speaker 3: us do similar, So I've got quite a few people

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Speaker 3: to bounce things off of and chat two and get

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Speaker 3: their opinions on how it will and all that type

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Speaker 3: of stuff. It'll be like a small chunk here and

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Speaker 3: there to start with, and.

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Speaker 1: That's the nicest way to do it. You don't have

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Speaker 1: to go whole hog and like get the biggest loan.

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Speaker 3: Ever.

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Speaker 1: How good, that's so exciting. All right, let's go to

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Speaker 1: a really quick break on the flip side. I want

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Speaker 1: to talk to you about your best and worst money habits.

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Speaker 1: I'm super pervy on those because I know that you've

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Speaker 1: changed them since joining the She's on the money community.

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Speaker 1: And I want to know a bit more about the

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Speaker 1: debt that you got yourself into when you're a little

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Speaker 1: bit earlier and didn't make as great a money decisions.

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Speaker 1: So guys, don't go anywhere. All right, money divest We

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Speaker 1: are back, And first thing off the bat, I want

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Speaker 1: to know for me, business is the biggest investment, Like,

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Speaker 1: that's where most of my money goes. Do you currently

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Speaker 1: invest If so, what in? If not, what's the plan

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Speaker 1: and how does that work for you?

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Speaker 3: Yeah? I do a little bit. So I have just

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Speaker 3: a small amount in some ETFs, so that's obviously from

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Speaker 3: listening to you, and I'll just decided to jump in

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Speaker 3: there a little bit. But I did put that on

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Speaker 3: hold from putting more in just so I could save

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Speaker 3: money for the house and do all of that type

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Speaker 3: of thing. Yeah, and then I've got my super which

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Speaker 3: is at about one hundred and twenty five thousand.

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Speaker 1: How exciting. Tell me a bit more about this investing

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Speaker 1: journey when you started, How did you pick a platform?

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Speaker 1: How did you pick the ETFs that you wanted to

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Speaker 1: invest in?

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Speaker 3: I did look at you know, spaceship and things like that,

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Speaker 3: but I decided to just use the comm sec.

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Speaker 1: YEP, perfect app feel safe right, Yeah.

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Speaker 3: And it was quite easy and there wasn't a million

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Speaker 3: choices and things to look at. It was kind of a.

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Speaker 1: Concept pocket yeah yeah, yeah, so like the one that

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Speaker 1: you got a little bit of a condensed list of

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Speaker 1: ets Yeah, okay, I love that for someone who has

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Speaker 1: analysis paralysis.

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Speaker 3: M hmmm. So it was good to just like kind

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Speaker 3: of have a read and understand a little bit as

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Speaker 3: to what they were offering and what that actually looked like,

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Speaker 3: to just like, you know, put my toes in the

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Speaker 3: water and see how it went. Yeah.

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Speaker 1: No, I love that. That's exactly how I feel like

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Speaker 1: most people start investing. And I've heard really good things

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Speaker 1: about Contact Pocket because it does have that condensed list.

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Speaker 1: You're like, okay, now I'm not looking at hundreds of them,

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Speaker 1: I like have ten, let's go from there. So that's

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Speaker 1: super exciting. Debt do you currently have any and if not,

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Speaker 1: can you tell me a bit more about your debt

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Speaker 1: story when you got yourself into a little bit of

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Speaker 1: a lifestyle creep conundrum.

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Speaker 3: Of course, Yes, I do have a car loan. Actually

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Speaker 3: was listening to one of the earlier episodes and someone

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Speaker 3: was talking about having a car loan with a balloon yeah,

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Speaker 3: and that really resonated with me because that seems terrifying,

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Speaker 3: you know, getting to the end of a loan cycle

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Speaker 3: and then having to pay a lump sum. But I

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Speaker 3: actually got my car on a balloon payment scheme. But

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Speaker 3: I spoke with the financial guy at the car yard

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Speaker 3: and I'm actually just paying extra to get it.

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Speaker 1: Paid off quicker and like not have to have Yeah.

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Speaker 3: Yeah, yeah. And basically they had like a deal going

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Speaker 3: on and the rate was so much cheaper if you

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Speaker 3: took the balloon option. Yeah.

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Speaker 1: Isn't it crazy how much they kind of incentivize you

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Speaker 1: to stay in.

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Speaker 3: Debt, Yeah exactly. But he was so good and he

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Speaker 3: just said, if you pay this much per fortnite, whatever

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Speaker 3: it is, you'll have it paid off before that date.

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Speaker 3: And you'd be all good and you won't have anything

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Speaker 3: to pay. So that was I thought, fantastic advice.

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Speaker 1: Yeah, like we're all going to go with a lower

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Speaker 1: interest rate?

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Speaker 3: Yes, please exactly. Yeah. Yeah.

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Speaker 1: Does that make you feel I mean we're in the

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Speaker 1: middle of cost of living crisis? Does that also make

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Speaker 1: you feel a little bit more secure knowing that if

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Speaker 1: things hit the fan, you could lower how much you're

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Speaker 1: paying on your car and still be okay? Or is

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Speaker 1: that something that you haven't really thought of?

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Speaker 3: Yeah, I guess it does. While I'm in the last

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Speaker 3: like little leg of you know, saving money for a house,

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Speaker 3: it is actually quite good because I have dropped that

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Speaker 3: payment slightly just to add those extra couple of dollars

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Speaker 3: into the savings account.

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Speaker 1: Yeah, it's given you a bit more flexibility.

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Speaker 3: Because I look at the you know, what's O and

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Speaker 3: blah blah blah, work out the calculation, and I'm already

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Speaker 3: way ahead than what I actually need to be. So yes,

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Speaker 3: it is. It's a nice piece of mind for sure.

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Speaker 1: And how much is your car loan right now? And

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Speaker 1: what did you take out?

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Speaker 3: So it was forty eight thousand and I've got twenty

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Speaker 3: five thousand left on it. Yeah, so I think it

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Speaker 3: should be paid off in about eighteen months.

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Speaker 1: How cool? Can I ask what type of car does

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Speaker 1: a forty eight thousand dollar loan get you?

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Speaker 3: Well? I did also have a trade in.

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Speaker 1: Oh, you're about to tell me a bougie option which

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Speaker 1: she's a fancy girl.

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Speaker 3: I actually yeah, I drive, are you?

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Speaker 1: Yeah?

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Speaker 3: Cool?

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Speaker 1: You don't take me as a yute gurlie.

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Speaker 3: But I love this well, to be honest, it all

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Speaker 3: fits in with my work, so I do a lot

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Speaker 3: of long driving and country and stuff like. That's so fair.

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Speaker 1: Okay, So the type of insurance broking you're in is

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Speaker 1: not like life insurance for people in the CBD. No,

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Speaker 1: it's more maybe like agricultural and farming. Is that right?

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Speaker 3: Yeah, I have a lot of that. I also specialize

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Speaker 3: in hard to place Ah cool, yeah, so big like manufacturing,

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Speaker 3: you know, basically anything that can hurt people or yeah

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Speaker 3: yeah yeah and in a bad way.

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Speaker 1: Oh that would be so interesting to do. Do you

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Speaker 1: love it in addition to it being a really good career?

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Speaker 4: Oh?

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Speaker 3: Yeah, I mean I say to people it's stressful quite

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Speaker 3: a lot. Yea, it will be, but I absolutely love it.

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Speaker 3: I don't know what it is and whether I'm just

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Speaker 3: a weird person that likes things like that.

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Speaker 1: But ye, no you're not. I get it. I get

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Speaker 1: it all right, Tell me a bit more. You've obviously

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Speaker 1: changed your money habits more recently. What's your best money habit.

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Speaker 3: My best money habit would probably have to be that

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Speaker 3: if I decide on something, I am pretty good at

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Speaker 3: getting it done. So if I sat down one day

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Speaker 3: and said I need to change, I need to stop

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Speaker 3: spending and save a bit more, I will do it.

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Speaker 3: Like if I put a goal, then I'll cut corners

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Speaker 3: and do what I need to do to make sure

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Speaker 3: I get there. So that's probably my best one.

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Speaker 1: That's actually a fantastic habit. Like doing what I said

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Speaker 1: I was going to do is something I am not

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Speaker 1: that great at. I'm always like, oh, I'll be better

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Speaker 1: at X, or I'll be better at Y at some

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Speaker 1: point in the future, and then I don't do it.

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Speaker 1: Like if that was my money habit, I'd be so

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Speaker 1: proud of myself.

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Speaker 3: Yeah, well, I mean, once I get to the end,

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Speaker 3: I am, and to be honest, I'm not perfect, so.

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Speaker 1: I do sometimes no one is come on.

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Speaker 3: Starter on these things, but it definitely is something that

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Speaker 3: I am. I'm glad that I can do if I

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Speaker 3: need to.

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Speaker 1: I love that. Can we flip the narrative? What are

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Speaker 1: you not so good at? What's your worst money habit?

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Speaker 3: I'm just a spendy gal ah girl.

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Speaker 1: Same what do we spendy on?

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Speaker 3: Though I'm an absolute yes man. I will say yes

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Speaker 3: to absolutely anything, so if that's a dinner, a night out,

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Speaker 3: an activity, I'm one of those people like I recharge

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Speaker 3: with others. So I'm always out about doing things. And

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Speaker 3: you know, even if you just go out for breakfast,

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Speaker 3: it's an expensive thing these days to go out for breakfast.

390
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Speaker 1: Why is it so expensive? My husband and I went

391
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Speaker 1: out on the weekend and he had like this fancy

392
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Speaker 1: eggs benedict thing that looked really good. I'm so basic.

393
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Speaker 1: I always get two poached eggs on toast, like I

394
00:18:09,600 --> 00:18:13,439
Speaker 1: can't be changed. Two coffees. It was like sixty dollars.

395
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Speaker 1: Be for real, be for real, Like, do you remember

396
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Speaker 1: back in the day it used to be like fifteen

397
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Speaker 1: dollars for breakfast and maybe a coffee will push it

398
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Speaker 1: close to twenty, but.

399
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Speaker 3: It wasn't exactly. And that's you add that and then

400
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Speaker 3: you kind of go all right, Well, I'm also going

401
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Speaker 3: out for dinner that night, or you know, going out

402
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Speaker 3: with the girls for drinks or whatever it might be.

403
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Speaker 3: That's usually my kryptonite. I don't don't like to say no.

404
00:18:36,160 --> 00:18:39,480
Speaker 1: It adds up, hey, Like I just I can't get

405
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Speaker 1: over it. And like I'm very privileged in that I'm

406
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Speaker 1: still able to afford to do that, Like we put

407
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Speaker 1: it into our budget and we make it happen, and

408
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Speaker 1: that's something that we really value. But it's so tough

409
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Speaker 1: at the moment because I look at that and I

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Speaker 1: go historically for me, I don't know about you, dinner

411
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Speaker 1: and breakfast, like they used to be two different price points.

412
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Speaker 1: Like breakfast used to be like the hey, girlfriend, let's

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Speaker 1: go out for brecky because it's like cheaper and you know,

414
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Speaker 1: we can go for a walk after and like it's

415
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Speaker 1: not the expensive option. And now I feel like I'm

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Speaker 1: spending exactly what I would at brunch on dinner like

417
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Speaker 1: before real I can't deal with that. That's not fair.

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Speaker 3: Yeah, And I think that probably leads on to my

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Speaker 3: second worst habit is that I don't know where all

420
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Speaker 3: my money goes. So I have like it's set up

421
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Speaker 3: that I know that you know, when I get paid,

422
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Speaker 3: all my money goes to my bills and this and

423
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Speaker 3: this and this, and they all sit in their own accounts.

424
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Speaker 3: But then I just have, you know, my spending money,

425
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Speaker 3: and then I look at that and it just and

426
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Speaker 3: I don't know where it goes in the end.

427
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Speaker 1: Why do you think that is?

428
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Speaker 3: I I've just never been a person to keep track

429
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Speaker 3: of it. I've not ever been that person that hasn't

430
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Speaker 3: been able to pay something or have got to that

431
00:19:50,600 --> 00:19:51,679
Speaker 3: point where I've.

432
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Speaker 1: Had an issue forced into it.

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Speaker 3: And that's probably what's come from having this higher income,

434
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Speaker 3: is that I kind of sit there and I probably

435
00:19:58,440 --> 00:20:01,919
Speaker 3: give myself too much money to play with and I

436
00:20:01,960 --> 00:20:05,399
Speaker 3: don't need to see where it's all going or see

437
00:20:05,400 --> 00:20:09,360
Speaker 3: what's happening with it. Albeit I did just change that,

438
00:20:10,080 --> 00:20:12,879
Speaker 3: made a decision on Sunday that I do need to

439
00:20:13,280 --> 00:20:16,040
Speaker 3: cut down on my spending et cetera, et cetera, because

440
00:20:16,119 --> 00:20:18,720
Speaker 3: I'm getting so close to the buying the house situation

441
00:20:18,760 --> 00:20:21,680
Speaker 3: that I really need. Yeah, that's exciting, pull that down.

442
00:20:22,240 --> 00:20:24,280
Speaker 1: Yeah, And I feel like the second you get the house,

443
00:20:24,320 --> 00:20:26,919
Speaker 1: the spending just increases. And even if you have a

444
00:20:26,920 --> 00:20:29,400
Speaker 1: fully furnished house right now, like you will always find

445
00:20:29,400 --> 00:20:31,320
Speaker 1: things that you need to purchase in this new house

446
00:20:31,520 --> 00:20:34,520
Speaker 1: above and beyond all of the actual property costs. You're like,

447
00:20:34,560 --> 00:20:36,800
Speaker 1: oh my gosh, well, actually there's a spare corner here.

448
00:20:36,840 --> 00:20:38,919
Speaker 1: I need a side table. You might be buying it

449
00:20:38,960 --> 00:20:41,520
Speaker 1: on Marketplace, but that's still money going out the door.

450
00:20:41,800 --> 00:20:44,879
Speaker 1: Like it is wild how that compounds. I'm going to

451
00:20:44,920 --> 00:20:46,280
Speaker 1: help you out. I'm going to gift to you our

452
00:20:46,359 --> 00:20:48,520
Speaker 1: money Masterclass so that you can kind of get on

453
00:20:48,560 --> 00:20:51,040
Speaker 1: top of it, mainly because I'm really proud of it,

454
00:20:51,080 --> 00:20:53,159
Speaker 1: like I just want everyone to have it. And I

455
00:20:53,200 --> 00:20:55,800
Speaker 1: think that that'll give you really good insight into where

456
00:20:55,840 --> 00:20:58,000
Speaker 1: your money is going. And I think the best thing

457
00:20:58,080 --> 00:21:01,120
Speaker 1: is that it's all automated, so it's like really low effort.

458
00:21:01,280 --> 00:21:04,080
Speaker 1: So put all your income in, put what you're spending

459
00:21:04,160 --> 00:21:06,880
Speaker 1: in there, and it will spit out like what bank

460
00:21:06,880 --> 00:21:09,920
Speaker 1: accounts things need to go to, and like the percentages

461
00:21:09,960 --> 00:21:13,439
Speaker 1: you're spending on, which you don't need to adhere to percentages.

462
00:21:13,440 --> 00:21:15,119
Speaker 1: If you know me well enough, you know that I

463
00:21:15,200 --> 00:21:18,480
Speaker 1: don't like budgeting on percentages, but I do love knowing

464
00:21:18,600 --> 00:21:20,919
Speaker 1: what percentage of my income's going to rent or what

465
00:21:20,960 --> 00:21:23,760
Speaker 1: percentage of my income. Am I able to save, not

466
00:21:24,000 --> 00:21:26,639
Speaker 1: so that I can benchmarket against other people. I just

467
00:21:26,760 --> 00:21:28,360
Speaker 1: like being comfy with my own numbers.

468
00:21:29,119 --> 00:21:30,880
Speaker 3: Absolutely, we will love numbers.

469
00:21:30,640 --> 00:21:32,240
Speaker 1: So we will set you up with that. But what

470
00:21:32,280 --> 00:21:35,199
Speaker 1: I'm hearing right now is that you're pretty money savvy,

471
00:21:35,720 --> 00:21:39,280
Speaker 1: and I mean you're clearly being offered an epic opportunity,

472
00:21:39,600 --> 00:21:41,399
Speaker 1: like the fact that you'll be able to own a

473
00:21:41,400 --> 00:21:44,959
Speaker 1: million dollar business and potentially retire in your fifties, like

474
00:21:45,440 --> 00:21:48,480
Speaker 1: that is elite. One thing we didn't get onto that

475
00:21:48,560 --> 00:21:51,879
Speaker 1: you mentioned in your money story, because you know, like

476
00:21:51,920 --> 00:21:53,640
Speaker 1: we're here to talk about money, but this is more

477
00:21:53,640 --> 00:21:56,840
Speaker 1: of a personal thing, you said. I've made the conscious

478
00:21:56,920 --> 00:21:59,560
Speaker 1: choice to not have children, which has caused questions and

479
00:21:59,600 --> 00:22:02,560
Speaker 1: comments both positive and negative. I'd love to touch on

480
00:22:02,600 --> 00:22:05,840
Speaker 1: this because I feel like it's such a fickle space,

481
00:22:05,920 --> 00:22:08,160
Speaker 1: like and I honestly, and I do apologises. I forgot

482
00:22:08,160 --> 00:22:09,919
Speaker 1: to ask about it because it's not important to me

483
00:22:10,040 --> 00:22:12,480
Speaker 1: whether you have kids or not, but I feel like

484
00:22:12,600 --> 00:22:14,639
Speaker 1: it is really important to a lot of other people.

485
00:22:14,720 --> 00:22:16,760
Speaker 1: Often they'll go, oh, what's your name, Oh what do

486
00:22:16,800 --> 00:22:18,520
Speaker 1: you do for work? Oh do you have kids? Like

487
00:22:18,600 --> 00:22:22,280
Speaker 1: it's the next question, So tell me about that. Decision

488
00:22:22,520 --> 00:22:25,080
Speaker 1: and how hard it was to make, or like how

489
00:22:25,119 --> 00:22:26,560
Speaker 1: that's impacted your life.

490
00:22:26,640 --> 00:22:30,119
Speaker 3: To be honest, it's probably been a decision that I

491
00:22:30,359 --> 00:22:32,760
Speaker 3: made a long, long time ago, you know, it's it's

492
00:22:32,840 --> 00:22:35,240
Speaker 3: not been in the last a few years or whatever

493
00:22:35,280 --> 00:22:37,959
Speaker 3: that might be. And I've been pretty steadfast in it.

494
00:22:38,000 --> 00:22:39,240
Speaker 3: You know, when you just know something it's.

495
00:22:39,119 --> 00:22:40,639
Speaker 1: Not for you, it's not for me.

496
00:22:40,880 --> 00:22:43,399
Speaker 3: Yeah, yeah, And you know, don't get me wrong, Like,

497
00:22:43,480 --> 00:22:45,840
Speaker 3: I love my niece and I've got you know, there's

498
00:22:46,000 --> 00:22:49,080
Speaker 3: lots of people around me with babies and I love them,

499
00:22:49,280 --> 00:22:52,400
Speaker 3: but it's just not my future. I just don't see it.

500
00:22:52,480 --> 00:22:54,639
Speaker 1: I love that for you, like I just love that

501
00:22:54,680 --> 00:22:56,879
Speaker 1: you've made the decision and it works for you. Although

502
00:22:57,520 --> 00:23:00,400
Speaker 1: as this isn't on you, I just think it's really

503
00:23:00,480 --> 00:23:03,840
Speaker 1: frustrating when I'm having a conversation like this, and when

504
00:23:03,880 --> 00:23:06,200
Speaker 1: anyone's having a conversation like this, you're probably going to

505
00:23:06,280 --> 00:23:08,760
Speaker 1: agree with me here, and you know, you say, oh,

506
00:23:08,800 --> 00:23:11,160
Speaker 1: I just don't want to have kids. Often we feel

507
00:23:11,200 --> 00:23:12,960
Speaker 1: the need to then justify it and go, oh, but

508
00:23:13,000 --> 00:23:15,159
Speaker 1: I do love my nieces, and I do love my nephews,

509
00:23:15,160 --> 00:23:17,439
Speaker 1: and I really love all the other kids in my life. Like,

510
00:23:17,600 --> 00:23:19,600
Speaker 1: of course you do, Like there are other humans in

511
00:23:19,640 --> 00:23:22,359
Speaker 1: your life, like, oh, it's like my friends who are like,

512
00:23:22,720 --> 00:23:25,639
Speaker 1: oh yeah, I just don't like men, like I like

513
00:23:25,680 --> 00:23:28,000
Speaker 1: seeing women. But it doesn't mean I hate men. It

514
00:23:28,040 --> 00:23:30,280
Speaker 1: doesn't mean like we don't have to justify it. You

515
00:23:30,280 --> 00:23:32,560
Speaker 1: don't have to have kids, you don't need to do this.

516
00:23:32,600 --> 00:23:35,680
Speaker 1: You've made this conscious decision and it's in your best interests.

517
00:23:35,720 --> 00:23:38,720
Speaker 1: And I just think it's so wild that we automatically

518
00:23:38,800 --> 00:23:42,240
Speaker 1: default to feeling the need to justify our own decisions

519
00:23:42,280 --> 00:23:45,400
Speaker 1: as though we owe somebody else an explanation. And I'm

520
00:23:45,400 --> 00:23:47,120
Speaker 1: not meaning to call you out on that, but I'm

521
00:23:47,160 --> 00:23:50,280
Speaker 1: more saying, like, we all do it, and I just

522
00:23:50,280 --> 00:23:53,560
Speaker 1: look at it and go, babe, like, of course you do.

523
00:23:53,720 --> 00:23:56,639
Speaker 1: Like you've seem like a really kind, nice human and

524
00:23:56,720 --> 00:23:58,959
Speaker 1: just because you're choosing not to have children doesn't mean

525
00:23:58,960 --> 00:23:59,800
Speaker 1: you don't like them.

526
00:24:00,240 --> 00:24:03,399
Speaker 3: No, And I mean, this will, this will probably you know,

527
00:24:03,520 --> 00:24:06,480
Speaker 3: hit you a little bit. But for me, I did

528
00:24:07,000 --> 00:24:12,320
Speaker 3: make the conscious decision to tell my employer that I

529
00:24:12,400 --> 00:24:15,800
Speaker 3: wasn't going to be doing that, and in all honesty,

530
00:24:15,960 --> 00:24:18,600
Speaker 3: I think that is one of the main reasons why

531
00:24:18,640 --> 00:24:21,920
Speaker 3: I was able to get where I am.

532
00:24:22,040 --> 00:24:25,800
Speaker 1: Oh my god, that's so pervy and that pisces me off.

533
00:24:26,160 --> 00:24:29,480
Speaker 3: Yeah, because there wasn't that you know, weird thought process

534
00:24:29,600 --> 00:24:32,080
Speaker 3: that oh, she'll just go off and have kids at

535
00:24:32,080 --> 00:24:34,360
Speaker 3: some stage, so you know, we better not put too much,

536
00:24:34,400 --> 00:24:37,320
Speaker 3: you know, on them and blah blah blah blah blah, whereas.

537
00:24:37,440 --> 00:24:39,680
Speaker 1: You've just been really clear with them. Like, by the way,

538
00:24:39,760 --> 00:24:40,640
Speaker 1: this isn't for me.

539
00:24:41,200 --> 00:24:43,879
Speaker 3: Because I feel like I shouldn't have to. But at

540
00:24:43,880 --> 00:24:46,400
Speaker 3: the same time, I feel like if I didn't, then

541
00:24:46,400 --> 00:24:49,160
Speaker 3: I could have looked a bit different, if that makes sense.

542
00:24:49,400 --> 00:24:51,560
Speaker 1: Isn't it sad that that's the case, Like, I'm so

543
00:24:51,880 --> 00:24:55,320
Speaker 1: glad that you've used that to your own advantage, and

544
00:24:55,359 --> 00:24:58,560
Speaker 1: I think that women should be using every opportunity like

545
00:24:58,640 --> 00:25:02,040
Speaker 1: this to their advantage. Like, yeah, it sucks. No, I

546
00:25:02,080 --> 00:25:03,880
Speaker 1: don't want to be in this position and be put

547
00:25:03,920 --> 00:25:07,480
Speaker 1: behind because of that choice. But also we use what

548
00:25:07,520 --> 00:25:09,440
Speaker 1: we've got to use and make it work for us, right,

549
00:25:09,600 --> 00:25:12,119
Speaker 1: like get it? Yeah, And I mean, let's be honest,

550
00:25:12,240 --> 00:25:14,959
Speaker 1: if ever you decided to change your mind and had

551
00:25:14,960 --> 00:25:18,160
Speaker 1: a kid, you could be like, oh my gosh, miracle baby,

552
00:25:18,600 --> 00:25:22,960
Speaker 1: Like who saw this coming? Yeah, Oh this is meant

553
00:25:22,960 --> 00:25:25,280
Speaker 1: to be the stars are aligned and it's none of

554
00:25:25,320 --> 00:25:26,720
Speaker 1: their bloody business.

555
00:25:26,600 --> 00:25:29,080
Speaker 3: Exactly, But I guess that's probably you know, as I

556
00:25:29,240 --> 00:25:31,680
Speaker 3: mentioned in my story, you know, it is a very

557
00:25:32,000 --> 00:25:36,840
Speaker 3: male dominated industry because the way we service our clients.

558
00:25:37,640 --> 00:25:41,280
Speaker 3: Having that, you know, say, nine to twelve months off

559
00:25:41,600 --> 00:25:46,000
Speaker 3: after you've had a baby, is extremely hard to handle

560
00:25:46,160 --> 00:25:49,240
Speaker 3: from our kind of position, if that makes sense.

561
00:25:49,320 --> 00:25:51,440
Speaker 1: No, I get it as someone in finance, the way

562
00:25:51,480 --> 00:25:54,000
Speaker 1: people side eye me because I have had a baby,

563
00:25:54,040 --> 00:25:56,320
Speaker 1: and even the way people have side eyed me because

564
00:25:56,359 --> 00:25:58,919
Speaker 1: I say, oh, yeah, no, no, no, I dropped Harvey off

565
00:25:58,920 --> 00:26:00,959
Speaker 1: to daycare so it could come into recording. They're like,

566
00:26:01,119 --> 00:26:03,560
Speaker 1: Victoria is five months old, and I'm like, yep, because

567
00:26:03,560 --> 00:26:05,040
Speaker 1: like I have a career and a life, and like

568
00:26:05,080 --> 00:26:07,200
Speaker 1: this is what I've chosen. And just because I'm parenting

569
00:26:07,280 --> 00:26:10,159
Speaker 1: different to you doesn't make me a less apparent. And

570
00:26:10,200 --> 00:26:12,639
Speaker 1: I just feel like I'm probably in a situation like

571
00:26:12,680 --> 00:26:16,119
Speaker 1: you where I'm immediately defending my decisions even though I

572
00:26:16,119 --> 00:26:17,920
Speaker 1: know they're the right ones for me and my family.

573
00:26:18,440 --> 00:26:21,480
Speaker 3: Like be for real, Yeah it is. It's frustrating when

574
00:26:21,520 --> 00:26:23,119
Speaker 3: you do you have to kind of defend it in

575
00:26:23,520 --> 00:26:27,720
Speaker 3: some way. Yet if I didn't have a career or something,

576
00:26:27,800 --> 00:26:29,479
Speaker 3: someone would be judging me for that, Like, you know,

577
00:26:29,520 --> 00:26:32,280
Speaker 3: it's a never ending cycle.

578
00:26:32,600 --> 00:26:36,359
Speaker 1: Not everything is for everybody. You don't want a career, Slay,

579
00:26:36,440 --> 00:26:38,359
Speaker 1: I'm glad you know that you don't want a career.

580
00:26:38,400 --> 00:26:39,639
Speaker 1: You don't want to work, and you want to be

581
00:26:39,640 --> 00:26:42,119
Speaker 1: a stay at home mum. Like I hope that that

582
00:26:42,280 --> 00:26:44,680
Speaker 1: is the most fulfilling job you ever have, because that's

583
00:26:44,720 --> 00:26:48,000
Speaker 1: all you've ever wanted. Like, I don't care what you do,

584
00:26:48,119 --> 00:26:50,520
Speaker 1: as long as you have the tools and the resources

585
00:26:50,520 --> 00:26:54,320
Speaker 1: to make educated decisions about your life. And it is

586
00:26:54,359 --> 00:26:57,040
Speaker 1: a choice, not something you're forced into. I could not

587
00:26:57,119 --> 00:26:57,680
Speaker 1: care less.

588
00:26:58,359 --> 00:27:00,320
Speaker 3: Yeah, absolutely be.

589
00:27:00,400 --> 00:27:02,960
Speaker 1: For real Anyway, I'm glad that I asked you about

590
00:27:02,960 --> 00:27:04,479
Speaker 1: that because they feel like there are a lot of

591
00:27:04,520 --> 00:27:07,480
Speaker 1: people who would be going or how she do that?

592
00:27:07,760 --> 00:27:10,560
Speaker 1: Like what are the negative comments that people are making?

593
00:27:10,600 --> 00:27:13,720
Speaker 1: Because you mentioned here that there are like positive and negative,

594
00:27:13,760 --> 00:27:15,679
Speaker 1: and I feel like a lot of the positive are

595
00:27:15,760 --> 00:27:17,840
Speaker 1: going to be like, oh, you can focus on your career,

596
00:27:17,840 --> 00:27:19,400
Speaker 1: and oh my gosh, I'm glad you're doing the right

597
00:27:19,440 --> 00:27:21,840
Speaker 1: thing for you and get it. But like, are people

598
00:27:21,920 --> 00:27:23,640
Speaker 1: really that brazen that they're so negative?

599
00:27:23,680 --> 00:27:26,359
Speaker 3: Still? Yeah, people can be, And I guess that was

600
00:27:26,400 --> 00:27:28,080
Speaker 3: the reason why I wanted to put it in the story,

601
00:27:28,240 --> 00:27:30,160
Speaker 3: was because there are probably a lot of people out

602
00:27:30,160 --> 00:27:33,119
Speaker 3: there who do feel this way, and to be honest

603
00:27:33,200 --> 00:27:35,199
Speaker 3: to my mom a long time to understand that that

604
00:27:35,320 --> 00:27:36,960
Speaker 3: was kind of where I was going. But I'm like,

605
00:27:37,280 --> 00:27:40,080
Speaker 3: I've got siblings, I've got cousins. It's fine, babies around

606
00:27:40,240 --> 00:27:42,720
Speaker 3: and be right. But the negative comments that come out

607
00:27:42,720 --> 00:27:44,119
Speaker 3: of it always the same.

608
00:27:44,600 --> 00:27:46,879
Speaker 1: You'll change your mind, Why would I change my mind?

609
00:27:47,200 --> 00:27:50,720
Speaker 3: Always the same, And I'm like, okay, cool, maybe I do.

610
00:27:50,800 --> 00:27:54,240
Speaker 3: But it's always said with that malice of you know,

611
00:27:54,440 --> 00:27:57,840
Speaker 3: with that kind of thought process, like you're just being selfish.

612
00:27:58,320 --> 00:28:00,640
Speaker 3: You know you're not bring it out of this world,

613
00:28:00,720 --> 00:28:02,879
Speaker 3: so you're being selfish or you know this isn't what

614
00:28:02,920 --> 00:28:05,440
Speaker 3: you're meant to do, or how could you do that? Is?

615
00:28:05,520 --> 00:28:08,000
Speaker 3: It is really odd how.

616
00:28:08,320 --> 00:28:12,040
Speaker 1: Pressed someone else gets about your personal situation.

617
00:28:12,040 --> 00:28:14,280
Speaker 3: And unfortunately it's always usually comes from women.

618
00:28:14,640 --> 00:28:18,280
Speaker 1: Yes, I've noticed that. I find it wild when people

619
00:28:18,320 --> 00:28:21,119
Speaker 1: think that the decision to not have kids is selfish,

620
00:28:21,359 --> 00:28:23,639
Speaker 1: when it's probably one of the most selfless things you

621
00:28:23,680 --> 00:28:26,280
Speaker 1: can do, Like I've put me first. We are already

622
00:28:26,280 --> 00:28:29,440
Speaker 1: in a world that is arguably overpopulated. Who knows where

623
00:28:29,440 --> 00:28:31,639
Speaker 1: the world is going. It was a conundrum that I

624
00:28:31,680 --> 00:28:34,520
Speaker 1: had when my husband and I were choosing to have kids.

625
00:28:34,560 --> 00:28:36,160
Speaker 1: I was like, is this a world that we want

626
00:28:36,200 --> 00:28:38,560
Speaker 1: to bring a child into? Like is this what we

627
00:28:38,600 --> 00:28:41,040
Speaker 1: want to do? And if we are, we have to

628
00:28:41,040 --> 00:28:43,040
Speaker 1: commit fully to that, Like I don't want to be

629
00:28:43,080 --> 00:28:44,800
Speaker 1: a half parent, I don't want to be a parent.

630
00:28:44,840 --> 00:28:47,600
Speaker 1: That then decides, oh, this probably wasn't for me, Like

631
00:28:47,800 --> 00:28:50,400
Speaker 1: I wanted to be boots and all in and I am,

632
00:28:50,440 --> 00:28:52,920
Speaker 1: and I'm so glad because that's aligned to my values.

633
00:28:52,960 --> 00:28:56,200
Speaker 1: But like, I think, having become a parent, it's made

634
00:28:56,280 --> 00:28:59,920
Speaker 1: me realize now that the decision to not be a pair,

635
00:29:00,880 --> 00:29:03,120
Speaker 1: if you were even erring on the side of caution,

636
00:29:03,400 --> 00:29:06,320
Speaker 1: is a really powerful one because it's not for the weak.

637
00:29:07,000 --> 00:29:08,280
Speaker 1: It is not for the week.

638
00:29:08,760 --> 00:29:11,120
Speaker 3: No, not with all, not with all the h oh

639
00:29:11,240 --> 00:29:14,080
Speaker 3: really you know you get from people. It's actually it

640
00:29:14,120 --> 00:29:16,480
Speaker 3: gets a bit tiring at that time. So usually I

641
00:29:16,520 --> 00:29:18,080
Speaker 3: just don't say anything. I just say no, I don't

642
00:29:18,120 --> 00:29:18,520
Speaker 3: have kids.

643
00:29:18,640 --> 00:29:20,160
Speaker 1: You just look back at them and be like, oh,

644
00:29:20,200 --> 00:29:22,400
Speaker 1: and you chose to have kids with those genetics, like

645
00:29:22,520 --> 00:29:26,240
Speaker 1: be for real, all right, I want to know. Now

646
00:29:26,360 --> 00:29:27,959
Speaker 1: we've had a really good chat, and I feel like

647
00:29:28,400 --> 00:29:30,600
Speaker 1: you are one of these people that just knows themselves

648
00:29:30,640 --> 00:29:32,480
Speaker 1: and I love that, Like you know where you're going,

649
00:29:32,560 --> 00:29:34,600
Speaker 1: you know what you want out of life, Like you

650
00:29:34,720 --> 00:29:37,760
Speaker 1: graded yourself a BS, but you have a really good

651
00:29:37,800 --> 00:29:40,600
Speaker 1: grasp on what your money story was, and you're earning

652
00:29:40,640 --> 00:29:43,000
Speaker 1: great money. And you know, the one thing that you

653
00:29:43,080 --> 00:29:44,920
Speaker 1: did say was, oh, you know, I'm a bit of

654
00:29:44,920 --> 00:29:48,240
Speaker 1: a yes man. I'm a spendy goal but also my

655
00:29:48,320 --> 00:29:50,160
Speaker 1: second worst habit is that I don't know where my

656
00:29:50,200 --> 00:29:53,440
Speaker 1: money goes. And like that's so easily fixable. What would

657
00:29:53,480 --> 00:29:55,240
Speaker 1: it take to get you to an A plus?

658
00:29:55,960 --> 00:29:59,160
Speaker 3: To be honest, probably just being more aware of where

659
00:29:59,160 --> 00:30:01,480
Speaker 3: my money goes and what I'm actually spending on to

660
00:30:01,520 --> 00:30:05,000
Speaker 3: see if it's just you know, things that I can change,

661
00:30:05,040 --> 00:30:08,480
Speaker 3: you know, whether I you know, don't get a coffee

662
00:30:08,520 --> 00:30:10,480
Speaker 3: every day and I just I can make them at home.

663
00:30:10,520 --> 00:30:12,520
Speaker 3: I don't need I don't need a morning coffee every day.

664
00:30:12,560 --> 00:30:15,440
Speaker 3: Things like that. But to be honest, I think I

665
00:30:15,560 --> 00:30:18,920
Speaker 3: really need to probably speak to like a financial advisor

666
00:30:19,040 --> 00:30:22,760
Speaker 3: or something like that, just for the future planning.

667
00:30:23,080 --> 00:30:25,520
Speaker 1: Yeah, I've got one for you, I will set you

668
00:30:25,640 --> 00:30:28,040
Speaker 1: up off air. I feel like that's a really good idea,

669
00:30:28,440 --> 00:30:31,360
Speaker 1: especially because you have such clarity in your career and

670
00:30:31,440 --> 00:30:34,280
Speaker 1: what you're doing, and like, let's be honest, the biggest

671
00:30:34,320 --> 00:30:36,720
Speaker 1: financial burden these kids. You already know you're not going

672
00:30:36,800 --> 00:30:39,840
Speaker 1: to have that. Okay, well, how are we making ourselves wealthy?

673
00:30:40,200 --> 00:30:42,360
Speaker 3: Yeah? And that's and that's it, because I do look

674
00:30:42,400 --> 00:30:43,640
Speaker 3: at it and I say, you know, I do have

675
00:30:43,960 --> 00:30:46,840
Speaker 3: quite a high income. I should be doing more with it,

676
00:30:46,880 --> 00:30:49,400
Speaker 3: if that makes sense, or whether that's investing, whether that's

677
00:30:49,400 --> 00:30:52,320
Speaker 3: putting it in my super or whatnot. I've obviously had

678
00:30:52,360 --> 00:30:55,560
Speaker 3: the savings for a house being the main priority, but

679
00:30:55,920 --> 00:30:58,960
Speaker 3: once that's done, I really need to probably branch out

680
00:30:58,960 --> 00:31:00,520
Speaker 3: and think about it a bit more.

681
00:31:00,640 --> 00:31:03,080
Speaker 1: I love that. All right, Well, it doesn't seem like

682
00:31:03,120 --> 00:31:05,840
Speaker 1: you're that far off an A plus money Dorris. I

683
00:31:05,880 --> 00:31:08,520
Speaker 1: have loved this conversation. I feel like it's been an

684
00:31:08,560 --> 00:31:12,080
Speaker 1: empowering chat. I hope that everyone listening is kind of like, yeah,

685
00:31:12,200 --> 00:31:14,920
Speaker 1: I love this for you, and they kind of see

686
00:31:14,960 --> 00:31:18,360
Speaker 1: that choice to not have children slightly differently, and maybe

687
00:31:18,400 --> 00:31:21,280
Speaker 1: if everyone in the Shees on the Money community goes,

688
00:31:21,400 --> 00:31:23,600
Speaker 1: you know what we're gonna actively never have a thing

689
00:31:23,680 --> 00:31:26,560
Speaker 1: to say about anybody who chooses not to have children,

690
00:31:26,680 --> 00:31:29,320
Speaker 1: because you also don't know if it's a choice. Like

691
00:31:29,440 --> 00:31:32,920
Speaker 1: I have a few girlfriends who have the hand has

692
00:31:33,040 --> 00:31:35,880
Speaker 1: kind of been forced because of fertility issues, and now

693
00:31:35,920 --> 00:31:38,240
Speaker 1: they will say, yeah, yeah, we're choosing a child free

694
00:31:38,280 --> 00:31:42,280
Speaker 1: life and it's a choice, but it wasn't really a choice,

695
00:31:42,360 --> 00:31:44,320
Speaker 1: and I feel like that's none of your damn business.

696
00:31:44,680 --> 00:31:48,400
Speaker 3: Yeah. Absolutely, and that's the the hardest part. But do

697
00:31:48,440 --> 00:31:50,480
Speaker 3: we need to stop having that when you're having kids

698
00:31:50,560 --> 00:31:52,640
Speaker 3: conversation because it is it can be really triggering.

699
00:31:52,920 --> 00:31:55,520
Speaker 1: Get in the bin, all right, Well money, Doris, Thank

700
00:31:55,520 --> 00:31:58,440
Speaker 1: you so much. It has been an absolute pleasure, and

701
00:31:58,520 --> 00:32:00,760
Speaker 1: I know that our community is going to eat this

702
00:32:00,800 --> 00:32:03,880
Speaker 1: one up, so I really appreciate your willingness to share.

703
00:32:04,080 --> 00:32:05,280
Speaker 3: Thank you so much. Appreciate it.

704
00:32:11,320 --> 00:32:13,880
Speaker 5: The advice shared on She's on the Money is general

705
00:32:13,920 --> 00:32:15,120
Speaker 5: in nature and does not.

706
00:32:15,200 --> 00:32:17,160
Speaker 1: Consider your individual circumstances.

707
00:32:17,520 --> 00:32:20,920
Speaker 5: She's on the Money exists purely for educational purposes and

708
00:32:20,960 --> 00:32:23,400
Speaker 5: should not be relied upon to make an investment or

709
00:32:23,480 --> 00:32:24,480
Speaker 5: financial decision.

710
00:32:24,880 --> 00:32:27,480
Speaker 1: If you do choose to buy a financial product.

711
00:32:27,160 --> 00:32:30,600
Speaker 5: Read the PDS TMD and obtain appropriate financial.

712
00:32:30,280 --> 00:32:32,080
Speaker 1: Advice tailored towards your needs.

713
00:32:32,440 --> 00:32:36,400
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

714
00:32:36,400 --> 00:32:40,520
Speaker 5: of money sheirper Pty Ltd ABN three two one six

715
00:32:40,600 --> 00:32:44,440
Speaker 5: four nine two seven seven zero eight AFSL four five

716
00:32:44,600 --> 00:32:50,640
Speaker 5: one two eight nine