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Speaker 1: She's on the Money. She's on the Money.

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

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Speaker 2: for millennials who want financial freedom. Welcome back to another

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Speaker 2: one of our Friday Drinks episodes where we remotely celebrate

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Speaker 2: the money wins and successes from our She's on.

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Speaker 3: The Money community.

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Speaker 2: We know that there is always so many great wins

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Speaker 2: in the community, and we talk about them each and

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Speaker 2: every single week in the team, so it only seems

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Speaker 2: fair to let you in on the conversation. This week,

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Speaker 2: I am only joined by Tony and Ryan.

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Speaker 4: Hi.

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Speaker 2: Friends, it's not it's not offensive, but Jess and Georgia

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Speaker 2: they were too busy for us.

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Speaker 3: Rude if you ask me.

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Speaker 5: I mean, there's just so much going on in Lockdown

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Speaker 5: that I understand why they're.

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Speaker 6: So busy, busy out and about living their best lives

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Speaker 6: running around down errands.

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Speaker 2: But we got the good ones, didn't we. It's true,

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Speaker 2: you guys are lucky. So let's jump straight in. Tony,

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Speaker 2: what was this week's money diary like?

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Speaker 5: So, we chatted with a young girl who's twenty two

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Speaker 5: and unfortunately her dad passed away quite suddenly, and she's

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Speaker 5: found out that she and her brother are about to

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Speaker 5: inherit one point five million dollars wo, so a crazy

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Speaker 5: amount of money, and she was kind of chatting about

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Speaker 5: how that's affected how she's feeling about money, and that

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Speaker 5: she's recently lost her job and stood up with her boyfriend,

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Speaker 5: so she's gone through heaps of life changes and she's

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Speaker 5: still super positive about where she wants to be and

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Speaker 5: what she wants to do. So it was quite a

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Speaker 5: cool money diary and a bit of a bit of

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Speaker 5: a different one talking about inheritance.

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Speaker 2: So and I loved her mindset as well. I just

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Speaker 2: thought that she was so positive having gone through so

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Speaker 2: many negative things. It was wild and also, I guess

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Speaker 2: kind of not funny. Funny is not the right word

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Speaker 2: to use here, but as a financial advisor, I talk

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Speaker 2: about money all the time, and I talk about you know,

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Speaker 2: life insurance.

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Speaker 3: Payouts and what that looks like.

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Speaker 2: And her and her brother were like, oh my gosh, wow,

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Speaker 2: like after it happened, like what happens if dad has

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Speaker 2: one hundred thousand dollars that comes to us, And they

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Speaker 2: thought that that would have been a lot. To then

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Speaker 2: find out it was one point five million dollars would

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Speaker 2: have been absolutely shocking, But is also a conversation that

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Speaker 2: I just feel like in a family you should have had,

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Speaker 2: Like I just feel like we should know what that

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Speaker 2: looks like. But that again personal opinion, And obviously she

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Speaker 2: wasn't as close with her dad and there was a

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Speaker 2: lot going on. But at the same time, like, that's

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Speaker 2: a lot of money to just come into with absolutely

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Speaker 2: no kind of warning.

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Speaker 6: Yeah, I think would a lot of us would hear

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Speaker 6: I suddenly came into this money and be like, oh

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Speaker 6: my god, this would be life changing.

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Speaker 4: But you obviously deal with this a lot.

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Speaker 6: Is there also like a st I don't know, guilt

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Speaker 6: or weirdness or obviously a bit more of that in

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Speaker 6: the episode, but just in general, is that a common trait?

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Speaker 2: Massive guilty is something that I work a lot on

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Speaker 2: with my clients. It is a very very big part

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Speaker 2: of inheritance or even just coming into a very large

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Speaker 2: sum of money. I feel like people just want to

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Speaker 2: do the right thing by it an honor the person

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Speaker 2: that it came from. But at the same time they

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Speaker 2: don't want to do quote, the wrong thing. So there's

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Speaker 2: a lot of guilt, a lot of pressure, a lot

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Speaker 2: of you know, direction from people who are surrounding them

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Speaker 2: that might not be the right thing for them, and

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Speaker 2: you just don't know who to seek for advice, and

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Speaker 2: you're really really terrified of making the wrong decisions. So, yes,

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Speaker 2: guilt is massive, but I think it's one of those

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Speaker 2: things where we shouldn't feel guilty about these things because

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Speaker 2: that's what that person would have wanted for you, Like,

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Speaker 2: it's the next best thing to having them there is

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Speaker 2: having them be able to financially look after you.

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Speaker 4: Yeah. Yeah, that's a really good way of looking at it.

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Speaker 4: So the deep die of this week.

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Speaker 2: It was a good It was actually definitely not what

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Speaker 2: anybody expected from the topic we were talking about. So

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Speaker 2: we were talking about retirement this week, and it kind

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Speaker 2: of went off track with me ranting about financial freedom

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Speaker 2: and what it means to create retirement and when we

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Speaker 2: can retire and how we can retire, and it was

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Speaker 2: I think a fun episode, mainly because I love talking

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Speaker 2: about investing and creating financial freedom and building up to

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Speaker 2: having a passive income so that you no longer have

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Speaker 2: to work. So I guess just breaking down the semantics

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Speaker 2: of that, like what does it mean, what does it

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Speaker 2: mean to invest more in your super when can you

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Speaker 2: access that? What is a pension. How much is a pension?

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Speaker 2: How much money do we actually need to save for retirement?

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Speaker 3: I feel like we covered.

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Speaker 2: A lot, but it was also at the same time

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Speaker 2: a really colorful conversation about what that means.

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Speaker 5: It was a really empowering one to listen to because

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Speaker 5: I'm twenty seven at the moment, so there's no part

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Speaker 5: of my brain that's thinking about retirement, and I think

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Speaker 5: just to know the things that I can actually do

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Speaker 5: that I'm going to make that much of a difference

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Speaker 5: to my life now, but that can really influence the

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Speaker 5: way that I live in the future. And I think

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Speaker 5: it's just one of those great opportunities that you, Victoria

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Speaker 5: have used to share how you can be empowered by

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Speaker 5: knowledge and how making little changes can fully change your life,

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Speaker 5: which is awesome.

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Speaker 2: Yay, Well, I loved that episode. So moving on from

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Speaker 2: the episodes this week to the community, Ryan John, what

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Speaker 2: are our community money wins of the week?

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Speaker 4: All right, now, Jess, not our jests, A different Jess.

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Speaker 3: She has said didn't come today.

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Speaker 4: She didn't turn up. She's manifesting Facebook marketplace wins.

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Speaker 2: But it's probably what she's doing that is arguably more

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Speaker 2: than another jest.

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Speaker 6: I'm going to leave this one to the end, but

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Speaker 6: let me just read out this line. Victoria, You're gonna

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Speaker 6: love this. This is the best win you will ever hear.

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Speaker 6: It is made for you.

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Speaker 2: Oh my gosh, I know what it's about. I haven't

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Speaker 2: read it, but it's probably pets, oat milk or anything vegan.

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Speaker 6: No, but when you hear it, you'll be You'll go, yeah,

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Speaker 6: I agree with you. But we'll get to that in

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Speaker 6: a second. Now, this is one of my favorites. Maybe

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Speaker 6: not the biggest financial win, but probably one of the

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Speaker 6: more fun money wins I've ever read since I've been working.

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Speaker 4: Yeah, it is money.

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Speaker 3: Wind has big shoes to fill.

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Speaker 6: Prentisia says, wearing a mask all day means I only

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Speaker 6: need to put makeup on the top half of my face, Queen,

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Speaker 6: so I'm using less product and saving an absolute fortune.

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Speaker 4: I'm only wearing makeup from the nose up.

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Speaker 3: I'm working from home and wearing non.

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Speaker 4: Alright. Osti says, I'm a single mum.

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Speaker 6: I've got three teenage children, and I've finally finished my

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Speaker 6: degree after five and a half years and a seven

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Speaker 6: week brack. I'm working this week as a fully paid teacher.

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Speaker 6: I am so proud of myself and.

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Speaker 4: That is huge.

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Speaker 6: And going through university whilst you've got three teenage children,

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Speaker 6: that is impressive.

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Speaker 3: What a legend. How exciting is that?

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Speaker 7: That's awesome.

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Speaker 6: Sierra also has an educational story. She's just started her

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Speaker 6: UNI degree, but she said money Win. I've now got

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Speaker 6: the student Amazon Prime discount and the student Spotify as well,

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Speaker 6: plus free bank accounts Student Moneywin.

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Speaker 5: Make sure you sign up to Student Edge as well

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Speaker 5: if you're in Australia. Is that still a thing Uni days?

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Speaker 3: Yeah?

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Speaker 2: Genius, and I'm pretty sure that through your university, Microsoft

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Speaker 2: give you the free Office Suite as well, which is

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Speaker 2: worth so much money, so get that.

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Speaker 7: And also Apple do student discounts as well. They've got

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Speaker 7: educational discounts.

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Speaker 3: Ryan John's are students that I'm a student.

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Speaker 4: This is fantastic.

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Speaker 7: That's all iPods.

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Speaker 4: Watch this space, need some new air pods.

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Speaker 3: Maybe we should ask Ryan to hook us up.

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Speaker 7: No, I want an iPod?

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Speaker 3: Okay do they still sell I hold it so? Well?

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Speaker 4: Hey, do you guys want to know something scary?

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Speaker 6: What if you guys, instead of buying an iPod when

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Speaker 6: they came out in two thousand and three, I know

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Speaker 6: we're going.

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Speaker 7: With our stone Actually, can you not tell me?

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Speaker 3: Tell us?

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Speaker 4: So they came out in about two thousand and three.

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Speaker 4: I think we're like six.

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Speaker 7: Hundred dollars so expensive.

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Speaker 6: So instead of spending six hundred dollars on the first

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Speaker 6: ever Apple iPod, if you instead put that six hundred

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Speaker 6: dollars into shares in Apple itself, the company instead of

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Speaker 6: the product, that would now be worth over eighty thousand

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Speaker 6: dollars from the original six hundred dollars.

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Speaker 2: In buy you a lot of iPods nowadays, you're like

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Speaker 2: four nice gratification if I heard of it.

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Speaker 6: But I'll put a thread in the Facebook group if

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Speaker 6: anyone wants to use me as a student discount.

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Speaker 4: Just put a list below.

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Speaker 7: Yeah, I love that.

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Speaker 4: I'll go through.

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Speaker 6: You know we've stumbled upon this, so I'm going to

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Speaker 6: skip forward to the greatest money we in according to

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Speaker 6: Jess herself, because it's sort of related to what we're

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Speaker 6: talking about. I'm on Jess, She says, Victoria, You're gonna

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Speaker 6: love this. It involves both skincare okay and investing.

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Speaker 2: Oh yeah, I can't even believe I didn't suggest skincare earlier.

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Speaker 3: Who am I?

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Speaker 7: Both those things to mind on our money podcast.

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Speaker 3: I'm not even that into investing.

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Speaker 6: For a few years now, I've owned shares in Suken.

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Speaker 6: Have I pronounced that right? Yeah, perfectly, because I love

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Speaker 6: their products and I also really respect their company values.

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Speaker 6: And as a shareholder, you also get a unique discount

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Speaker 6: code to use whenever you make a purchase on their website.

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Speaker 6: Side note, it's actually the best performing stock I've ever

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Speaker 6: bought into, and my dad is still super proud and

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Speaker 6: impressed with me. So last week I ran out of

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Speaker 6: moisturizer and I had a look on their website. There

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Speaker 6: was a sale on the website, so I asked my

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Speaker 6: whole family what they wanted. So I used the sale

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Speaker 6: discount plus my investors discount and got over three hundred

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Speaker 6: dollars worth of soup and products for a hundred bucks.

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Speaker 3: Got some money, whin.

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Speaker 6: That's like, guys, someone's a financial god.

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Speaker 7: You're so good at money.

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Speaker 4: Awards.

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Speaker 3: I can teach you later.

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Speaker 6: But it's actually the concept of, well, if this is

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Speaker 6: popular and everyone's enjoying it, that's got to growing customer base.

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Speaker 6: Maybe that is worth a consideration of your investment. Obviously,

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Speaker 6: we can't recommend specific things, but that's worked.

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Speaker 4: Out really good. Ryan. Ryan recommends that I'm not a

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Speaker 4: financial advizz. I'm not buoyed by anything. Get into it, folks.

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Speaker 3: She's a good idea, according to Ryan John.

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Speaker 4: Yeah all right.

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Speaker 6: Artie is of Indian descent, and she said that they

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Speaker 6: had racky and sorry if I have pronounced that wrong,

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Speaker 6: it's akh i, which is an Indian tradition with her family,

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Speaker 6: and cure, which is really nice. She said, what happens

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Speaker 6: with the females in the family is we tie these

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Speaker 6: anti bits of string, all these little bands onto our

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Speaker 6: brother's wrists, and that's our way of showing that we

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Speaker 6: love them as part of this consition. But she said,

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Speaker 6: the way for the brothers to show the sisters they

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Speaker 6: love them is to give them money.

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Speaker 7: Is being a.

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Speaker 4: Woman, I know, right, I mean, Ryan, you've never.

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Speaker 7: Given us any money.

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Speaker 3: I'll give you a piece of string if you pay me.

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Speaker 6: Thank you, all right. I'll keep that in mind as

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Speaker 6: an investment option for my future. But Artie said, the

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Speaker 6: good thing is she has six brothers. She said, in

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Speaker 6: exchange for six pieces of string, I'm one hundred and

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Speaker 6: thirty pounds richer, and I'm calling it.

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Speaker 4: The sister tack.

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Speaker 6: So I'm just wondering around my brother's place with my

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Speaker 6: handout collecting for racky.

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Speaker 4: So well done.

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Speaker 3: She's a genius.

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Speaker 6: She's a genius. Quick one from Amy. She asked her

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Speaker 6: boss for a pay rise of twenty two percent and

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Speaker 6: he said sure. She said, oh sure, sure, just take it.

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Speaker 7: Wow, congratulations, well.

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Speaker 4: Done, Amy.

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Speaker 2: Hold up, Amy, we need some more context. How did

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Speaker 2: you do it? Because they're are a lot of us

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Speaker 2: who want a twenty two pay increase.

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Speaker 6: Well, I'll reply to her in the comments in the

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Speaker 6: Facebook group and yeah, if you've got any insights, Amy.

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Speaker 6: But I think if there's one thing that is the

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Speaker 6: case for everyone, if you don't ask, you probably won't get.

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Speaker 6: So even if you had to said no, at least

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Speaker 6: you find out. Hannah said, I did some gardening recently

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Speaker 6: and I trimmed these massive cac die that I have

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Speaker 6: outside of my house, which.

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Speaker 4: Actually look phenomenal.

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Speaker 6: I didn't realize that suburban Australia just had huge cactuses

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Speaker 6: out the front.

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Speaker 3: But if you edit that's not out, Tony, You're going

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Speaker 3: to be in a hole.

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Speaker 4: Tony is like losing what's going on to I just do?

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Speaker 5: He said, I can't believe that in suburban Australia we

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Speaker 5: have cactuses like Okay.

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Speaker 6: Why I just haven't seen many cactuses on the side

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Speaker 6: of the rye. Sorry cack die well anyway, Oh, the

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Speaker 6: grammar police are into I heaven't forbid all right. Well,

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Speaker 6: Hannah said that she cut the cuttings off, that you

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Speaker 6: need to give him a trim. She sold the cuttings

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Speaker 6: for four hundred dollars on Facebook marketplace. And what's crazy

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Speaker 6: about this is she obviously still has the diet. They

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Speaker 6: were just off cuts.

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Speaker 7: I could be sitting on four hundred dollars in my

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Speaker 7: back garden.

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Speaker 4: Guys, You're definitely not.

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Speaker 3: How do you know I probably wouldn't be sitting on it.

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Speaker 3: It's a cactus.

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Speaker 6: All our final money win is Ashley and I love this. Actually,

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Speaker 6: I signed up for a seven day free trial with

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Speaker 6: a new Paramount Plus streaming service. I don't know if

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Speaker 6: anyone else has seen a lot of those ads around

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Speaker 6: at the moment.

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Speaker 5: Paramount Plus they advertised it a lot during the Olympics,

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Speaker 5: so I never watched free to air TV ever because

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Speaker 5: I'm a millennial, and during the Olympics, so the only

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Speaker 5: time I'm ever going to watch TV every four years,

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Speaker 5: and they were advertising a Heaps that and this Woolworths

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Speaker 5: at that had this like really catchy jingle.

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Speaker 2: Was like, I've always seen that, but I absolutely hadn't

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Speaker 2: considered it because I'm like a Netflix gal through and

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Speaker 2: through and it's not like they're going to advertise paramount

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Speaker 2: on Netflix exactly true.

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Speaker 6: I just keep thinking, how many can we have? How

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Speaker 6: many streaming services can we pay for it?

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Speaker 4: I can't afford this well, Ashley said.

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Speaker 6: I got the seven day free trial because I really

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Speaker 6: wanted to watch this new film that I wanted sea

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Speaker 6: called Infinite. After watching the film, I really enjoyed it,

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Speaker 6: realized there was nothing else I wanted to watch. Canceled

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Speaker 6: at the same day, didn't pay a CET and got

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Speaker 6: a free movie.

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Speaker 7: Jeanie, that's so smart, right?

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Speaker 4: Can I give you a business pitch real quick?

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Speaker 3: Yes?

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Speaker 6: Of course it probably exists, but it's an app that

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Speaker 6: gives you notifications to say, hey, your free trials about

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Speaker 6: to end. If you don't want to pay, press this button.

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Speaker 7: Well you okay, get reminded.

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Speaker 3: I was literally going to say, is that not what

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Speaker 3: you could put our friends? Get reminded of that?

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Speaker 6: To useful Ryan Get reminded one of the great websites

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Speaker 6: and great partners. If she's on the money, go check

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Speaker 6: them out.

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Speaker 5: Another great thing to invest money. And don't know if

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Speaker 5: they're public but.

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Speaker 2: Public, but when they are, you just believe they're going

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Speaker 2: to save me a lot of money.

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Speaker 7: And we're going to be able to buy so many iPods.

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Speaker 3: Oh my gosh, we are because they're going to be

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Speaker 3: remind and did to buy.

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Speaker 2: But talking about ads to completely derail this topical this

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Speaker 2: week the Quantus ad who's seen it?

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Speaker 7: I won't watch it? You won't watch it?

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Speaker 5: No, because I cry all the time whenever I watched

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Speaker 5: free to air TV.

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Speaker 7: All the ads make me cry.

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Speaker 5: Last night sat on the couch and thought, I'm going

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Speaker 5: to watch that Quantus at and then I thought, you

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Speaker 5: know what, I don't think my mental health can take

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Speaker 5: that at the moment.

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Speaker 6: Yeah, I'm on the edge of mental health and I'm like,

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Speaker 6: why would I push myself off?

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Speaker 4: Yeah.

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Speaker 2: So it turns out I'm the only one that's cried

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Speaker 2: to this week. Welcome it's a pro vaccination about coming

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Speaker 2: together and.

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Speaker 3: It was all just a little bit much for me yesterday.

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Speaker 6: They've also come out and said, yeah, if you get vaccinated,

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Speaker 6: we can give you like some extra Quantus points or

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Speaker 6: some flight credits, and I'm like, hey, cool, Like I

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Speaker 6: get it, but also like, flights are the last thing

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Speaker 6: on my mind right now.

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Speaker 3: It's not the last thing on their mind.

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Speaker 2: Their stock price will plummet if you don't start caring

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Speaker 2: about them.

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Speaker 4: But I get My whole point is I just want

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Speaker 4: to be able to go down the street.

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Speaker 6: The thought of flying to another state at this stage

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Speaker 6: is just so far in the future.

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Speaker 4: It just it's hard to really fathom.

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Speaker 3: That's why they're trying to stay relevant.

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Speaker 4: Ryan. Yeah, yeah, I mean good for them.

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Speaker 5: And they're priming us with emotion, getting us while we're

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Speaker 5: down right now, and then in the future when we

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Speaker 5: are able to fly again, we'll be like remember that

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Speaker 5: really beautiful ad that we watched what we were in lockdown?

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Speaker 2: Yeah, Well, did you actually know that you can donate

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Speaker 2: your concous points if you're not going to use them

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Speaker 2: at miles for migrants. I don't know if you guys

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Speaker 2: have seen that, but if you're not using your Quantus points,

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Speaker 2: you can donate it to Afghanistan to get people out

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Speaker 2: of the country, which I think is epic because not

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Speaker 2: all of us have cash at the moment to donate.

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Speaker 2: You can actually donate those contous points you're not using,

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Speaker 2: Ryan John.

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Speaker 6: All right, well, now I feel really bad for everything

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Speaker 6: I've just said. But what I will do because I

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Speaker 6: do have a lot of quantus.

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Speaker 2: Points flex if ever I heard it?

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Speaker 7: Have you got a few quantus points?

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Speaker 2: Well?

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Speaker 6: I used to travel to Perth every third week. Yes,

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Speaker 6: I do have a lot of points, and I haven't

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Speaker 6: been able to use them because we haven't flown anywhere

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Speaker 6: for such a long time.

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Speaker 7: So now that's a really nice initiative.

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Speaker 6: No, that's good because I can do something like I'm

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Speaker 6: literally sitting on these points with like they're kind of useless.

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Speaker 4: So now they're the opposite of useless, really, aren't they right?

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Speaker 3: They're actually really cool.

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Speaker 2: I think they're really fun. And it's not just conscious

386
00:17:20,840 --> 00:17:22,920
Speaker 2: points you can donate. You can donate pretty much any

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Speaker 2: Airlines points to them so that they can use them,

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Speaker 2: which I think is epic.

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Speaker 6: So I just found the website. It is milesfomigarants dot org.

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Speaker 6: So go and check that out. I know I will

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Speaker 6: be up next. I've got a quiz for you guys,

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Speaker 6: and also a quiz for people listening to play along

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00:17:37,400 --> 00:17:40,400
Speaker 6: too as well. It is called the what do Australians

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Speaker 6: do when they win the Lotto Quiz?

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Speaker 4: Oh? I love that.

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Speaker 3: Let's go all right, Ryan?

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Speaker 2: You promised Tony and I a quiz about what Australians

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Speaker 2: do with their lotto winnings.

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Speaker 3: Can we please play?

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Speaker 6: Absolutely, They've surveyed only the people who have won Division one,

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00:18:01,000 --> 00:18:03,680
Speaker 6: so not like twenty dollars back.

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Speaker 4: Like a million dollar plus right up there. So I've

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Speaker 4: got a little quiz.

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00:18:07,440 --> 00:18:12,120
Speaker 6: But before we get into that, Victoria divine Ryan, if

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Speaker 6: you won the lotto.

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Speaker 3: Well, come on, you know the answer to this?

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Speaker 4: What would you do?

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00:18:16,880 --> 00:18:18,600
Speaker 3: I'd invest it? How much am I going to win?

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Speaker 4: Though, let's just say a million, just for fun.

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00:18:21,320 --> 00:18:23,080
Speaker 2: Just a million dollars? Yeah, I'd invest it.

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00:18:23,800 --> 00:18:26,919
Speaker 4: You invest it? Which would much change of your life

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00:18:27,119 --> 00:18:28,240
Speaker 4: or lifestyle? No?

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Speaker 2: I wouldn't change a thing if it was a million dollars,

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00:18:30,359 --> 00:18:31,240
Speaker 2: wouldn't change a thing.

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Speaker 3: And do you know why You've got to ask me why?

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Speaker 3: I come on now?

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Speaker 4: Why?

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Speaker 2: Because I'm only thirty and by the time that I've

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Speaker 2: reached what like, let's say sixty, which is average retirement age,

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Speaker 2: that one million dollars would be worth nearly five million.

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Speaker 2: So who's the real winner here? Because I have long

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Speaker 2: term gratification on my side.

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Speaker 4: Well, you just won the lotto, so no one was

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Speaker 4: gonna say you weren't the winner.

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Speaker 3: But that is a good, true, very true.

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Speaker 4: And what would you do with five million as a

427
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Speaker 4: sixty year.

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Speaker 3: Old retire with a really good income.

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Speaker 4: You'd hope.

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Speaker 3: So, yeah, you'd hope. So I feel like a million dollars.

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Speaker 2: It's kind of like I talk to people all the

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Speaker 2: time that come into that amount of money, and you

433
00:19:09,160 --> 00:19:11,000
Speaker 2: can do a lot with it if you invest it,

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00:19:11,080 --> 00:19:13,600
Speaker 2: but if you go and purchase like a property or something,

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00:19:13,680 --> 00:19:15,879
Speaker 2: you're still stuck with a fair bit of debt that

436
00:19:15,920 --> 00:19:17,920
Speaker 2: you need to pay off, and like it doesn't actually

437
00:19:17,960 --> 00:19:19,679
Speaker 2: appreciate in the way that you would want it to.

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00:19:20,000 --> 00:19:20,359
Speaker 3: Anyway.

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00:19:20,400 --> 00:19:22,359
Speaker 2: I'm really dramatic when it comes to stuff like that,

440
00:19:22,400 --> 00:19:24,639
Speaker 2: But I would prefer to secure an income stream for

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Speaker 2: myself in perpetuity so forever, rather than just have a

442
00:19:28,560 --> 00:19:31,040
Speaker 2: million dollars today that I could absolutely blow and then

443
00:19:31,280 --> 00:19:33,880
Speaker 2: have to work. I want to put myself as soon

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Speaker 2: as possible in a position where I never have to

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Speaker 2: work again, and I'm not saying because I don't love

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Speaker 2: what I do I do, but like, how cool would

447
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Speaker 2: it be the day Tony I come to work and be.

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Speaker 3: Like, hey Tony, Hey, Ryan, I no.

449
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Speaker 2: Longer take an income because I don't need it. Like

450
00:19:46,960 --> 00:19:49,560
Speaker 2: how sick would that be to be able to donate

451
00:19:49,600 --> 00:19:51,720
Speaker 2: it or do something more constructive with it.

452
00:19:51,600 --> 00:19:53,160
Speaker 3: Than pay my bills.

453
00:19:54,680 --> 00:19:57,640
Speaker 6: Well, I regret asking Victoria before Tony because I feel

454
00:19:57,680 --> 00:19:59,679
Speaker 6: like that was a very sensible, logical answer.

455
00:20:00,119 --> 00:20:02,520
Speaker 4: But you will always for me.

456
00:20:02,800 --> 00:20:04,480
Speaker 3: Tony also division.

457
00:20:05,480 --> 00:20:07,680
Speaker 4: Because she doesn't have the freedom to go on it

458
00:20:07,800 --> 00:20:08,159
Speaker 4: works for.

459
00:20:08,200 --> 00:20:08,920
Speaker 3: She's on the money.

460
00:20:08,920 --> 00:20:11,240
Speaker 2: Because you best believe the second she walks into work

461
00:20:11,240 --> 00:20:12,720
Speaker 2: and says I've won a million dollars, I'll be like,

462
00:20:12,760 --> 00:20:15,080
Speaker 2: sit down, See.

463
00:20:14,840 --> 00:20:15,959
Speaker 7: That's what I think.

464
00:20:16,280 --> 00:20:20,440
Speaker 5: A million dollars actually isn't that much money nowadays.

465
00:20:20,560 --> 00:20:22,600
Speaker 3: I mean, it's life changing, but it's not.

466
00:20:23,000 --> 00:20:25,880
Speaker 5: Yeah, it's life changing, like in the way that, yes,

467
00:20:25,960 --> 00:20:28,320
Speaker 5: it would give you so much freedom to invest it

468
00:20:28,560 --> 00:20:29,080
Speaker 5: or whatever.

469
00:20:30,280 --> 00:20:32,359
Speaker 7: But if you could see that money then in the future,

470
00:20:32,400 --> 00:20:33,760
Speaker 7: I think that is the best option.

471
00:20:33,840 --> 00:20:35,880
Speaker 5: But I mean, if you're talking that I've just won

472
00:20:36,320 --> 00:20:39,760
Speaker 5: eighty million dollars, then you best a different story. Yeah,

473
00:20:39,840 --> 00:20:41,720
Speaker 5: you best believe I'm going to go and get myself

474
00:20:41,720 --> 00:20:44,560
Speaker 5: a brain new car. The thing that I've always said

475
00:20:44,640 --> 00:20:46,639
Speaker 5: that if I ever won Lotto or was like a

476
00:20:46,640 --> 00:20:50,399
Speaker 5: billion air, I would get fresh flowers sent to me

477
00:20:50,560 --> 00:20:52,040
Speaker 5: and all my friends every week.

478
00:20:52,160 --> 00:20:56,960
Speaker 2: Oh my gosh, I love that because I love fresh flowers.

479
00:20:56,960 --> 00:20:58,439
Speaker 7: They're my favorite thing in the world.

480
00:20:58,520 --> 00:21:01,439
Speaker 2: You absolutely could afford that, because I'm assuming before you

481
00:21:01,480 --> 00:21:04,040
Speaker 2: set up that fresh flour delivery, you're gonna come and

482
00:21:04,080 --> 00:21:06,560
Speaker 2: see me, because I would be your self appointed financial

483
00:21:06,560 --> 00:21:08,520
Speaker 2: advisor obviously, and then.

484
00:21:08,680 --> 00:21:12,360
Speaker 7: You want to cut my eighty meal exactly basically, and.

485
00:21:12,320 --> 00:21:14,800
Speaker 2: Then I would take that entire eighty million dollars and

486
00:21:14,920 --> 00:21:18,280
Speaker 2: invest it, obviously conservatively, so we're only looking at like

487
00:21:18,400 --> 00:21:20,639
Speaker 2: five percent return because like we don't want to be

488
00:21:20,680 --> 00:21:22,959
Speaker 2: too wild. And once you have wealth, the point of

489
00:21:23,000 --> 00:21:25,719
Speaker 2: having wealth is actually keeping it, not being risky with it.

490
00:21:25,840 --> 00:21:29,000
Speaker 2: So you're still with me, Tony. We would create an

491
00:21:29,000 --> 00:21:30,919
Speaker 2: income stream for you each and every single year of

492
00:21:30,960 --> 00:21:32,760
Speaker 2: four million dollars and then it would be your job

493
00:21:32,760 --> 00:21:34,840
Speaker 2: to spend that and it would never go away, like

494
00:21:34,880 --> 00:21:36,400
Speaker 2: that would exist forever.

495
00:21:36,880 --> 00:21:38,560
Speaker 7: Okay, well, that's so many flowers.

496
00:21:38,680 --> 00:21:40,280
Speaker 4: That's so many flowers.

497
00:21:40,480 --> 00:21:42,600
Speaker 2: See, Like, let me set you up at the start,

498
00:21:42,720 --> 00:21:44,120
Speaker 2: and then you go buy your flowers.

499
00:21:44,160 --> 00:21:44,880
Speaker 3: Because that's fine.

500
00:21:44,880 --> 00:21:47,600
Speaker 2: I'll let you blow literally four million dollars a year

501
00:21:47,800 --> 00:21:49,840
Speaker 2: as long as you don't eat into that eighty million

502
00:21:49,840 --> 00:21:50,800
Speaker 2: dollars and we're all good.

503
00:21:51,000 --> 00:21:51,640
Speaker 3: We're all good.

504
00:21:51,640 --> 00:21:52,680
Speaker 7: Great, that's a great deal.

505
00:21:52,880 --> 00:21:54,480
Speaker 3: Don't say I don't do anything for it.

506
00:21:54,560 --> 00:21:56,800
Speaker 7: So where's the money? So someone giving me the eighty

507
00:21:56,840 --> 00:21:57,840
Speaker 7: million dollars.

508
00:21:57,520 --> 00:22:00,840
Speaker 3: You still got to win, so okay, yeah, but.

509
00:22:00,800 --> 00:22:02,760
Speaker 4: The chance pretty good, about one in four I think

510
00:22:02,800 --> 00:22:03,320
Speaker 4: for the winning.

511
00:22:03,640 --> 00:22:05,560
Speaker 3: Yeah, So Roan, why can't you tell us about some

512
00:22:05,720 --> 00:22:07,760
Speaker 3: my actual people who have won the lot of All?

513
00:22:07,880 --> 00:22:09,880
Speaker 4: Right, here it is. You guys have to both lock

514
00:22:09,920 --> 00:22:11,000
Speaker 4: in your answer before I.

515
00:22:10,960 --> 00:22:13,160
Speaker 3: Tell you what the queets the quiz. I'm ready.

516
00:22:13,400 --> 00:22:17,280
Speaker 6: What percentage do you guys think helped out friends or

517
00:22:17,359 --> 00:22:18,560
Speaker 6: family with money?

518
00:22:20,359 --> 00:22:21,120
Speaker 3: Sixty five?

519
00:22:21,520 --> 00:22:22,320
Speaker 4: Sixty five percent?

520
00:22:22,440 --> 00:22:24,000
Speaker 7: I reckon it's a lot. I reckon a lot of

521
00:22:24,040 --> 00:22:25,440
Speaker 7: people would Victoria.

522
00:22:26,320 --> 00:22:28,840
Speaker 3: I am going to say half.

523
00:22:29,359 --> 00:22:32,080
Speaker 6: The answer is fifty five percent, So Victoria is the

524
00:22:32,119 --> 00:22:32,960
Speaker 6: closest well done to.

525
00:22:33,400 --> 00:22:37,000
Speaker 3: But I do like that we think they are.

526
00:22:37,640 --> 00:22:40,160
Speaker 4: That's still pretty high, though, I think more than half.

527
00:22:40,040 --> 00:22:40,680
Speaker 3: More than half.

528
00:22:40,720 --> 00:22:45,520
Speaker 6: That's all right, What percentage do you think donated to

529
00:22:45,640 --> 00:22:49,280
Speaker 6: charity ten v fifteen?

530
00:22:49,720 --> 00:22:51,040
Speaker 4: Only eight percent?

531
00:22:51,920 --> 00:22:53,480
Speaker 7: Yeah, that's not that surprising.

532
00:22:53,520 --> 00:22:56,040
Speaker 6: I don't think I was really surprised when I saw that.

533
00:22:56,119 --> 00:22:57,919
Speaker 6: I assumed it'd be way high. And that's not all

534
00:22:57,960 --> 00:23:01,120
Speaker 6: of it, that's just some portion. Only eight percent donated

535
00:23:01,160 --> 00:23:01,679
Speaker 6: a portion.

536
00:23:02,040 --> 00:23:03,639
Speaker 4: How cool the winning? Do you know?

537
00:23:03,680 --> 00:23:06,119
Speaker 2: What is so cool about charity is that if you

538
00:23:06,240 --> 00:23:08,399
Speaker 2: have a significant amount of money that you want to

539
00:23:08,400 --> 00:23:10,679
Speaker 2: set up in exactly the same way as investing, you

540
00:23:10,720 --> 00:23:12,960
Speaker 2: can create some form of trust for a charity that

541
00:23:13,000 --> 00:23:16,720
Speaker 2: actually continually gives to that charity to create sustainability for them.

542
00:23:16,760 --> 00:23:19,560
Speaker 2: Instead of just being like, hey, here's a million dollars,

543
00:23:19,600 --> 00:23:21,480
Speaker 2: like someone passed away and we want it to go

544
00:23:21,520 --> 00:23:23,840
Speaker 2: to the greater goods, spend that million dollars, like you

545
00:23:23,840 --> 00:23:27,200
Speaker 2: can actually invest that million dollars or stipulate when donating

546
00:23:27,200 --> 00:23:29,679
Speaker 2: it that it needs to be invested in perpetuity so

547
00:23:29,760 --> 00:23:32,639
Speaker 2: that you actually create a fund for them so that

548
00:23:32,720 --> 00:23:35,560
Speaker 2: they create sustainability. And I think that that is really

549
00:23:35,560 --> 00:23:37,359
Speaker 2: cool and something that a lot of people don't know.

550
00:23:37,400 --> 00:23:41,239
Speaker 5: Even the fact that donations are often tax deductible over

551
00:23:41,280 --> 00:23:44,000
Speaker 5: a certain amount, and yeah they are, so it actually,

552
00:23:44,119 --> 00:23:46,160
Speaker 5: you know, you get a little bit of money back,

553
00:23:46,520 --> 00:23:47,919
Speaker 5: you get to feel good about it.

554
00:23:48,119 --> 00:23:52,560
Speaker 6: Everyone's went not seeing Yes, what percentage of people either

555
00:23:52,680 --> 00:23:56,840
Speaker 6: change jobs or put themselves down to like part time

556
00:23:56,960 --> 00:24:04,640
Speaker 6: or adjusted their job eighty Victoria, Oh, fifty fifty because

557
00:24:04,720 --> 00:24:07,440
Speaker 6: I thought that would be high, because yeah, maybe if

558
00:24:07,440 --> 00:24:09,760
Speaker 6: you don't have to work hard for that extra bit,

559
00:24:09,760 --> 00:24:12,160
Speaker 6: you might do a job that maybe means a bit

560
00:24:12,200 --> 00:24:14,840
Speaker 6: more to you rather than pays you more or gives

561
00:24:14,840 --> 00:24:19,560
Speaker 6: you those kind of options. Surprisingly, only five percent change

562
00:24:19,640 --> 00:24:21,280
Speaker 6: jobs or reduce their hours.

563
00:24:21,600 --> 00:24:23,040
Speaker 3: No, are you joking?

564
00:24:23,160 --> 00:24:25,760
Speaker 2: Five percent? Where are you getting your research from? I'm

565
00:24:25,800 --> 00:24:27,920
Speaker 2: starting to doubt it validity there?

566
00:24:28,400 --> 00:24:30,639
Speaker 4: The article is online at news dot com dot are

567
00:24:30,680 --> 00:24:31,600
Speaker 4: you where I read this? Oh?

568
00:24:31,680 --> 00:24:33,680
Speaker 7: Yeah, advocates.

569
00:24:34,920 --> 00:24:39,800
Speaker 4: Two advocate Finance department. All right, here is a multiple choice.

570
00:24:40,119 --> 00:24:43,760
Speaker 6: Which was the highest category, as like, the highest percent

571
00:24:43,800 --> 00:24:47,240
Speaker 6: of these people putting money into their current or future house.

572
00:24:47,320 --> 00:24:49,920
Speaker 6: And by that I mean paying off either the mortgage

573
00:24:49,920 --> 00:24:51,600
Speaker 6: that they've got or using the money to buy a

574
00:24:51,640 --> 00:24:52,400
Speaker 6: house for themselves.

575
00:24:52,440 --> 00:24:57,960
Speaker 4: So that's category one. Property. The next category is investments, well.

576
00:24:57,800 --> 00:25:02,880
Speaker 2: Like investment property or just investment.

577
00:25:01,320 --> 00:25:03,760
Speaker 6: Just said investments anyway that they can put money into

578
00:25:03,800 --> 00:25:05,800
Speaker 6: something that will pay off a dividends in the future.

579
00:25:06,560 --> 00:25:09,240
Speaker 6: And the third category is a new car. So which

580
00:25:09,280 --> 00:25:10,560
Speaker 6: do you think was the most popular?

581
00:25:10,960 --> 00:25:13,320
Speaker 7: See the Carny's.

582
00:25:12,400 --> 00:25:14,040
Speaker 4: Saying car Victoria.

583
00:25:13,640 --> 00:25:18,119
Speaker 6: Device, I'm also saying car, the new car. Eleven percent

584
00:25:18,119 --> 00:25:21,280
Speaker 6: of people bought a new car. What forty one put

585
00:25:21,280 --> 00:25:25,520
Speaker 6: it into property, But sixty one percent got investments with

586
00:25:25,640 --> 00:25:28,399
Speaker 6: their winnings. And that was the highest thing that anyone did.

587
00:25:28,480 --> 00:25:30,080
Speaker 7: Do you know why I reckon that is?

588
00:25:30,119 --> 00:25:32,159
Speaker 4: Okay? So I was obviously right that she's on the

589
00:25:32,200 --> 00:25:33,159
Speaker 4: money about I.

590
00:25:33,119 --> 00:25:34,080
Speaker 7: Listened to She's on the money.

591
00:25:34,320 --> 00:25:38,000
Speaker 2: I am really doubtful of these statistics, just from anecdotal

592
00:25:38,040 --> 00:25:41,200
Speaker 2: evidence that I've collected over the last seven years, just saying,

593
00:25:42,000 --> 00:25:42,400
Speaker 2: do you.

594
00:25:42,400 --> 00:25:44,520
Speaker 5: Think though that it would be a lot of people

595
00:25:44,600 --> 00:25:46,800
Speaker 5: would invest and it would be the first time that

596
00:25:46,840 --> 00:25:50,560
Speaker 5: they did, because when people win that much money, it's

597
00:25:50,600 --> 00:25:52,160
Speaker 5: the first time they've ever.

598
00:25:52,040 --> 00:25:54,360
Speaker 7: Consulted with someone like a financial advice.

599
00:25:54,480 --> 00:25:57,240
Speaker 2: It's true, It's true, And I think that I maybe

600
00:25:57,240 --> 00:26:00,480
Speaker 2: being a little bit more negative because often I just

601
00:26:00,520 --> 00:26:04,080
Speaker 2: assume that people don't want to seek advice, and you know,

602
00:26:04,240 --> 00:26:06,040
Speaker 2: I'm a financial advisor and a lot of what I

603
00:26:06,080 --> 00:26:08,159
Speaker 2: do it's trying to break the stigma of what we do,

604
00:26:08,240 --> 00:26:11,119
Speaker 2: because what we actually do is really constructive. But I've

605
00:26:11,200 --> 00:26:14,119
Speaker 2: met so many people who don't want financial advisors to

606
00:26:14,160 --> 00:26:16,320
Speaker 2: help them on their wealth journey, even though they're going

607
00:26:16,320 --> 00:26:17,920
Speaker 2: to be significantly better off.

608
00:26:18,280 --> 00:26:19,280
Speaker 3: So I think that for me.

609
00:26:19,440 --> 00:26:22,239
Speaker 2: I just assumed that people wouldn't get advice. And you know,

610
00:26:22,640 --> 00:26:25,240
Speaker 2: I've dealt with people who have won money. I've dealt

611
00:26:25,280 --> 00:26:28,399
Speaker 2: with people who've won significant amounts of money, but I

612
00:26:28,440 --> 00:26:30,840
Speaker 2: assumed that was the minority.

613
00:26:30,400 --> 00:26:32,920
Speaker 3: Because you always see all of those stories.

614
00:26:32,480 --> 00:26:36,040
Speaker 2: Online about people blowing it, and like fifty percent of

615
00:26:36,080 --> 00:26:38,480
Speaker 2: people who get an inheritance blow it within the first

616
00:26:38,560 --> 00:26:41,159
Speaker 2: ten years, and all of those stories that I just

617
00:26:41,200 --> 00:26:42,679
Speaker 2: assumed it would be much less.

618
00:26:43,000 --> 00:26:45,639
Speaker 5: Yeah, I think as well, people think that investment is

619
00:26:45,760 --> 00:26:47,040
Speaker 5: for rich people, so.

620
00:26:47,000 --> 00:26:49,240
Speaker 7: They probably just don't even but they.

621
00:26:49,119 --> 00:26:51,160
Speaker 5: Just don't consider it an option until you know, they

622
00:26:51,200 --> 00:26:53,040
Speaker 5: win heaps of money, and then they don't even quit

623
00:26:53,040 --> 00:26:53,360
Speaker 5: their job.

624
00:26:53,400 --> 00:26:54,240
Speaker 7: They invest the money.

625
00:26:54,560 --> 00:26:56,919
Speaker 2: It's not and I think that that's I shared a

626
00:26:57,000 --> 00:26:59,240
Speaker 2: meme a really long time ago that said, if you

627
00:26:59,280 --> 00:27:01,959
Speaker 2: can't manage your income of forty thousand dollars, how on

628
00:27:01,960 --> 00:27:03,760
Speaker 2: earth are you're going to manage an income of four

629
00:27:03,840 --> 00:27:05,320
Speaker 2: hundred thousand dollars.

630
00:27:05,200 --> 00:27:06,960
Speaker 3: Which you know, I know that not all of.

631
00:27:06,920 --> 00:27:08,639
Speaker 2: Us are going to get to that point, Like ninety

632
00:27:08,720 --> 00:27:10,680
Speaker 2: nine point ninety five percent of people aren't going to

633
00:27:10,720 --> 00:27:13,040
Speaker 2: earn that amount of money in their lifetime per year,

634
00:27:13,080 --> 00:27:15,840
Speaker 2: And that's okay. But I just think that money management

635
00:27:15,880 --> 00:27:18,200
Speaker 2: starts at the base, and investing starts at the base.

636
00:27:18,240 --> 00:27:20,640
Speaker 2: And you know, the most important thing about a wealth

637
00:27:20,680 --> 00:27:24,240
Speaker 2: journey is not necessarily having money, but rather being educated

638
00:27:24,240 --> 00:27:27,320
Speaker 2: about what it takes to create it andred percent. I

639
00:27:27,480 --> 00:27:29,480
Speaker 2: just think that we need to take more control of

640
00:27:29,520 --> 00:27:32,359
Speaker 2: it because you can actually put yourself in a position

641
00:27:32,400 --> 00:27:34,959
Speaker 2: where you have a million dollars. And you know, Tony earlier,

642
00:27:35,000 --> 00:27:37,920
Speaker 2: we were asked by Ryan very kindly what we do

643
00:27:37,960 --> 00:27:40,600
Speaker 2: with a million dollars? But like, if I play my

644
00:27:40,720 --> 00:27:43,439
Speaker 2: cards right and I continue to invest and save in

645
00:27:43,480 --> 00:27:46,639
Speaker 2: the way that I am planning, guys, I don't mean

646
00:27:46,680 --> 00:27:48,560
Speaker 2: to be rude, but I'm gonna have a million dollars

647
00:27:48,560 --> 00:27:50,920
Speaker 2: by the time I invest at least. And like that's

648
00:27:50,960 --> 00:27:52,800
Speaker 2: really exciting, and we can all kind of win the

649
00:27:52,840 --> 00:27:53,879
Speaker 2: lotto by planning it.

650
00:27:54,040 --> 00:27:56,720
Speaker 3: Like it's not the lotter, it's more guaranteed than the lotto.

651
00:27:56,520 --> 00:27:59,000
Speaker 2: Because I'm pretty sure the stats of us winning are

652
00:27:59,000 --> 00:28:01,000
Speaker 2: like really really low.

653
00:28:01,280 --> 00:28:03,359
Speaker 4: Well I said one in four before, and I was

654
00:28:03,400 --> 00:28:04,080
Speaker 4: actually joking.

655
00:28:04,400 --> 00:28:06,960
Speaker 2: Yeah it's actually one in four. It's lack one in

656
00:28:07,000 --> 00:28:10,760
Speaker 2: a billion or something. Yeah, yeah, it's really really slim.

657
00:28:11,040 --> 00:28:13,399
Speaker 2: But the amount of people that lose money in the

658
00:28:13,400 --> 00:28:17,520
Speaker 2: share market over the long term, Tony, None, nobody does

659
00:28:17,560 --> 00:28:19,520
Speaker 2: if they invest for more than thirty years, which is

660
00:28:19,560 --> 00:28:21,879
Speaker 2: what we all have the opportunity to do if we

661
00:28:21,920 --> 00:28:25,840
Speaker 2: are investing right now. So yeah, that's my brag about investing.

662
00:28:25,880 --> 00:28:28,720
Speaker 2: You're welcome, thanks for coming to my dead talk on

663
00:28:28,760 --> 00:28:29,440
Speaker 2: the winning thing.

664
00:28:29,720 --> 00:28:30,840
Speaker 3: Taking it a step further.

665
00:28:31,000 --> 00:28:33,520
Speaker 2: You know how some people win houses, like you see

666
00:28:33,520 --> 00:28:36,320
Speaker 2: those things in your mailbox, like the RMH home lot

667
00:28:36,320 --> 00:28:38,120
Speaker 2: of Yeah, and that you can win a house and

668
00:28:38,160 --> 00:28:41,240
Speaker 2: like four hundred thousand dollars worth of gold. If anyone

669
00:28:41,360 --> 00:28:43,760
Speaker 2: has done that and one house, can they slide into

670
00:28:43,800 --> 00:28:45,200
Speaker 2: our dam? So I want your money diary?

671
00:28:45,520 --> 00:28:46,440
Speaker 4: Yeah, that would be awesome.

672
00:28:46,480 --> 00:28:48,040
Speaker 3: That would be a sick money diary.

673
00:28:48,320 --> 00:28:50,040
Speaker 4: Yes, have you won a house?

674
00:28:50,120 --> 00:28:50,720
Speaker 3: Have? Do you want a house?

675
00:28:50,760 --> 00:28:53,040
Speaker 2: Because they're always in the really bougie suburbs. And then

676
00:28:53,080 --> 00:28:54,560
Speaker 2: I want to know what you did with that four

677
00:28:54,600 --> 00:28:55,680
Speaker 2: hundred thousand dollars.

678
00:28:55,480 --> 00:28:56,080
Speaker 3: Worth of gold.

679
00:28:56,320 --> 00:28:58,160
Speaker 4: I never heard about the four hundred thousand dollars worth

680
00:28:58,200 --> 00:28:58,720
Speaker 4: of gold. Part.

681
00:28:59,040 --> 00:29:01,560
Speaker 7: Yeah, they do both. They give you a range drover

682
00:29:01,840 --> 00:29:02,400
Speaker 7: and if they.

683
00:29:02,320 --> 00:29:04,000
Speaker 2: Set you up in your new boogie suburb where you

684
00:29:04,040 --> 00:29:09,440
Speaker 2: probably can't afford the rates, it's great, it's true.

685
00:29:10,200 --> 00:29:11,960
Speaker 5: Well, Ryan, I know that you haven't won a house,

686
00:29:11,960 --> 00:29:13,680
Speaker 5: but I would love to know if you've ordered any

687
00:29:13,800 --> 00:29:16,600
Speaker 5: Uber eats for your accountability August challenge.

688
00:29:16,720 --> 00:29:18,600
Speaker 6: Well, you know I have because I said I did

689
00:29:18,600 --> 00:29:20,680
Speaker 6: for lunch earlier, which is offensive for you to bring up.

690
00:29:20,720 --> 00:29:23,200
Speaker 6: And I also I think maybe had it yesterday as well,

691
00:29:23,280 --> 00:29:28,800
Speaker 6: So I am not accountable to my in August. I

692
00:29:28,840 --> 00:29:31,280
Speaker 6: was failing last week. Lockdown's really done me. I mean,

693
00:29:31,320 --> 00:29:34,520
Speaker 6: I shouldn't blame lockdown. I've made the decisions, but Lockdown

694
00:29:34,600 --> 00:29:35,240
Speaker 6: has been tough.

695
00:29:35,280 --> 00:29:37,520
Speaker 3: I under Lockdown's done us all a dirty I'm.

696
00:29:37,400 --> 00:29:40,400
Speaker 6: Telling you, thank you. I appreciate that. I appreciate that. V.

697
00:29:40,920 --> 00:29:43,120
Speaker 6: How is your taking lunch to work when you work

698
00:29:43,120 --> 00:29:43,480
Speaker 6: from home?

699
00:29:43,680 --> 00:29:47,239
Speaker 2: I'm still working from home, not as well as it

700
00:29:47,280 --> 00:29:49,840
Speaker 2: could be. Yes, I am purchasing a lot of lunches

701
00:29:49,880 --> 00:29:53,040
Speaker 2: at the supermarket, but I might or might not have

702
00:29:53,200 --> 00:29:56,160
Speaker 2: done a h teky uber eats deliveries because there's nothing

703
00:29:56,240 --> 00:29:57,040
Speaker 2: like comfort food.

704
00:29:57,360 --> 00:29:59,560
Speaker 4: And is it true that you had licorice for lunch today?

705
00:30:00,120 --> 00:30:04,360
Speaker 7: Yes, yes, I get fine, No judgment, no.

706
00:30:04,360 --> 00:30:06,160
Speaker 4: Judgment, just wanted to get on on the record.

707
00:30:06,200 --> 00:30:08,640
Speaker 2: I told you that in confidence, but that is okay,

708
00:30:08,680 --> 00:30:11,040
Speaker 2: and I am confident that people who listen to this

709
00:30:11,120 --> 00:30:12,160
Speaker 2: podcast would.

710
00:30:12,000 --> 00:30:15,240
Speaker 3: Love to hear that I did indeed eat licuice for lunch.

711
00:30:15,320 --> 00:30:16,560
Speaker 3: But that is not the point.

712
00:30:17,040 --> 00:30:19,560
Speaker 2: I have done a few cheeky uber eats deliveries because

713
00:30:19,600 --> 00:30:21,960
Speaker 2: here in Melbourne, not only are we in lockdown, but

714
00:30:22,040 --> 00:30:22,880
Speaker 2: the weather's.

715
00:30:22,560 --> 00:30:24,520
Speaker 3: Been miserable recently, and so.

716
00:30:24,960 --> 00:30:28,560
Speaker 2: A big bowl of foe definitely goes really far when

717
00:30:28,640 --> 00:30:30,320
Speaker 2: it comes to lack one point thirty and you're like,

718
00:30:30,600 --> 00:30:32,280
Speaker 2: I really don't want to be at my desk.

719
00:30:32,400 --> 00:30:33,320
Speaker 3: I'm really flat.

720
00:30:33,600 --> 00:30:36,800
Speaker 2: Like something warming and a little bit of comfort food

721
00:30:36,920 --> 00:30:39,960
Speaker 2: for me goes a really long way, So I don't

722
00:30:40,000 --> 00:30:42,080
Speaker 2: feel bad about it. But also I have fallen off

723
00:30:42,080 --> 00:30:44,240
Speaker 2: the track of not taking lunch to work. But I

724
00:30:44,280 --> 00:30:46,040
Speaker 2: think we can all give each other a bit of

725
00:30:46,120 --> 00:30:49,320
Speaker 2: a hall pass because of lockdown, So I'll let you

726
00:30:49,400 --> 00:30:50,040
Speaker 2: off Ryan.

727
00:30:49,920 --> 00:30:50,720
Speaker 3: If you let me off.

728
00:30:50,760 --> 00:30:53,960
Speaker 4: But I feel like Tony has been doing okay though,

729
00:30:54,000 --> 00:30:54,520
Speaker 4: and he's.

730
00:30:54,320 --> 00:30:55,200
Speaker 3: Always doing okay.

731
00:30:55,240 --> 00:30:57,320
Speaker 2: She's much stronger than everybody else on the team.

732
00:30:58,560 --> 00:31:00,840
Speaker 7: I've been really really trying.

733
00:31:01,880 --> 00:31:02,720
Speaker 4: What was your one again?

734
00:31:03,120 --> 00:31:06,520
Speaker 5: No discretionary spending, so not spending on anything that isn't

735
00:31:06,560 --> 00:31:11,040
Speaker 5: rental bills or legally binding. I did order a kebab

736
00:31:11,360 --> 00:31:15,800
Speaker 5: for dinner on Saturday night. That's food, but it's still

737
00:31:15,960 --> 00:31:19,080
Speaker 5: I guess, spending extra money. But I haven't bought Saturday

738
00:31:19,280 --> 00:31:20,040
Speaker 5: night Tony.

739
00:31:20,360 --> 00:31:22,520
Speaker 7: Yes, So thank you for the point, Bab.

740
00:31:22,760 --> 00:31:26,280
Speaker 2: No, you get a everybody gets a hall past spending

741
00:31:26,360 --> 00:31:28,800
Speaker 2: this month. If you need an official one to take

742
00:31:28,880 --> 00:31:30,520
Speaker 2: to the doctor or to give to your.

743
00:31:30,440 --> 00:31:34,120
Speaker 3: Employer, please just slide into my DNS and I'll send

744
00:31:34,160 --> 00:31:34,920
Speaker 3: a signed copy.

745
00:31:36,200 --> 00:31:38,520
Speaker 5: So I know that all the three of us have

746
00:31:38,680 --> 00:31:40,680
Speaker 5: been a little bit naughty, But you know what, I

747
00:31:40,800 --> 00:31:43,960
Speaker 5: hope that it makes everybody that is listening if you've

748
00:31:44,040 --> 00:31:46,600
Speaker 5: slipped maybe a little bit on your goals this month

749
00:31:46,840 --> 00:31:49,080
Speaker 5: or this week or today or whatever, I hope it

750
00:31:49,120 --> 00:31:50,880
Speaker 5: makes you feel a little bit better at that. If

751
00:31:50,920 --> 00:31:52,800
Speaker 5: you're doing it tough or you're not doing it tough,

752
00:31:52,880 --> 00:31:56,160
Speaker 5: it's okay. To make some mistakes because nobody's perfect.

753
00:31:56,560 --> 00:31:58,400
Speaker 2: No, no, we were never going to be able to

754
00:31:58,440 --> 00:32:01,120
Speaker 2: stick to these one hundred percent. Always so impressed when

755
00:32:01,160 --> 00:32:03,680
Speaker 2: I see people actually doing it, and I think that's

756
00:32:03,760 --> 00:32:05,840
Speaker 2: because I know that I did not have the self

757
00:32:05,920 --> 00:32:09,040
Speaker 2: control to do it to myself. But that is okay,

758
00:32:09,200 --> 00:32:12,120
Speaker 2: And I think it's just we are better humans for it, right,

759
00:32:12,280 --> 00:32:15,080
Speaker 2: Like I would have done a lot more eating out

760
00:32:15,240 --> 00:32:17,440
Speaker 2: had I not had this challenge, and I thines, you

761
00:32:17,600 --> 00:32:20,080
Speaker 2: think is better than what I was gonna have done

762
00:32:20,360 --> 00:32:21,600
Speaker 2: if we hadn't had the challenge.

763
00:32:21,960 --> 00:32:22,920
Speaker 7: Completely agree.

764
00:32:23,200 --> 00:32:24,800
Speaker 5: So what I thought was going to end on a

765
00:32:24,840 --> 00:32:26,760
Speaker 5: bit of a low point because none of us did

766
00:32:26,960 --> 00:32:30,320
Speaker 5: very well this week on our accountability August. Of course, Victoria,

767
00:32:30,400 --> 00:32:33,240
Speaker 5: you've managed to turn around into a real positive.

768
00:32:32,880 --> 00:32:34,440
Speaker 4: So thank you. Yeah, welcome.

769
00:32:34,520 --> 00:32:37,959
Speaker 2: I actually have a few positives few Obviously, we've got Monday, Wednesday,

770
00:32:38,000 --> 00:32:41,680
Speaker 2: Friday episodes next week. But Tony, little do you know

771
00:32:42,040 --> 00:32:45,680
Speaker 2: you're about to start editing our Equal Payday episode that's

772
00:32:45,680 --> 00:32:49,120
Speaker 2: going to drop on Tuesday morning? Okay, great, Yeah you

773
00:32:49,200 --> 00:32:50,320
Speaker 2: didn't know about that one, did you?

774
00:32:50,800 --> 00:32:50,840
Speaker 7: No?

775
00:32:50,960 --> 00:32:53,720
Speaker 2: I didn't, But I'm really excited because Tuesday is Equal

776
00:32:53,760 --> 00:32:56,760
Speaker 2: Payday and It's another day for me to actually get

777
00:32:56,800 --> 00:32:59,160
Speaker 2: on my soapbox and rant about how women should be

778
00:32:59,240 --> 00:33:01,320
Speaker 2: paid equally the same job aman does.

779
00:33:01,600 --> 00:33:02,800
Speaker 3: It's gonna be a fun guys.

780
00:33:03,200 --> 00:33:04,720
Speaker 7: Guys, I've got to go because I've got to go

781
00:33:04,800 --> 00:33:06,440
Speaker 7: and cut this podcast. I didn't know about it.

782
00:33:06,480 --> 00:33:08,320
Speaker 3: We haven't actually recorded it yet.

783
00:33:08,440 --> 00:33:10,360
Speaker 2: Georgia are not going to a hook up after this,

784
00:33:10,600 --> 00:33:13,240
Speaker 2: so we will try and be speedy if it's not

785
00:33:13,440 --> 00:33:13,960
Speaker 2: up in time.

786
00:33:14,200 --> 00:33:19,680
Speaker 3: Just no, guys, wasn't me? Was all Tony quite as always?

787
00:33:20,040 --> 00:33:21,280
Speaker 3: Just before we head off.

788
00:33:21,360 --> 00:33:24,719
Speaker 2: We'd like to acknowledge and pay respect to Australia's Aboriginal

789
00:33:24,840 --> 00:33:28,480
Speaker 2: and Torres Straight islander people's. They're the traditional custodians of

790
00:33:28,600 --> 00:33:30,200
Speaker 2: the lands, the waterways and the.

791
00:33:30,240 --> 00:33:33,600
Speaker 3: Skies all across Australia. We thank you for sharing and

792
00:33:33,680 --> 00:33:35,720
Speaker 3: for caring for the land on which we are able

793
00:33:35,800 --> 00:33:36,160
Speaker 3: to learn.

794
00:33:36,480 --> 00:33:39,040
Speaker 2: We power respects to elders past and present, and we

795
00:33:39,160 --> 00:33:41,400
Speaker 2: share our friendship and our kindness.

796
00:33:42,040 --> 00:33:44,520
Speaker 5: The advice shared on She's on the Money is generally

797
00:33:44,680 --> 00:33:47,680
Speaker 5: nature and does not consider your individual circumstances.

798
00:33:48,120 --> 00:33:50,120
Speaker 7: She's on the Money exists purely.

799
00:33:49,840 --> 00:33:52,640
Speaker 5: For educational purposes and should not be relied upon to

800
00:33:52,720 --> 00:33:56,440
Speaker 5: make an investment or financial decision, and we promise that

801
00:33:56,600 --> 00:34:01,120
Speaker 5: Victoria Divine is an authorized representative of Australias Civic Funds Management,

802
00:34:01,440 --> 00:34:04,320
Speaker 5: but prior to limited ABN three four one three two

803
00:34:04,480 --> 00:34:07,840
Speaker 5: four six three two five seven AFSL three three nine

804
00:34:07,920 --> 00:34:08,719
Speaker 5: one five one.

805
00:34:09,200 --> 00:34:11,840
Speaker 2: And as always, guys, you can find us on Facebook,

806
00:34:11,880 --> 00:34:14,120
Speaker 2: We're on Instagram and I spend a fair bit of

807
00:34:14,239 --> 00:34:15,160
Speaker 2: time on TikTok.

808
00:34:15,320 --> 00:34:17,279
Speaker 3: We will see you next week, guys. Hey,