1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:22,920 --> 00:00:25,959 Speaker 2: Hello and Welcome to the She's on the Money podcast 3 00:00:26,000 --> 00:00:28,440 Speaker 2: for millennials who want financial freedom. 4 00:00:28,640 --> 00:00:31,680 Speaker 3: I think we are taking the actual mickey here, Trap. 5 00:00:31,800 --> 00:00:33,559 Speaker 2: I was just trying to remember what you told me 6 00:00:33,600 --> 00:00:35,199 Speaker 2: to say, Mate, that's all you know what? 7 00:00:35,280 --> 00:00:37,400 Speaker 4: Write it down, Trap. I want to hear Trav sing 8 00:00:37,400 --> 00:00:37,760 Speaker 4: that intro. 9 00:00:37,880 --> 00:00:39,640 Speaker 5: Actually, I think that'd be a nice jingle like I 10 00:00:39,720 --> 00:00:42,040 Speaker 5: can do On the Money musical. 11 00:00:42,280 --> 00:00:47,360 Speaker 2: Hello and welcome, She is on the Money podcast for 12 00:00:47,520 --> 00:00:51,760 Speaker 2: millennial who want financial Oh, it started so strong. 13 00:00:53,200 --> 00:00:55,480 Speaker 3: This is the podcast which is basically the behind the 14 00:00:55,520 --> 00:00:59,400 Speaker 3: scenes of our radio show. Because our community is our 15 00:00:59,440 --> 00:01:01,800 Speaker 3: favorite thing, right or it's my favorite things, and about you, 16 00:01:01,840 --> 00:01:04,240 Speaker 3: I'm going to sell you on them. They are good eggs. 17 00:01:04,280 --> 00:01:07,600 Speaker 3: They're good people doing good things. And I obviously love 18 00:01:07,640 --> 00:01:10,120 Speaker 3: the radio show, but I love my podcast community more so. 19 00:01:10,400 --> 00:01:11,400 Speaker 3: And I love the deal. 20 00:01:11,520 --> 00:01:13,840 Speaker 2: Yeah, the fact of like the podcast and the community 21 00:01:13,840 --> 00:01:15,680 Speaker 2: that comes along it makes them feel like they're all 22 00:01:15,720 --> 00:01:18,480 Speaker 2: crammed into this studio with us and they can hear 23 00:01:18,520 --> 00:01:21,160 Speaker 2: the stuff that we say in the songs and the 24 00:01:21,200 --> 00:01:23,160 Speaker 2: things that Richie rich tells us not to say, and 25 00:01:23,200 --> 00:01:25,360 Speaker 2: they go, yeah, you should totally say that we should. 26 00:01:25,520 --> 00:01:27,000 Speaker 4: But they can also get involved. 27 00:01:27,200 --> 00:01:29,440 Speaker 5: They can call through to the show and leave us messages, 28 00:01:29,440 --> 00:01:31,640 Speaker 5: like if they want to send us voice messages on Instagram, 29 00:01:31,880 --> 00:01:33,759 Speaker 5: they can get on air with us. 30 00:01:33,920 --> 00:01:35,840 Speaker 3: I replied to all my dms too, So if you've 31 00:01:35,840 --> 00:01:37,200 Speaker 3: ever got a hot tip to you, I'm gonna share 32 00:01:37,200 --> 00:01:38,959 Speaker 3: on the radio show. That is the easiest way to 33 00:01:38,959 --> 00:01:39,640 Speaker 3: get in touch with. 34 00:01:39,600 --> 00:01:40,559 Speaker 4: Me is the DM. 35 00:01:41,280 --> 00:01:43,560 Speaker 3: Dms be kind though, no weird pictures. 36 00:01:43,640 --> 00:01:46,440 Speaker 2: It might take her three weeks to reply to it, 37 00:01:46,480 --> 00:01:47,240 Speaker 2: and she might leave me. 38 00:01:47,240 --> 00:01:49,800 Speaker 3: With that true for me, it's not true to me. 39 00:01:49,960 --> 00:01:52,520 Speaker 5: It's the best night to DM Victoria. Tuesday nights eight 40 00:01:52,560 --> 00:01:53,680 Speaker 5: PM's were the best. 41 00:01:54,520 --> 00:01:57,520 Speaker 2: You'll get that later, yeah, eight thirty pm because she's 42 00:01:57,560 --> 00:01:59,080 Speaker 2: too busy doing something else. APM. 43 00:01:59,160 --> 00:02:01,400 Speaker 4: That'll be so funny in about twenty minutes when you. 44 00:02:01,280 --> 00:02:05,720 Speaker 2: Hear you're focused on another task, which they will hear 45 00:02:05,760 --> 00:02:06,800 Speaker 2: it about twenty minutes time. 46 00:02:06,880 --> 00:02:08,560 Speaker 4: But what's on the show? Tell us what's on the show, 47 00:02:08,560 --> 00:02:09,280 Speaker 4: because it was very good. 48 00:02:09,360 --> 00:02:09,640 Speaker 6: It was. 49 00:02:09,680 --> 00:02:12,679 Speaker 2: We're going to delve into your guilty pleasures and how 50 00:02:12,760 --> 00:02:15,720 Speaker 2: much you spend on them, because Mitch, I believe you 51 00:02:15,800 --> 00:02:17,880 Speaker 2: spend seventeen thousand dollars in yours. 52 00:02:18,040 --> 00:02:19,040 Speaker 3: That is disgusting. 53 00:02:19,200 --> 00:02:20,920 Speaker 4: Don't tell them what it is. Don't tell them what 54 00:02:20,919 --> 00:02:21,200 Speaker 4: it is. 55 00:02:21,200 --> 00:02:24,120 Speaker 5: But it's greasy, it's hot, and it turns up to 56 00:02:24,160 --> 00:02:25,760 Speaker 5: my door and I get really excited. 57 00:02:25,960 --> 00:02:28,200 Speaker 3: That sounds wildly inappropriate that I'm going to say. 58 00:02:28,320 --> 00:02:29,519 Speaker 5: I'm going to leave it, leave it up to the 59 00:02:29,560 --> 00:02:31,280 Speaker 5: imagination of the Sheh's on the Monday nights. 60 00:02:31,360 --> 00:02:33,600 Speaker 2: That's what we call a teas or a hook in 61 00:02:33,639 --> 00:02:36,600 Speaker 2: the radio. And so we're also going to give you 62 00:02:36,680 --> 00:02:39,320 Speaker 2: some little money matters tips as well. I'm going to 63 00:02:39,320 --> 00:02:41,720 Speaker 2: tell you how you can keep little bit more bucks 64 00:02:41,760 --> 00:02:45,679 Speaker 2: in your bank account and super save a Saturday. It's 65 00:02:45,760 --> 00:02:47,840 Speaker 2: our favorite thing of the week where we're not going 66 00:02:47,880 --> 00:02:48,440 Speaker 2: to talk about it. 67 00:02:48,680 --> 00:02:50,880 Speaker 3: It's really good, mainly because it was my idea. No 68 00:02:50,919 --> 00:02:52,400 Speaker 3: I was, and I think it was Richie Richard's idea. 69 00:02:52,720 --> 00:02:53,960 Speaker 2: But the thing is, you know, we're not going to 70 00:02:54,000 --> 00:02:56,120 Speaker 2: talk about all those things that people like Mitch and 71 00:02:56,160 --> 00:02:59,880 Speaker 2: I have no idea about because we're not smart enough 72 00:02:59,880 --> 00:03:04,480 Speaker 2: to understand that's your podcast for you, Okay, Well we're 73 00:03:04,520 --> 00:03:06,560 Speaker 2: going to dumb it down for people like myself. 74 00:03:06,600 --> 00:03:09,920 Speaker 3: And it probably wasn't entirely truthful today on the radio 75 00:03:09,960 --> 00:03:11,280 Speaker 3: show about my guilty pleasures. 76 00:03:11,320 --> 00:03:11,519 Speaker 4: Either. 77 00:03:11,800 --> 00:03:14,360 Speaker 3: I think that everybody in my community knows I'm a 78 00:03:14,400 --> 00:03:16,720 Speaker 3: bit better at spending and it's not just coffee that 79 00:03:16,840 --> 00:03:18,840 Speaker 3: is my guilty pleasure, you know, a bit of a spoiler. 80 00:03:18,919 --> 00:03:20,760 Speaker 3: But at the same time, I think that was a 81 00:03:20,760 --> 00:03:23,520 Speaker 3: good radio hook, right, yeah, I hear about it. 82 00:03:23,520 --> 00:03:24,360 Speaker 4: It worked, It worked. 83 00:03:24,360 --> 00:03:26,000 Speaker 2: I just don't know why you lie to people. That's 84 00:03:26,040 --> 00:03:26,639 Speaker 2: my only. 85 00:03:26,440 --> 00:03:29,800 Speaker 3: Problem, because I didn't want, you know, millions of people 86 00:03:30,000 --> 00:03:32,320 Speaker 3: judging me on the fact that I really like nice 87 00:03:32,320 --> 00:03:34,280 Speaker 3: shoes and handbags. Like I just felt like it was 88 00:03:34,320 --> 00:03:36,840 Speaker 3: a bit too soon to get to know me that deep. 89 00:03:37,080 --> 00:03:39,800 Speaker 2: Yeah, okay, but the community know you very well. But 90 00:03:39,840 --> 00:03:42,240 Speaker 2: that's okay, all right, Let's get into the radio show 91 00:03:42,560 --> 00:03:45,000 Speaker 2: right now. This is the She's on the Money radio 92 00:03:45,120 --> 00:03:48,920 Speaker 2: show every morning nine am across the country. 93 00:03:49,200 --> 00:03:49,960 Speaker 3: Not every morning. 94 00:03:50,200 --> 00:03:50,600 Speaker 4: Yeah good. 95 00:03:50,640 --> 00:03:52,760 Speaker 3: Can you imagine if it was, we. 96 00:03:52,720 --> 00:03:54,840 Speaker 4: Would have made its. 97 00:03:54,880 --> 00:03:57,000 Speaker 2: I'd have to get up too early every single day, 98 00:03:57,000 --> 00:03:57,680 Speaker 2: and I'm not into that. 99 00:03:57,760 --> 00:03:59,400 Speaker 3: I would for breakfast radio show. 100 00:03:59,520 --> 00:03:59,680 Speaker 5: Right. 101 00:04:03,040 --> 00:04:05,040 Speaker 1: She's on the Money radio show. 102 00:04:07,080 --> 00:04:15,760 Speaker 4: With Victoria Divine guilty Pleasure. Guilty Pleasure? 103 00:04:17,200 --> 00:04:21,839 Speaker 2: Who made that? I love the good pun on Queen's 104 00:04:21,960 --> 00:04:25,320 Speaker 2: under pressure, Richie rich our producer. Very well done, then. 105 00:04:25,279 --> 00:04:26,280 Speaker 3: Did you make that, Richie Rich? 106 00:04:26,400 --> 00:04:28,039 Speaker 4: That is a good gear. 107 00:04:28,120 --> 00:04:30,760 Speaker 2: Anyway, We do all have guilty pleasures. You know, we 108 00:04:30,760 --> 00:04:33,520 Speaker 2: can't live with our guys. Just because we want financial 109 00:04:33,560 --> 00:04:36,159 Speaker 2: freedom doesn't mean that you need to go without everything. 110 00:04:36,200 --> 00:04:39,520 Speaker 2: You can splurge here and there right mitches everywhere. 111 00:04:39,640 --> 00:04:42,320 Speaker 5: Okay, now that makes me sound like a monster. I 112 00:04:42,360 --> 00:04:44,720 Speaker 5: do splurge everywhere. I don't save anything, Victoria. I don't 113 00:04:44,720 --> 00:04:46,880 Speaker 5: think I've ever told you this, ques You're really bad. 114 00:04:47,240 --> 00:04:49,720 Speaker 5: I try to save like one thousand a month. If 115 00:04:49,760 --> 00:04:51,840 Speaker 5: that I see something, I get it. I want I've 116 00:04:51,880 --> 00:04:53,560 Speaker 5: had lunch. I see some more food than I go. 117 00:04:53,680 --> 00:04:55,160 Speaker 5: You know what I want that eat it later? 118 00:04:55,240 --> 00:04:56,479 Speaker 4: I do want it. I got it? 119 00:04:56,520 --> 00:04:59,640 Speaker 2: Okay. Apart from the Theoremon's what's your guilty pleasure? Would 120 00:04:59,640 --> 00:05:00,000 Speaker 2: you say, mate? 121 00:05:00,160 --> 00:05:02,160 Speaker 4: Not really fair? I mean that's not really that expensive. 122 00:05:02,200 --> 00:05:04,400 Speaker 3: I have not that expense, he says, just about a 123 00:05:04,400 --> 00:05:06,560 Speaker 3: blast eight hundred bucks he spent on Facebook. 124 00:05:06,560 --> 00:05:07,719 Speaker 2: Market's like, fine, don't worry. 125 00:05:07,760 --> 00:05:08,760 Speaker 4: Wait to hear his feet. 126 00:05:08,920 --> 00:05:11,760 Speaker 5: In the last twelve months alone, I've spent over seventeen 127 00:05:11,839 --> 00:05:12,640 Speaker 5: thousand dollars on it. 128 00:05:12,800 --> 00:05:15,920 Speaker 2: What on Uber eighth. Are you joking? 129 00:05:16,160 --> 00:05:17,200 Speaker 3: What are you ordering? 130 00:05:17,520 --> 00:05:18,599 Speaker 4: That's for my partner and I. 131 00:05:18,760 --> 00:05:20,680 Speaker 5: But that's the thing, like I will get two meals 132 00:05:20,720 --> 00:05:22,479 Speaker 5: if there's a meal deal, I will get the second 133 00:05:22,560 --> 00:05:24,400 Speaker 5: meal and double the price just so I have food 134 00:05:24,440 --> 00:05:25,080 Speaker 5: for the next day. 135 00:05:25,120 --> 00:05:26,720 Speaker 4: So technically I'm saving money. 136 00:05:27,000 --> 00:05:30,159 Speaker 3: No meat. You're spending more on food from Uber Eats 137 00:05:30,160 --> 00:05:32,279 Speaker 3: than most people do on rent. Sit down, sir. 138 00:05:32,560 --> 00:05:35,320 Speaker 2: You know when Victoria whips out a calculator that is 139 00:05:35,360 --> 00:05:37,240 Speaker 2: out of control? How much is that. 140 00:05:37,200 --> 00:05:41,240 Speaker 3: Fourteen hundred and sixteen dollars per month? And you're like, oh, 141 00:05:41,240 --> 00:05:43,960 Speaker 3: it's for my partner, so that's like seven hundred bucks each. 142 00:05:44,480 --> 00:05:46,120 Speaker 4: It was lockdown. It was lockdown. 143 00:05:46,279 --> 00:05:49,680 Speaker 3: No, that is no excuse. I thought everyone just ate 144 00:05:49,760 --> 00:05:53,640 Speaker 3: easy Mac during lockdown? Is that not what the reality. 145 00:05:53,240 --> 00:05:55,000 Speaker 5: Of I had easy Mac too, but I got it 146 00:05:55,080 --> 00:05:57,839 Speaker 5: Uber eachsed in it is all grocery shopping is like 147 00:05:57,920 --> 00:05:59,920 Speaker 5: that instant milk grun, all the delivery serve. 148 00:06:00,560 --> 00:06:01,440 Speaker 4: Yeah. I don't even need. 149 00:06:01,320 --> 00:06:03,720 Speaker 2: A car at this point, and that is ridiculous. All right, Victoria, 150 00:06:03,800 --> 00:06:04,880 Speaker 2: what's your guilty pleasure? 151 00:06:04,960 --> 00:06:07,240 Speaker 3: Look, I have a few. I do love my shoes 152 00:06:07,279 --> 00:06:09,599 Speaker 3: and handbags and travel and all of the things. That 153 00:06:09,680 --> 00:06:13,159 Speaker 3: I think everybody loves. But from my perspective, it's really 154 00:06:13,160 --> 00:06:15,600 Speaker 3: about balance, and it's really about working out what your 155 00:06:15,640 --> 00:06:18,760 Speaker 3: guilty pleasure is and kind of also leaning into it 156 00:06:18,839 --> 00:06:21,920 Speaker 3: so you cannot feel guilty about a guilty pleasure, but 157 00:06:22,040 --> 00:06:24,359 Speaker 3: rather go Do you know what? That's part of my lifestyle. 158 00:06:24,400 --> 00:06:26,960 Speaker 3: I love it. And for me that's coffee, like one 159 00:06:27,040 --> 00:06:29,120 Speaker 3: or two a day. I know that that sounds small 160 00:06:29,520 --> 00:06:31,680 Speaker 3: because I think every other financial advice is like, do 161 00:06:31,760 --> 00:06:34,440 Speaker 3: you know you can save fourteen hundred dollars a year 162 00:06:34,480 --> 00:06:35,919 Speaker 3: if you don't have your morning coffee. 163 00:06:36,120 --> 00:06:37,919 Speaker 4: Yeah, they always shave the coffee off, don't they. 164 00:06:38,120 --> 00:06:41,080 Speaker 3: I don't understand it, because to me, that's my favorite 165 00:06:41,080 --> 00:06:42,880 Speaker 3: thing in the morning, like going for a walk with 166 00:06:42,920 --> 00:06:45,200 Speaker 3: my partner grabbing a coffee, which I'm now no longer 167 00:06:45,240 --> 00:06:47,080 Speaker 3: able to do on Saturday mornings, which is kind of 168 00:06:47,120 --> 00:06:48,880 Speaker 3: rude because I haven't hang out with Michi. It's never 169 00:06:48,920 --> 00:06:49,760 Speaker 3: bought me a coffee. 170 00:06:49,800 --> 00:06:52,040 Speaker 2: Well, you're making money now though, that's the difference. 171 00:06:52,040 --> 00:06:54,840 Speaker 3: This is very important. Now I can afford more coffee. 172 00:06:55,600 --> 00:06:57,520 Speaker 2: I mean it's kind of a catch twenty two. Really, 173 00:06:57,560 --> 00:06:59,480 Speaker 2: you can afford them, but you're not buying them, so. 174 00:06:59,520 --> 00:07:02,120 Speaker 3: No going to make Niche pay for them the money 175 00:07:02,120 --> 00:07:02,640 Speaker 3: win all around. 176 00:07:02,680 --> 00:07:03,960 Speaker 5: Well, I can't afford it because you know how much 177 00:07:04,000 --> 00:07:04,920 Speaker 5: I'm spending on Uber Eats. 178 00:07:04,920 --> 00:07:05,480 Speaker 4: That's the problem. 179 00:07:06,120 --> 00:07:09,119 Speaker 2: This is she's on the Money radio show. Just before 180 00:07:09,120 --> 00:07:11,280 Speaker 2: the break, you were telling us that your guilty pleasure 181 00:07:11,320 --> 00:07:13,160 Speaker 2: of Victoria Devine is coffee. 182 00:07:13,280 --> 00:07:14,960 Speaker 3: Before the coffee I have baraka. 183 00:07:14,800 --> 00:07:18,240 Speaker 2: Okay, and Mitch, you are an Uber Eats bandits seventeen 184 00:07:18,440 --> 00:07:19,760 Speaker 2: thousand dollars. 185 00:07:19,400 --> 00:07:20,440 Speaker 3: All I can't. 186 00:07:20,440 --> 00:07:23,560 Speaker 5: I feel like in the year of Lockdown, I couldn't 187 00:07:23,560 --> 00:07:24,800 Speaker 5: go out and cook food. 188 00:07:24,840 --> 00:07:27,200 Speaker 2: That's why, sure, mate, But that's okay. We're going to 189 00:07:27,240 --> 00:07:29,280 Speaker 2: make you feel a bit better because we're taking your 190 00:07:29,360 --> 00:07:32,080 Speaker 2: cars on thirty one oh sixty five. What's your guilty 191 00:07:32,160 --> 00:07:34,840 Speaker 2: pleasure and how much have you spent on it? Right now? 192 00:07:34,880 --> 00:07:36,600 Speaker 2: We've got Tommy, Tommy, what's yours? 193 00:07:36,600 --> 00:07:36,920 Speaker 4: Buddy? 194 00:07:37,000 --> 00:07:39,840 Speaker 6: Okay, mate? So my guilty pleasure is I only like 195 00:07:39,920 --> 00:07:42,960 Speaker 6: putting premium um leaded petrol in my car because it 196 00:07:43,120 --> 00:07:44,960 Speaker 6: just makes the motor per Mate, I can't do It's 197 00:07:44,960 --> 00:07:47,440 Speaker 6: only fifteen cents twenty cents more, but I just got 198 00:07:47,480 --> 00:07:47,840 Speaker 6: to do it. 199 00:07:47,880 --> 00:07:52,200 Speaker 3: I can't fifteen or twenty cents in these hard economic times, Tommy. 200 00:07:51,960 --> 00:07:53,040 Speaker 6: You gotta do what you gotta do. 201 00:07:53,120 --> 00:07:56,880 Speaker 5: Okay, he's not even doing it for performance, per for 202 00:07:57,000 --> 00:07:58,400 Speaker 5: a per he's a cat man. 203 00:07:58,560 --> 00:08:00,240 Speaker 2: Are you the kind of guy that rocks up does 204 00:08:00,240 --> 00:08:02,320 Speaker 2: bog laps? Tommy? And you're like, hey, girls, listen to 205 00:08:02,360 --> 00:08:06,120 Speaker 2: this baby chap flaps? 206 00:08:06,280 --> 00:08:08,160 Speaker 5: Yeah, And then I like that joke, didn't he? So 207 00:08:08,200 --> 00:08:09,640 Speaker 5: he's just traps audience. 208 00:08:09,920 --> 00:08:12,000 Speaker 3: I've got questions. I've got real questions. 209 00:08:12,040 --> 00:08:12,840 Speaker 2: Go for a Victoria. 210 00:08:13,080 --> 00:08:14,800 Speaker 3: I don't understand the difference. 211 00:08:15,560 --> 00:08:16,920 Speaker 5: What is the neither? 212 00:08:16,960 --> 00:08:20,960 Speaker 7: Do I? 213 00:08:20,960 --> 00:08:22,360 Speaker 6: I only get things that are premiut. 214 00:08:22,440 --> 00:08:27,840 Speaker 5: Oh wow, Tommy, here I reckon. 215 00:08:27,840 --> 00:08:29,160 Speaker 4: He's in the Toyota Yaris. 216 00:08:29,200 --> 00:08:31,720 Speaker 2: He actually has a prius, so he doesn't even use 217 00:08:31,760 --> 00:08:39,240 Speaker 2: Fore Mandy on thirty one six five, what's your guilty pleasure? 218 00:08:39,280 --> 00:08:41,120 Speaker 2: And how much have you spent on it? 219 00:08:41,280 --> 00:08:45,920 Speaker 7: About seven eight hundred dollars a month on boatox. 220 00:08:46,080 --> 00:08:49,880 Speaker 3: A month on boat box. Okay, as somebody who's happy 221 00:08:49,880 --> 00:08:53,760 Speaker 3: to with me on national radio that they also get botox? Girl, 222 00:08:53,760 --> 00:08:55,439 Speaker 3: how are you spending that much per month? 223 00:08:55,480 --> 00:08:56,400 Speaker 4: It's a lot of botoxs. 224 00:08:56,440 --> 00:08:57,240 Speaker 3: Where are you putting it? 225 00:08:57,960 --> 00:08:59,920 Speaker 2: Hang on a second, let's keep it family friendly. 226 00:09:00,360 --> 00:09:02,959 Speaker 3: No like is it is it that typing your jaws? 227 00:09:03,760 --> 00:09:03,800 Speaker 5: So? 228 00:09:04,320 --> 00:09:09,840 Speaker 1: Yeah, so you're fore head frown crows feet. I obviously 229 00:09:09,840 --> 00:09:10,840 Speaker 1: get a lot of fillers. 230 00:09:11,480 --> 00:09:14,280 Speaker 3: Is the seven hundred dollars does that include the fillers? 231 00:09:14,520 --> 00:09:14,720 Speaker 5: Yeah? 232 00:09:14,800 --> 00:09:17,120 Speaker 1: So basically I spread it out so I don't get 233 00:09:17,120 --> 00:09:18,720 Speaker 1: it all at once, and it averages out to about 234 00:09:18,760 --> 00:09:19,600 Speaker 1: seven hundred a month. 235 00:09:19,880 --> 00:09:22,800 Speaker 2: Who does your partner know about this? 236 00:09:22,920 --> 00:09:25,040 Speaker 3: Man? Tras? 237 00:09:25,200 --> 00:09:27,360 Speaker 2: I would have thought that you were so angry, but 238 00:09:27,400 --> 00:09:29,199 Speaker 2: I can't see an expression on your face. 239 00:09:30,360 --> 00:09:31,880 Speaker 4: Got you gotta good? 240 00:09:33,120 --> 00:09:33,480 Speaker 2: All right? 241 00:09:33,520 --> 00:09:33,720 Speaker 5: Hey? 242 00:09:33,840 --> 00:09:37,200 Speaker 2: Thanks Mandy. Jake, what is your guilty pleasure on thirty 243 00:09:37,240 --> 00:09:39,040 Speaker 2: one O six five? And how much a month are 244 00:09:39,040 --> 00:09:40,480 Speaker 2: you spending on the money? Guys? 245 00:09:40,559 --> 00:09:44,719 Speaker 7: I'll be honest, I am a sneak ahead and specifically 246 00:09:44,880 --> 00:09:50,280 Speaker 7: in the easy season apparel, so that's Kanye West brand. 247 00:09:50,800 --> 00:09:52,800 Speaker 2: Those are you playing at home? Just in case you 248 00:09:52,840 --> 00:09:54,000 Speaker 2: don't know, I'm a easyhead too. 249 00:09:54,040 --> 00:09:55,480 Speaker 4: I'm an easy fan too. I got all the easy 250 00:09:55,520 --> 00:09:57,000 Speaker 4: So this is Jake's a man to my own heart. 251 00:09:57,040 --> 00:09:59,200 Speaker 7: I love this Jake perfect bro. So you know how 252 00:09:59,240 --> 00:10:03,280 Speaker 7: much they cost cost? On average? Around like six hundred 253 00:10:03,280 --> 00:10:03,600 Speaker 7: bucks a. 254 00:10:03,600 --> 00:10:06,520 Speaker 5: Pair, right, Yeah, six to eight hundred depending on the season. 255 00:10:06,559 --> 00:10:09,040 Speaker 5: And if Kanye and Kim wear them. It's skyrockets to 256 00:10:09,120 --> 00:10:10,920 Speaker 5: like over a thousand, but for like the cheapest pair 257 00:10:10,920 --> 00:10:12,040 Speaker 5: would be five hundred bucks. 258 00:10:13,240 --> 00:10:17,000 Speaker 7: I reckon I've spent I'm not joking, probably around ten k. 259 00:10:18,000 --> 00:10:19,760 Speaker 4: Yeah, yeah, yes. 260 00:10:20,160 --> 00:10:22,000 Speaker 2: You might say, yeesus. 261 00:10:22,400 --> 00:10:26,600 Speaker 3: Jesus, I like that. I'm I'm sure. I spent sixty 262 00:10:26,640 --> 00:10:28,920 Speaker 3: six dollars on the added Ass website this week on 263 00:10:28,960 --> 00:10:31,080 Speaker 3: their click frenzy sale get a new pair of sneakers. 264 00:10:31,080 --> 00:10:32,280 Speaker 3: I thought that was pretty expensive. 265 00:10:32,480 --> 00:10:35,360 Speaker 2: Yeah, you know, I'm also shook because, for some reason 266 00:10:35,360 --> 00:10:37,520 Speaker 2: of fifteen year olders replace a Victoria divine in the 267 00:10:37,600 --> 00:10:38,440 Speaker 2: radio studio here. 268 00:10:38,520 --> 00:10:39,400 Speaker 3: What's wrong with me? 269 00:10:39,880 --> 00:10:44,120 Speaker 2: But the word shook? I thought it was so please no, 270 00:10:44,920 --> 00:10:47,120 Speaker 2: thank you so much, Jake. Well, I hope that makes 271 00:10:47,160 --> 00:10:49,600 Speaker 2: you guys feel a little bit better about obviously your 272 00:10:49,640 --> 00:10:52,920 Speaker 2: coffee addiction and your uber eats addiction. Mitch, it's always 273 00:10:52,920 --> 00:10:54,440 Speaker 2: good to throw it out there to the listeners on 274 00:10:54,480 --> 00:10:55,520 Speaker 2: thirty one oh six five. 275 00:10:55,600 --> 00:10:57,480 Speaker 5: It makes me feel a bit better. But Victoria, your 276 00:10:57,600 --> 00:11:00,040 Speaker 5: is yours is this week? Yours is just a coffee? 277 00:11:00,080 --> 00:11:02,280 Speaker 4: And then here are we spend a ten k plass? 278 00:11:02,360 --> 00:11:02,920 Speaker 4: You know? See? 279 00:11:02,960 --> 00:11:05,640 Speaker 3: I call that my guilty pleasure. And I like calling 280 00:11:05,679 --> 00:11:08,240 Speaker 3: it out as a financial advisor because I think too 281 00:11:08,240 --> 00:11:10,280 Speaker 3: many people are always like, oh my gosh, like, yeah, 282 00:11:10,280 --> 00:11:12,280 Speaker 3: I've really got to cut back, and the first thing 283 00:11:12,320 --> 00:11:14,280 Speaker 3: they do is cut that coffee, and you're like, no, 284 00:11:14,760 --> 00:11:17,040 Speaker 3: that's not going to save you nearly enough to create 285 00:11:17,080 --> 00:11:19,280 Speaker 3: the lifestyle you want. We need to actually do a 286 00:11:19,280 --> 00:11:21,880 Speaker 3: bit more than that. So normalized coffee. 287 00:11:21,480 --> 00:11:24,400 Speaker 2: Trad all right, we have normalized spending with guilty pleasures. 288 00:11:24,440 --> 00:11:26,920 Speaker 2: We're going to save you money next with money matters. 289 00:11:26,960 --> 00:11:28,920 Speaker 2: If you're struggling with some cash flow, you got yourself 290 00:11:28,920 --> 00:11:31,079 Speaker 2: in a bit of situation, you need some advice. Hit 291 00:11:31,160 --> 00:11:33,400 Speaker 2: us up at She's on the Money socials this week, 292 00:11:33,480 --> 00:11:36,160 Speaker 2: eleven year old Ben. He wants some advice on getting 293 00:11:36,200 --> 00:11:38,400 Speaker 2: into the stock market. That's coming up next on the 294 00:11:38,480 --> 00:11:39,560 Speaker 2: She's on the Money radio show. 295 00:11:42,120 --> 00:11:44,160 Speaker 1: She's on the Money Radio show. 296 00:11:46,200 --> 00:11:49,880 Speaker 4: With Victoria Divine. 297 00:11:50,480 --> 00:11:53,640 Speaker 2: Each week we're going to bring somebody's financial story on it. 298 00:11:53,840 --> 00:11:56,800 Speaker 2: We want to get your advice, Victoria on what they 299 00:11:56,840 --> 00:11:58,160 Speaker 2: should do, because you're. 300 00:11:58,000 --> 00:11:58,800 Speaker 4: The expert here. 301 00:11:58,960 --> 00:12:02,080 Speaker 2: I have tricked you a well, hopefully you're not going 302 00:12:02,160 --> 00:12:05,040 Speaker 2: to trick eleven year old Ben who sent us this message. 303 00:12:05,280 --> 00:12:07,360 Speaker 3: I'm eleven and I've been saving up and I want 304 00:12:07,400 --> 00:12:09,760 Speaker 3: to know how to buy five hundred dollars worth of shares? 305 00:12:09,960 --> 00:12:11,959 Speaker 3: How do I do it? And what type should I buy? Okay, 306 00:12:11,960 --> 00:12:13,600 Speaker 3: first of all, that's so wholesome. 307 00:12:13,760 --> 00:12:15,440 Speaker 4: Yeah, that's at eleven. 308 00:12:15,440 --> 00:12:17,400 Speaker 5: I wasn't even allowed to use a toaster, let alone 309 00:12:17,600 --> 00:12:18,840 Speaker 5: call into a radio show. 310 00:12:18,960 --> 00:12:22,320 Speaker 2: I didn't even have five dollars, let alone five hundred eleven. 311 00:12:22,360 --> 00:12:24,520 Speaker 3: I got my kettle license, and I thought that was 312 00:12:24,640 --> 00:12:27,440 Speaker 3: really big kettle. My parents are going to be listening 313 00:12:27,440 --> 00:12:29,880 Speaker 3: to this laughing. It was so that you could safely 314 00:12:30,000 --> 00:12:33,520 Speaker 3: use the kettle because Mum and dad wanted tea and 315 00:12:33,600 --> 00:12:34,439 Speaker 3: coffee in bed. 316 00:12:34,760 --> 00:12:38,000 Speaker 4: Oh my god, that's genius. That's a money save a tip. 317 00:12:38,080 --> 00:12:38,880 Speaker 4: That's very smart. 318 00:12:38,960 --> 00:12:41,400 Speaker 2: Anyway, Victoria, what should Ben do? Who wants to invest 319 00:12:41,440 --> 00:12:42,840 Speaker 2: five hundred bucks in the stock market? 320 00:12:42,880 --> 00:12:43,120 Speaker 4: Look? 321 00:12:43,160 --> 00:12:45,720 Speaker 3: First, thing first, that is impressive. I don't know where 322 00:12:45,720 --> 00:12:47,720 Speaker 3: he got five hundred bucks. Do we have to talk 323 00:12:47,760 --> 00:12:51,319 Speaker 3: about child slave labor? Let's maybe not. Let's just assume 324 00:12:51,400 --> 00:12:53,960 Speaker 3: then he seemed happy. Let's assume he's been holding all 325 00:12:53,960 --> 00:12:56,480 Speaker 3: his Birthday and Christmas money and gifts from family and friends, 326 00:12:56,480 --> 00:13:00,080 Speaker 3: all right, So then there are lots and lots of options, 327 00:13:00,120 --> 00:13:01,640 Speaker 3: and I think the first thing is to think about 328 00:13:01,640 --> 00:13:04,560 Speaker 3: what you actually want to achieve, and is it buying 329 00:13:04,600 --> 00:13:06,080 Speaker 3: something in the future. Is it when you get to 330 00:13:06,160 --> 00:13:09,280 Speaker 3: eighteen buying a car? Is it actually when you're thirty 331 00:13:09,320 --> 00:13:11,640 Speaker 3: five or maybe even sixty at this rate and buying 332 00:13:11,640 --> 00:13:13,640 Speaker 3: your first home? Is it retirement? 333 00:13:13,720 --> 00:13:13,840 Speaker 4: Like? 334 00:13:13,880 --> 00:13:15,960 Speaker 3: What are we doing? Am I talking to an eleven 335 00:13:16,000 --> 00:13:18,680 Speaker 3: year old about retirement? This is so sex I. 336 00:13:18,520 --> 00:13:20,439 Speaker 2: Wish Ben was on the line to tell you all 337 00:13:20,480 --> 00:13:22,120 Speaker 2: about his retirement needs and want. 338 00:13:22,080 --> 00:13:24,960 Speaker 4: I'm sure he's got a long, long list retirement. 339 00:13:24,600 --> 00:13:27,320 Speaker 3: Guys, he's probably more prepared than both of you combined. 340 00:13:27,440 --> 00:13:29,800 Speaker 3: But that is so true. So there's heaps of ways 341 00:13:29,840 --> 00:13:33,360 Speaker 3: he could invest. A very popular way for young people 342 00:13:33,400 --> 00:13:36,080 Speaker 3: to invest if you're under eighteen is to either buy 343 00:13:36,120 --> 00:13:39,480 Speaker 3: an investment bond because there's lots of tax implications we 344 00:13:39,520 --> 00:13:42,640 Speaker 3: need to take into consideration, or an ETF, which is 345 00:13:42,679 --> 00:13:45,440 Speaker 3: an exchange traded fund, which is a bucket of shares 346 00:13:45,520 --> 00:13:48,040 Speaker 3: so you don't have to pick them directly and worry 347 00:13:48,080 --> 00:13:50,160 Speaker 3: too much. But Ben, I would be having a chat 348 00:13:50,160 --> 00:13:53,360 Speaker 3: with your parents because kids actually have a really high 349 00:13:53,440 --> 00:13:55,880 Speaker 3: marginal tax rate. It might not be the best thing 350 00:13:55,960 --> 00:13:58,400 Speaker 3: to do because you might end up getting a little 351 00:13:58,440 --> 00:13:59,240 Speaker 3: bit shot in the foot. 352 00:13:59,480 --> 00:14:02,120 Speaker 5: Wait, he could use his parents to invest the money 353 00:14:02,160 --> 00:14:03,160 Speaker 5: so he doesn't get tax. 354 00:14:03,080 --> 00:14:05,320 Speaker 3: Yeah, there are lots of platforms that allow you to 355 00:14:05,400 --> 00:14:08,280 Speaker 3: sign up and then actually have a children's account where 356 00:14:08,280 --> 00:14:09,760 Speaker 3: they can manage it and have a look at it 357 00:14:09,800 --> 00:14:12,360 Speaker 3: and run it. But it actually sits under the parents 358 00:14:12,480 --> 00:14:13,280 Speaker 3: tax will income. 359 00:14:14,360 --> 00:14:15,840 Speaker 5: He says he wants to get into the stock market. 360 00:14:15,880 --> 00:14:17,120 Speaker 5: He is ad a good idea at eleven. 361 00:14:17,320 --> 00:14:19,840 Speaker 3: Look, I love the idea. I hope that when I 362 00:14:19,880 --> 00:14:22,160 Speaker 3: have an eleven year old they are as keen on 363 00:14:22,280 --> 00:14:24,720 Speaker 3: getting into the stock market because when I was eleven again, 364 00:14:24,840 --> 00:14:28,760 Speaker 3: kettle license was my priority. But the power here, let's 365 00:14:28,800 --> 00:14:31,400 Speaker 3: just seep out the money smart compound interest calculator, because 366 00:14:31,480 --> 00:14:32,280 Speaker 3: that's my favorite thing. 367 00:14:32,280 --> 00:14:33,680 Speaker 4: In the end, I love what you have that ready 368 00:14:33,680 --> 00:14:34,480 Speaker 4: to go at all times. 369 00:14:34,600 --> 00:14:38,040 Speaker 3: I do. I'm ready. But his initial deposit of five 370 00:14:38,120 --> 00:14:40,560 Speaker 3: hundred bucks, if he didn't add a dollar to it, 371 00:14:40,840 --> 00:14:43,680 Speaker 3: didn't even think about it. Yeah, by the time he retires, 372 00:14:43,720 --> 00:14:47,040 Speaker 3: that's twenty one thousand dollars. Wow, by not touching it, 373 00:14:47,040 --> 00:14:49,000 Speaker 3: So five hundred bucks twenty one grand. 374 00:14:49,120 --> 00:14:51,920 Speaker 2: Just putting five hundred bucks into an account and leaving it. 375 00:14:52,040 --> 00:14:55,320 Speaker 3: Yep, he's crazy exactly. But then imagine so if he 376 00:14:55,400 --> 00:14:58,400 Speaker 3: added fifty bucks a month to it, So maybe mum 377 00:14:58,400 --> 00:15:01,000 Speaker 3: and dad added fifty bucks a month and birthday money 378 00:15:01,360 --> 00:15:03,520 Speaker 3: very money. Yeah, maybe he has a rich uncle or something. 379 00:15:03,680 --> 00:15:06,480 Speaker 3: Maybe if he added fifty bucks a month to his 380 00:15:06,560 --> 00:15:09,160 Speaker 3: five hundred, he'd have three hundred and forty nine thousand. 381 00:15:09,240 --> 00:15:11,160 Speaker 3: What you're my small house with that? 382 00:15:11,400 --> 00:15:14,040 Speaker 2: Oh my god, three hundred and fifty k is out 383 00:15:14,040 --> 00:15:14,560 Speaker 2: of control. 384 00:15:14,680 --> 00:15:16,600 Speaker 3: I think it is wild. I won't go on and 385 00:15:16,640 --> 00:15:18,280 Speaker 3: on about it because I have a whole show for 386 00:15:18,320 --> 00:15:19,960 Speaker 3: the rest of the year to go in and on about. 387 00:15:20,280 --> 00:15:21,440 Speaker 4: Yeah, good tips for Benny. 388 00:15:21,600 --> 00:15:22,200 Speaker 3: Great idea. 389 00:15:22,320 --> 00:15:24,280 Speaker 2: Hey, if you've got a question you want Victoria to answer, 390 00:15:24,360 --> 00:15:26,440 Speaker 2: hit us up on our socials right now, just search 391 00:15:26,560 --> 00:15:28,440 Speaker 2: She's on the Money and coming up next, we're going 392 00:15:28,480 --> 00:15:30,920 Speaker 2: to do Super Savior Saturday. Guys, Victoria, you're going to 393 00:15:30,960 --> 00:15:33,240 Speaker 2: give us some sneaky tips on how to keep more 394 00:15:33,280 --> 00:15:34,520 Speaker 2: bucks in your bank account. 395 00:15:35,080 --> 00:15:38,320 Speaker 5: This is she's on the Money radio show since the 396 00:15:38,440 --> 00:15:42,280 Speaker 5: Savers Saturday. Yeah, Super Savers Saturday is that's when Victoria, 397 00:15:42,360 --> 00:15:44,120 Speaker 5: you give us a little money saving tips that aren't 398 00:15:44,120 --> 00:15:48,360 Speaker 5: full of like actual jargon compound savings and you know 399 00:15:48,600 --> 00:15:51,200 Speaker 5: sees end of day, all those business. 400 00:15:50,920 --> 00:15:53,760 Speaker 3: Toos'll say it's my favorite part of the week. But 401 00:15:53,800 --> 00:15:55,600 Speaker 3: it's not because you guys told me I can't talk 402 00:15:55,640 --> 00:15:57,600 Speaker 3: about anything I actually want to talk about. It has 403 00:15:57,640 --> 00:15:59,560 Speaker 3: to be like fluffier money tips that you think people 404 00:15:59,600 --> 00:16:02,360 Speaker 3: will all like. So, I've tried really hard this week 405 00:16:02,400 --> 00:16:05,440 Speaker 3: and I spent twenty one hundred bucks on return flights 406 00:16:05,480 --> 00:16:07,400 Speaker 3: to London, and I think that's a money win you. 407 00:16:07,600 --> 00:16:10,640 Speaker 5: Oh my god, that is how much they normally you 408 00:16:10,640 --> 00:16:11,720 Speaker 5: can get flights to lighter that night. 409 00:16:11,760 --> 00:16:15,400 Speaker 3: Four grand, right, so expensive. I've been looking and the 410 00:16:15,480 --> 00:16:18,080 Speaker 3: average seems to be for the good time. Obviously, you 411 00:16:18,080 --> 00:16:20,760 Speaker 3: could fly at like a really terrible time and have 412 00:16:20,880 --> 00:16:23,440 Speaker 3: like a twenty four hour layover in like dollar or 413 00:16:23,480 --> 00:16:26,600 Speaker 3: something where you don't yeah, no, thank you. I feel 414 00:16:26,600 --> 00:16:28,640 Speaker 3: like they're about thirty two hundred at the moment, So 415 00:16:28,680 --> 00:16:30,720 Speaker 3: I feel like I saved a thousand bucks. That's pretty 416 00:16:30,720 --> 00:16:31,280 Speaker 3: good money. 417 00:16:31,320 --> 00:16:32,280 Speaker 2: That's like it had to do it. 418 00:16:32,320 --> 00:16:34,160 Speaker 4: What did you do is spreadsheet things? 419 00:16:34,200 --> 00:16:35,960 Speaker 3: Yeah, now I've got to out myself and tell you 420 00:16:36,000 --> 00:16:38,880 Speaker 3: that I made a spreadsheet and I downloaded an algorithm 421 00:16:38,880 --> 00:16:41,720 Speaker 3: that I stole from someone else to put flight costs 422 00:16:42,000 --> 00:16:44,280 Speaker 3: from other places to work out what time of the 423 00:16:44,320 --> 00:16:46,960 Speaker 3: week was the best time to buy flights, and Richie 424 00:16:46,960 --> 00:16:50,000 Speaker 3: reached our producer not his real name. He told me 425 00:16:50,240 --> 00:16:52,440 Speaker 3: that Tuesday nights are the best time to buy flights. 426 00:16:52,480 --> 00:16:54,680 Speaker 3: But I trust nobody, so I had to do all 427 00:16:54,720 --> 00:16:56,680 Speaker 3: of this to work out the Tuesday nights were actually 428 00:16:56,760 --> 00:16:58,920 Speaker 3: the best time to buy flights at about eight pm. 429 00:16:59,080 --> 00:17:00,800 Speaker 2: Wow, he was right. 430 00:17:01,080 --> 00:17:03,320 Speaker 3: I'm not going to say that. I'm sure he heard 431 00:17:03,320 --> 00:17:04,119 Speaker 3: that from someone else. 432 00:17:04,200 --> 00:17:06,480 Speaker 5: Wait, do you think that's because people are, like, you know, 433 00:17:06,840 --> 00:17:08,960 Speaker 5: normal people wait till the weekend or Friday night or 434 00:17:08,960 --> 00:17:10,359 Speaker 5: their last minute, so they do it at the end 435 00:17:10,400 --> 00:17:11,840 Speaker 5: of the week or like the night before they're flying. 436 00:17:11,880 --> 00:17:14,240 Speaker 3: Why yeah, I think so. Like usually it's Friday or 437 00:17:14,240 --> 00:17:17,359 Speaker 3: Saturday night. Like heye, trap, you can book a holiday together. 438 00:17:17,359 --> 00:17:18,840 Speaker 3: Why don't you come over for a wine and we'll 439 00:17:18,840 --> 00:17:20,959 Speaker 3: get all locked in on a Friday or a Saturday. 440 00:17:21,320 --> 00:17:22,480 Speaker 3: I reckon, that's peak time. 441 00:17:22,560 --> 00:17:24,160 Speaker 2: I was going to ask how your partner, Steve would 442 00:17:24,160 --> 00:17:24,760 Speaker 2: feel about that. 443 00:17:24,680 --> 00:17:26,600 Speaker 3: But he would love you. You can come over for 444 00:17:26,640 --> 00:17:27,520 Speaker 3: dinner whenever you want. 445 00:17:27,560 --> 00:17:29,320 Speaker 2: Thank you, Thank you, guys. 446 00:17:29,359 --> 00:17:31,960 Speaker 4: I'll be dropping to just like, provide the food or. 447 00:17:31,880 --> 00:17:34,320 Speaker 2: You're not invited made, don't worry about it. Oh yeah, Victoria. 448 00:17:34,400 --> 00:17:36,600 Speaker 2: During the song, you were telling us about cookies as 449 00:17:36,640 --> 00:17:37,520 Speaker 2: well or something, and. 450 00:17:37,480 --> 00:17:39,159 Speaker 5: I got very excited because when I hear cookies, my 451 00:17:39,160 --> 00:17:39,720 Speaker 5: ears perk up. 452 00:17:39,720 --> 00:17:43,760 Speaker 3: But it was I did bring cookies for everyone this morning, Yeah, 453 00:17:43,880 --> 00:17:48,400 Speaker 3: Carra Milk cookies. Yeah, one hundred percent local bakery made them. 454 00:17:48,480 --> 00:17:51,240 Speaker 2: You're welcome, gorgeous, but a good globe. 455 00:17:51,280 --> 00:17:53,560 Speaker 3: But cookies are really important when it comes to flights 456 00:17:53,760 --> 00:17:56,320 Speaker 3: because cookies are the thing that tracks you around the internet, 457 00:17:56,680 --> 00:17:59,399 Speaker 3: and flight companies they truck you around the Internet. So 458 00:17:59,440 --> 00:18:01,760 Speaker 3: if you've Google called flights, they know you've done it. 459 00:18:01,800 --> 00:18:03,440 Speaker 3: So when you go to book, they'll just add a 460 00:18:03,480 --> 00:18:05,760 Speaker 3: couple of hundred bucks to the sale price and you'll 461 00:18:05,760 --> 00:18:08,399 Speaker 3: be like criminal, Yeah, but you'll be like, oh my gosh, 462 00:18:08,480 --> 00:18:10,000 Speaker 3: I'll just pay it, like we've just got to look 463 00:18:10,000 --> 00:18:12,400 Speaker 3: it in before it goes up anymore. So my other 464 00:18:12,440 --> 00:18:15,000 Speaker 3: hot tip is to use a device that you haven't 465 00:18:15,000 --> 00:18:18,200 Speaker 3: ever looked up flights on before. And so on Tuesday 466 00:18:18,200 --> 00:18:20,800 Speaker 3: when I booked, I went and got my partner's laptop 467 00:18:20,800 --> 00:18:23,600 Speaker 3: and booked on that, which meant that we got super 468 00:18:23,720 --> 00:18:28,200 Speaker 3: cheap flights and it was two weeks before. So if 469 00:18:28,240 --> 00:18:30,080 Speaker 3: that's not a money win, I don't know what is 470 00:18:30,200 --> 00:18:30,600 Speaker 3: money win. 471 00:18:30,680 --> 00:18:32,520 Speaker 4: Baby, that's a super saf a Saturday money win. 472 00:18:32,600 --> 00:18:34,440 Speaker 2: All Right, the show's not getting any better than that guy, 473 00:18:34,480 --> 00:18:36,720 Speaker 2: so let's get out while they say we're on a 474 00:18:36,800 --> 00:18:39,640 Speaker 2: height see next week. Do you guys, who's Denny? 475 00:18:39,720 --> 00:18:42,520 Speaker 5: If she's on The Money Radio Show with Victoria Devine. 476 00:18:42,640 --> 00:18:45,560 Speaker 2: Hear it on the catch Up podcast on iHeartRadio