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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: Millennials who Want Financial Freedom. Welcome back to another one

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Speaker 2: of our Friday Drinks episodes where we get to celebrate

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Speaker 2: the money wins and confessions from our community that happen

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Speaker 2: each and every single week. Now, this week we're missing

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Speaker 2: a few of the crew. They're just, I guess, too

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Speaker 2: busy for us nowadays, very busy. Yeah, Georgia was just

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Speaker 2: too busy. I just didn't want to come in. Just

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Speaker 2: kind of a bit slack from my perspective. But we've

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Speaker 2: got the ogs Tony and Ryan here. Do you reckon

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Speaker 2: that we will be able to cut an episode just

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Speaker 2: as good without them?

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Speaker 3: I feel like there's something missing without our little pals.

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Speaker 2: But it actually fins a bit weird. When you guys

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Speaker 2: were like, let's do Friday night drinks, I was like,

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Speaker 2: oh yay, that like nobody's here here.

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Speaker 3: And it also needs to be mentioned that because Jess

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Speaker 3: wasn't here organizing our lives, none of us have a drink,

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Speaker 3: so and I have has a war and I've got

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Speaker 3: my water.

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Speaker 2: Yeah, and we're also definitely not nearly as prepared as

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Speaker 2: we would be without Jess. So that's all.

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Speaker 3: Right, It's fine.

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Speaker 2: Do you think it will survive?

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Speaker 3: I hope. So I'm supposed to be the EP of

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Speaker 3: this podcast, I should probably be able to pull it together,

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Speaker 3: to be honest.

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Speaker 4: What have you done? Then? Oh?

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Speaker 3: I sent you the notes?

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Speaker 2: You did send me some screenshots.

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Speaker 3: Yes, I've seen screenshots of the notes.

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Speaker 2: Eche it was really good. But before we jump into

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Speaker 2: Ryan's money ins, let's just wrap what happened this week

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Speaker 2: Tony money Diaries. What happened on our Monday episode.

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Speaker 3: So our money diary this week was called twenty nine

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Speaker 3: and catching Up, And basically she had gone overseas and

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Speaker 3: felt like when she came back she hadn't earned any

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Speaker 3: souper and she was feeling a bit behind on on

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Speaker 3: what she'd been doing, which is really like a crappy

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Speaker 3: spot to be put in.

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Speaker 4: Ye, but I feel like everyone it's like almost like

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Speaker 4: a rite of passage Australians. We go overseas for a

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Speaker 4: year ago and you come home with nothing, And I

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Speaker 4: don't think that's not normal. I reckon that's real common.

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Speaker 3: Well, she actually stayed overseas for four years.

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Speaker 2: That's such a long period of time, like four years,

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Speaker 2: a lot can happen.

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Speaker 3: Yeah, And when we were talking to our money darist

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Speaker 3: this week, it reminded me a little bit of me.

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Speaker 3: So I didn't travel after I went to UNI. I

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Speaker 3: started working straight away, and every time we kind of

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Speaker 3: really my boyfriend and I really got into our groove,

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Speaker 3: we would move because I got a better job of

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Speaker 3: opportunity somewhere else. So we lived in a country town

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Speaker 3: in Wa for a while, and then we moved to Sydney,

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Speaker 3: and then we moved to Melbourne. And for me, it

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Speaker 3: feels like I've missed out because everybody else in my

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Speaker 3: life is you know, buying a house or getting married

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Speaker 3: or whatever. But we've spent all that time investing into

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Speaker 3: into my career and for ages. I felt really bad

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Speaker 3: about being behind everybody else, but I'm ahead in other ways.

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Speaker 2: And I guess she's literally on she's on the money now.

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Speaker 4: There was news though last week. I think the law

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Speaker 4: used to be that any Australian can move to the

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Speaker 4: UK if they were aged thirty or below, and Australia

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Speaker 4: and England kind of had a deal where we can

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Speaker 4: go work cool. They've actually extended that, I believe to

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Speaker 4: now thirty five now, yeah, because I remember when I

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Speaker 4: turned thirty I kind of have the same kind of

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Speaker 4: bit of fomo. I was like, oh, I feel like,

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Speaker 4: you know, everyone has their London year, yeah, and I

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Speaker 4: never got a chance. And now they've moved that to yeah,

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Speaker 4: I think thirty five.

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Speaker 2: Yeah great, I'll ask my three pets and my partner

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Speaker 2: if that's an option for us.

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Speaker 4: Should we got and the new house that.

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Speaker 2: You're new house that I'm renovating, and all of the

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Speaker 2: other financial and life commitments that I have, let alone

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Speaker 2: the fact that I have a team literally that I

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Speaker 2: need to be in the office spot. It's not the

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Speaker 2: point we're having a gap year, a gap for you. Well,

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Speaker 2: I never got a gap year either, and I always

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Speaker 2: felt like I was missing out because my little sister

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Speaker 2: did their gap year, and I guess being the older sibling,

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Speaker 2: I'm like the older nerdier like.

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Speaker 4: Definitely, your sister is definitely the fun one of the thing.

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Speaker 3: It was pretty cool. I haven't even met her and

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Speaker 3: I know everybody knows she's.

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Speaker 4: Gonna meet the party of course. God yeah, someone like.

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Speaker 3: Can I hang out?

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Speaker 2: Jeez, I'm glad, I'm But it's one of those things

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Speaker 2: where I just never considered it. I was so desperate

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Speaker 2: to get into university because I remember year twelve being

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Speaker 2: so stressful and I was just feeling like, oh my god,

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Speaker 2: if I don't get into UNI, like the world's going

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Speaker 2: to come crashing down, like Newslasher doesn't come crashing down.

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Speaker 2: I remember being really stressed and you know, going straight

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Speaker 2: into UNI. And by the time my little sister got to,

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Speaker 2: you know, the age where she was finishing year twelve,

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Speaker 2: I was like in third year UNI, I think, and

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Speaker 2: she was like, I'm going to take your gap year

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Speaker 2: and I was like, what that's an option? Like I

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Speaker 2: remember my parents being super supportive because she just wanted

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Speaker 2: to see the world and you know, travel and have fun.

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Speaker 2: And I am still envious of that break she got

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Speaker 2: because it just, you know, personally, she grew a lot.

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Speaker 2: She had some really great experiences with her friends. But

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Speaker 2: in saying that, I don't regret anything about what I've done.

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Speaker 2: I just have never had that overseas break, mainly because

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Speaker 2: I just put too much pressure on myself to perform,

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Speaker 2: like and that's okay, We're just all different people, and

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Speaker 2: I think that that's just it is what it is.

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Speaker 2: But as Ryan was saying, Tony, we.

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Speaker 3: Can still have Yeah, We've still got time. I think

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Speaker 3: it was just a really nice way to think about

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Speaker 3: We'll reassure our money tyists that you aren't missing out.

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Speaker 3: And there are things that you gain from whatever you

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Speaker 3: choose that other people don't gain from what they choose,

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Speaker 3: and everything seems all perfect and like the best opportunity

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Speaker 3: when you see other people have done it, but it

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Speaker 3: doesn't take away from what you've gained. And yeah, it

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Speaker 3: was really hard for me personally to understand that I'd

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Speaker 3: invested in my career over all that time rather than

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Speaker 3: saving money to buy a house, and like now I'm

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Speaker 3: twenty seven, and yeah, I could probably own a house

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Speaker 3: and do all these other things that you see.

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Speaker 2: People doing, but that wasn't your values, exactly the thing

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Speaker 2: that you wanted to do. And I think that these

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Speaker 2: weeks Money direst really drove home for me that it

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Speaker 2: doesn't matter what position you're in. Yep, you're still going

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Speaker 2: to compare yourself to the journey of other people.

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Speaker 3: H huh.

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Speaker 2: And it doesn't matter if you're super impressive and have

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Speaker 2: your first home by the age of twenty seven and

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Speaker 2: three kids and you're married and have been for the

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Speaker 2: last fifty years, Like people don't care, you're still going

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Speaker 2: to compare your journey to that of others. And seeing

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Speaker 2: this person who I was like, Wow, she's traveled and

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Speaker 2: had such great life experience and you know now she's

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Speaker 2: come home and she's investing, yeah, and joint cool things,

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Speaker 2: like what an epic person. Yep, But that's not how

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Speaker 2: she was feeling about it. And I, yah, wait, what

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Speaker 2: what do you mean you don't feel epic about this?

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Speaker 3: And she actually sent a really nice email as well,

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Speaker 3: like thanking us for having her on the podcast, which

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Speaker 3: was lovely, and she said that she was really proud

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Speaker 3: of how she spoke and that she was really excited

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Speaker 3: to like show her friends and family and that kind

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Speaker 3: of thing. So I think that sometimes it's just that

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Speaker 3: perspective shift that you need that when you talk about

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Speaker 3: yourself in a way that you don't talk it's not

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Speaker 3: the way that you self taught, but when you talk

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Speaker 3: about yourself to others, you kind of hear it in

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Speaker 3: a different light, I think. But yeah, I hope that

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Speaker 3: anybody that's in the situation where they might be comparing

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Speaker 3: theirselves or you know, feeling like a bit left behind

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Speaker 3: or whatever. It's just never too late and whatever choices

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Speaker 3: you've made were the right ones few at the time.

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Speaker 2: Absolutely yeah, I agree and quickly dust over this week's

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Speaker 2: deep dive. Georgia King and I we sat down and

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Speaker 2: talked about New Financial Year, new financial goals, which was

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Speaker 2: really fun, mainly because I love goal setting and talking

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Speaker 2: about setting goals and resetting goals. And you know, this year,

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Speaker 2: I know that the She's on the Money community have

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Speaker 2: downloaded a lot of those savings hacks sheets and they're

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Speaker 2: loving setting goals and like sharing their goals, and like,

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Speaker 2: I just think it's been so special, and you know,

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Speaker 2: half year is the time that we start to sort

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Speaker 2: of dwindle on our goals and fall off the bandwagon

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Speaker 2: because oh my gosh, I can't believe it's June, and

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Speaker 2: now I can't believe it's July, and you know, you

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Speaker 2: kind of go, oh, I haven't achieved what I wanted

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Speaker 2: to achieve, But like, we've got so much time left.

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Speaker 2: And I absolutely do not subscribe to the notion that

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Speaker 2: you need a new year to set a new financial

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Speaker 2: or life goal. Like, if you want to do something,

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Speaker 2: just start now. It doesn't matter you don't need the

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Speaker 2: first of January twenty twenty two to do it. But

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Speaker 2: at the same time, I know a lot of people

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Speaker 2: would have set goals on the first of January twenty

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Speaker 2: twenty one that they're now not maintaining, and so I

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Speaker 2: kind of wanted to reinvigorate that talk about goal setting,

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Speaker 2: talk about how to reset those goals and feel okay

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Speaker 2: with it and maybe get back on the bandwagon if

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Speaker 2: you've fallen off. But if you haven't set any goals,

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Speaker 2: now's a great time to think about it as well.

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Speaker 2: So that was a really fun chat, mainly because I

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Speaker 2: love goal setting and talking about how people are achieving things.

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Speaker 2: But that's what the Wednesday AB was.

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Speaker 4: What's your next money go of Victoria Devine.

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Speaker 2: I don't know. I genuinely don't.

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Speaker 4: Tony Lodge.

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Speaker 3: We've got a bit of debt that I would love

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Speaker 3: to pay off, just like some personal credit card debt

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Speaker 3: from like I was doing about before moving around a lot.

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Speaker 3: That's probably our next next thing that we want to

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Speaker 3: polyshaft so that we can start investing and having real

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Speaker 3: savings and that kind of thing ry.

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Speaker 4: We're saving for the house.

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Speaker 2: Oh yeah, I'm sorry, you were an option last weekend.

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Speaker 3: Yeah, god goes from saving.

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Speaker 4: I was not bidding, I was observing.

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Speaker 2: But how much did it go over?

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Speaker 4: By a lot? Yeah? And that's the thing anyone who

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Speaker 4: lives in more probably any major city in Australia at

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Speaker 4: the moment, the house prices are just insane. At the moment.

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Speaker 4: I heard a stat that in Melbourne the house prices

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Speaker 4: are going up eight hundred dollars a day. What And

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Speaker 4: obviously you know it's averaged in every house a little

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Speaker 4: bit different. But when they do the big averages and

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Speaker 4: the big data, every single day it goes up eight

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Speaker 4: hundred dollars.

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Speaker 3: I wish my value went up eight hundred dollars. I

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Speaker 3: wish another eight hundred dollars.

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Speaker 4: So we were hoping maybe towards the end of the year,

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Speaker 4: but like it's we're not saving eight hundred a day.

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Speaker 4: So it's very.

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Speaker 2: Pressure to put on ourselves. How is that fair for us,

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Speaker 2: as you know, millennials, to go, you know what, I

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Speaker 2: really want to purchase property and then you look at

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Speaker 2: the stats and it's going up eight hundred dollars a day.

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Speaker 2: Some people can't even save that in a month. How

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Speaker 2: were we even going to make that achievable.

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Speaker 4: And the place we went to not only would we

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Speaker 4: be nowhere near being able to afford what it eventually

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Speaker 4: went for, it was a real doer opera. Oh no,

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Speaker 4: so it's like I can't even afford a place that

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Speaker 4: needs work. Yeah, And I feel like a lot of

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Speaker 4: people listening now will be nodding and being like here mate.

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Speaker 3: But I mean, if anybody listening does need help with

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Speaker 3: the property buying.

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Speaker 4: Process, there's a podcast.

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Speaker 2: I wish there was a podcast, Ryan, We should do one.

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Speaker 3: Bounce your Little Bunny Tails trade over to the Property Playbook,

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Speaker 3: new episodes every Tuesday, and Victoria and Amullnardi and myself

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Speaker 3: are talking about.

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Speaker 2: How to actually get into the from go to woe

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Speaker 2: A to V I thought that was so sassy. Just

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Speaker 2: so you guys know, Tony came up with that tagline.

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Speaker 2: And I'm very proud of UQ speaking are very proud.

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Speaker 2: Do you know what we were about to dogs money Wins.

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Speaker 4: Is this where we're proud of the community or you

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Speaker 4: might say you're proud of me just as a guy.

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Speaker 2: Oh no, we're not proud of you as a guy.

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Speaker 2: We are proud of the community and that's why we

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Speaker 2: do the Money wins and confessions from Ryan each week.

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Speaker 4: All right. Christy said that she has been looking for

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Speaker 4: wedding shoes for ages, and as you guys know, as

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Speaker 4: soon as you start looking for stuff online, the ads

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Speaker 4: start coming on Facebook and stuff. So she's seen these

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Speaker 4: ones worth six hundred bucks and she like, that's so

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Speaker 4: much money. Yeah, and she's like, they just keep popping

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Speaker 4: up as ads. I can't get them out of my head.

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Speaker 4: I love these shoes. Finally they come up for four

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Speaker 4: fifty they're on sale, and she buys them and goes, yes,

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Speaker 4: I've saved one hundred and fifty dollars. I've just been

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Speaker 4: thinking about these shoes. She gets them, she puts them on,

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Speaker 4: she's like, they're great, but you know what, I just

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Speaker 4: don't know even at four fifty, if they're the ones

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Speaker 4: for me.

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Speaker 3: Yeah, okay, all right, So then able to preturn them.

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Speaker 4: Yep. She stumbles across these other ones that she's like,

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Speaker 4: I just fell in love with these other ones. How

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Speaker 4: much are they? One hundred dollars? Yeah? Zero, got the

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Speaker 4: four hundred and fifty back has the shoes of her

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Speaker 4: dream for a big day. Christy all the best for

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Speaker 4: the wedding.

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Speaker 3: But I'm glad that she bought the expensive shoes right

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Speaker 3: as a side note, because she probably otherwise if she

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Speaker 3: just bought the one hundred dollars ones, she would have

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Speaker 3: in her mind always been like I should have just

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Speaker 3: bought those shoes.

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Speaker 4: I wonder what I would have looked like in those shoes.

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Speaker 3: But she's done it, and I'm so proud of that.

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Speaker 3: And if you need anyone else at your wedding, we

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Speaker 3: are free.

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Speaker 4: We are free. Oh are we?

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Speaker 3: Yep, all three of us.

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Speaker 2: I'll be there.

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Speaker 4: Rachel said, this might seem like a strange money win,

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Speaker 4: but I'm really proud of myself. She's in Sydney, which

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Speaker 4: is currently in lockdown like a lot of places in Australia,

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Speaker 4: and she said, any other time we might have gone

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Speaker 4: into lockdown, I would have been stressing and that would

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Speaker 4: have really done me in. But for the first time

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Speaker 4: my life, I've got an emergency fund.

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Speaker 3: Oh my heart.

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Speaker 4: And I thought, you know what, this is what an

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Speaker 4: emergency fund is for, for emergency.

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Speaker 2: But that's just it. And I think that if we're

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Speaker 2: going to talk about this, sorry to derail your conversation

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Speaker 2: right now, but that's what your emergency fund is for.

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Speaker 2: Do not feel guilty about having to into that at

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Speaker 2: this point in time, because that's what you've been saving

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Speaker 2: it for.

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Speaker 4: Well, you know how we say don't judge your pastself.

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Speaker 4: She's sort of the opposite. She's like very proud. She's like,

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Speaker 4: I've saved this thing. This is why I've done it,

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Speaker 4: and now I get to reap the benefits of the sacrifice.

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Speaker 4: So good on you. Rachel Carnie said that she bought

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Speaker 4: a house twelve months ago. Now this is the opposite

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Speaker 4: of my woes from earlier. She said, they had to

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Speaker 4: get it revalued for a bank thing they might have

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Speaker 4: been refinancing. It's now worth one hundred and forty thousand

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Speaker 4: more than she bought in just twelve months. Oh wow, that's.

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Speaker 2: Like more than someone's full time salary that she's just

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Speaker 2: found in equity in her property. Like, imagine being able

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Speaker 2: to save that much in twelve months. I'm just shook

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Speaker 2: when I hear stuff like that.

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Speaker 4: All right, Larissa said she called the Department a Transport

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Speaker 4: to check something with her car regi and actually worked

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Speaker 4: out that she had ticked like a business car like

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Speaker 4: for a van or whatever, which I think the regio

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Speaker 4: is a little bit high expensive. But it turns out

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Speaker 4: her car was not the category she originally ticked, and

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Speaker 4: they said, oh, you've actually been paying too much. Here's

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Speaker 4: a refund and a credit towards your next regio payment.

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Speaker 3: That is such a money yeah, because it's REGI not

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Speaker 3: the worst, most annoying to get. You get a power

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Speaker 3: bill and you're like, yeap, okay, fair enough, water bill,

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Speaker 3: gas whatever, But that regio, that stinky little regio. Every

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Speaker 3: time it turns up, you go. Hasn't really been three months.

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Speaker 2: It's actually so frustrating. I feel like that about my

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Speaker 2: car insurance because I've been trying to time it right

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Speaker 2: and this is it's not a money loss and it's

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Speaker 2: not a money win. So I didn't save this one,

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Speaker 2: but I time it for just pre financial years so

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Speaker 2: that I can claim it in that taxi because like

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Speaker 2: of course Victoria Devine has thought about it.

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Speaker 4: So what it sticked over a few days ago?

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Speaker 2: Then yeah, yeah, so I had this due earlier this month,

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Speaker 2: So like mid June, I start getting my regro, AT

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Speaker 2: start getting my insurance, I get my income protection insurance,

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Speaker 2: I get literally everything so that I can pay it then.

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Speaker 2: But then once June thirty comes and goes. I can

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Speaker 2: then claim it on tax immediately because obviously I'm a

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Speaker 2: genius she is on the Yeah wow. But if I

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Speaker 2: wasn't saving all year for that, I definitely one couldn't

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Speaker 2: do that. Yeah, true, because.

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Speaker 3: That's a take you outlay at one time.

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Speaker 4: Yeah.

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Speaker 2: I can't tell you how frustrating it is, regardless of

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Speaker 2: the fact that one I've saved for it. Yes, it's

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Speaker 2: a normal bill, and any other time I'd be like, great,

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Speaker 2: like just pay the bills, Like I've got the money

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Speaker 2: in my cash hub because I've done my budget and

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Speaker 2: I know what it's there. But oh my gosh, going

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Speaker 2: into my cashub that many times this month to pay

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Speaker 2: the things that I'd already committed to and definitely had

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Speaker 2: to pay that it just feels audacious.

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Speaker 3: Yeah, it's rude.

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Speaker 2: It's it's not a money loss, it's not a money win.

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Speaker 2: It's just me being frustrated with my money that.

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Speaker 3: You have to spend the money on the things that

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Speaker 3: you use.

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Speaker 2: What what do you mean I've been saving to pay

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Speaker 2: my regio and now it's due, Like.

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Speaker 4: Oh yeah, Paul, let now We've had this money win

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Speaker 4: multiple times before. But it's just another great example from

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Speaker 4: no people who use those price lock apps with the

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Speaker 4: petrol oh, because.

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Speaker 3: Like seven to eleven have one where you say you

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Speaker 3: hit bang then it.

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Speaker 4: Just like priss yep. So she's used the seven eleven app.

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Speaker 3: She think Miss just Griachi is a big fan of

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Speaker 3: fuel app.

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Speaker 4: Yeah, so I didn't realize this fuel price has got

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Speaker 4: to a dollar seventy five, Elita.

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Speaker 2: I saw that and it hit me in the heart.

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Speaker 4: Yeah, so Paultte locked it in at a dollar twenty right,

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Speaker 4: say what fifty cents per liter saving.

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Speaker 2: She's a genius.

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Speaker 4: Well done.

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Speaker 2: I bet the guy at the servo or the girl

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Speaker 2: at the servo was just really impressed with her as well. Look,

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00:16:32,440 --> 00:16:34,480
Speaker 2: they thought they were getting this like one seven year

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Speaker 2: leader and then she's like, check out my phone, you've

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Speaker 2: got her on on this.

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Speaker 3: Did you know that they don't make commission on the

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Speaker 3: fuel The counter doesn't own seven eleven that forty cents later?

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Speaker 4: Really know how often canceled university you're not getting out to.

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Speaker 2: Can you know when you go into the servo and

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Speaker 2: they're like, oh, have you got any discounts? In ninety

385
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Speaker 2: percent of the time, Myers has not remembered.

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Speaker 3: I never have anything.

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Speaker 2: I never have it. I'm like, no, I'm like, imagine

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Speaker 2: not only walking in and being like, oh, by the way,

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Speaker 2: yeah I do. It's fifty cents a leader, and he's

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00:17:05,000 --> 00:17:07,359
Speaker 2: asking for that boor sense of leader that means nothing,

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Speaker 2: to pull out.

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Speaker 3: Nothing.

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Speaker 4: Now, I don't want to finish on it. I wouldn't

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Speaker 4: say a downer because this is definitely not a down up,

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Speaker 4: but I reckon. We might get a tear from Victoria divine.

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Speaker 2: No, don't do this, you reckon? Are you being genuine?

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Speaker 4: Yeah?

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Speaker 2: No, don't make me cry.

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Speaker 4: Jasmine.

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Speaker 3: Okay, hi, Jasmine.

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00:17:26,960 --> 00:17:30,119
Speaker 4: I was homeless when I was sixteen, says Jasmine. I

402
00:17:30,200 --> 00:17:32,760
Speaker 4: became a single mum in my early twenties, which is

403
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Speaker 4: really hard work. Having listened to she's on the money,

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Speaker 4: I'm proud to say that I've just built a family

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Speaker 4: home and I am thankful for this life. I could

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Speaker 4: have never imagined.

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Speaker 2: What one Jasmine, Jasmine, I'm not crying. I'm not crying.

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Speaker 2: I'm close.

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Speaker 4: She built a house, She built a house, her own

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Speaker 4: house that she owns Oh.

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Speaker 2: You know what, I love that, But like that's not us, babe,

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00:18:02,359 --> 00:18:06,000
Speaker 2: that's you. Like, that's not us. We didn't do that yeah,

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00:18:06,040 --> 00:18:08,280
Speaker 2: we might have the tools and resources. And I say

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Speaker 2: this all the time, and it's not me trying to

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Speaker 2: shift credit or say you know, we definitely didn't do that.

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00:18:12,840 --> 00:18:16,440
Speaker 2: Like I have the tools and resources, yes, and I've

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00:18:16,760 --> 00:18:19,320
Speaker 2: tried to make them as accessible as possible. But there

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00:18:19,320 --> 00:18:21,920
Speaker 2: are so many people out there that have been introduced

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Speaker 2: to she is on the money and the tools and

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Speaker 2: resources we you have, and they're not ready to have them.

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Speaker 2: They're not ready to take that on. They are not

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00:18:27,359 --> 00:18:29,840
Speaker 2: ready to make any change. You have to be in

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00:18:29,880 --> 00:18:32,600
Speaker 2: that mindset to make change, to put yourself in a

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00:18:32,600 --> 00:18:35,320
Speaker 2: better position. I can't do that for you. That's the

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00:18:35,359 --> 00:18:38,240
Speaker 2: one thing that is going to make sustainable and long

426
00:18:38,320 --> 00:18:41,000
Speaker 2: term change for you, and that, unfortunately, is the one

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Speaker 2: thing I can't do. Yeah you did that, I didn't

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Speaker 2: do that. I might have given you the budget, I

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00:18:45,359 --> 00:18:47,879
Speaker 2: might have helped you the podcast, might have been something

430
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Speaker 2: that inspired you. I love that and I'm so proud

431
00:18:50,119 --> 00:18:52,680
Speaker 2: of that. But like, I don't want people to think

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Speaker 2: it's not them, like she did that.

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Speaker 3: Because you're the one that every month put that extra

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00:18:56,600 --> 00:18:59,120
Speaker 3: money aside. I did it, and you know, went without

435
00:18:59,440 --> 00:19:02,800
Speaker 3: getting nails done or doing something that for you because

436
00:19:02,880 --> 00:19:04,840
Speaker 3: you knew that you were working towards something bigger. And

437
00:19:04,880 --> 00:19:05,720
Speaker 3: that's so special.

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00:19:05,760 --> 00:19:18,000
Speaker 2: That is so special. I'm so proud of her. All right, Tony,

439
00:19:18,240 --> 00:19:21,240
Speaker 2: let's jump straight back into the pod. What have you

440
00:19:21,280 --> 00:19:23,840
Speaker 2: got to share with the community this week? Anything interesting,

441
00:19:23,880 --> 00:19:25,359
Speaker 2: anything fun? Exciting?

442
00:19:25,680 --> 00:19:26,040
Speaker 4: Okay?

443
00:19:26,080 --> 00:19:29,200
Speaker 3: So I came across this post and I wanted to

444
00:19:29,200 --> 00:19:31,760
Speaker 3: get your guys opinion. It's a short and simple one.

445
00:19:32,400 --> 00:19:35,520
Speaker 3: Would you rather live somewhere you love and have limited

446
00:19:35,600 --> 00:19:39,480
Speaker 3: money due to the cost of living or live somewhere

447
00:19:39,560 --> 00:19:44,399
Speaker 3: you hate and be well off financially. So right now,

448
00:19:44,560 --> 00:19:47,800
Speaker 3: I'll just say this. It currently has one hundred and

449
00:19:47,800 --> 00:19:54,040
Speaker 3: thirty answers. Oh go and quite surprising. Quite surprising. So

450
00:19:54,280 --> 00:19:55,439
Speaker 3: I want to ask you guys to.

451
00:19:55,480 --> 00:19:56,200
Speaker 2: Ask grind first.

452
00:19:56,200 --> 00:19:59,160
Speaker 4: I don't want to go first, just to so I've

453
00:19:59,160 --> 00:20:01,240
Speaker 4: got my head across the huh A place that you

454
00:20:01,320 --> 00:20:03,800
Speaker 4: really really like but you don't have a lot of money.

455
00:20:03,880 --> 00:20:06,439
Speaker 2: We're talking about like the home you have or are

456
00:20:06,480 --> 00:20:09,320
Speaker 2: we talking like the location? Like you don't like living

457
00:20:09,320 --> 00:20:09,880
Speaker 2: in Melbourne?

458
00:20:09,960 --> 00:20:12,200
Speaker 3: So it says would you rather live somewhere you love

459
00:20:12,280 --> 00:20:14,520
Speaker 3: and have limited money due to the cost of living?

460
00:20:14,640 --> 00:20:18,960
Speaker 3: So I'm guessing yeah, like location for hypothetical.

461
00:20:19,040 --> 00:20:21,400
Speaker 4: Should we just say like Paris or New York or something.

462
00:20:21,480 --> 00:20:24,479
Speaker 3: It's the city so you can't earn as much money

463
00:20:24,520 --> 00:20:28,560
Speaker 3: for the job that you are able to do. Or

464
00:20:28,840 --> 00:20:32,800
Speaker 3: would you rather live somewhere you hate, like Balla or

465
00:20:33,640 --> 00:20:35,760
Speaker 3: like say you live in the middle of Australia and

466
00:20:35,800 --> 00:20:38,119
Speaker 3: it's really really hot and you're just not someone that

467
00:20:38,240 --> 00:20:40,240
Speaker 3: likes really really hot, you know, Like that's kind of

468
00:20:40,240 --> 00:20:41,440
Speaker 3: where my mind goes.

469
00:20:41,480 --> 00:20:43,880
Speaker 2: But you're but making bank, but you're well.

470
00:20:43,680 --> 00:20:46,480
Speaker 3: Off financially because your rent's not as expensive.

471
00:20:46,640 --> 00:20:49,280
Speaker 2: People do that, right, Like you guys have worked in

472
00:20:49,520 --> 00:20:52,000
Speaker 2: Wa so you know that lots of people work in

473
00:20:52,080 --> 00:20:54,920
Speaker 2: mining over there, and I would say that they don't

474
00:20:54,960 --> 00:20:57,439
Speaker 2: love working five fo but the life that affords them

475
00:20:57,480 --> 00:21:00,239
Speaker 2: and their families is worth it for them, right them,

476
00:21:00,280 --> 00:21:02,280
Speaker 2: they're making the decision to you know what, I don't

477
00:21:02,480 --> 00:21:04,240
Speaker 2: love where I have to live.

478
00:21:04,040 --> 00:21:06,880
Speaker 4: And when they fly home though they live in the yeah,

479
00:21:06,920 --> 00:21:07,359
Speaker 4: yeah no.

480
00:21:07,440 --> 00:21:10,040
Speaker 2: But that's that's another example of like they don't adore

481
00:21:10,080 --> 00:21:12,320
Speaker 2: their jobs because they're like five folks like two weeks on,

482
00:21:12,359 --> 00:21:14,199
Speaker 2: two weeks off or whatever. Like there's lots of different

483
00:21:14,200 --> 00:21:15,480
Speaker 2: iteration and you read.

484
00:21:15,400 --> 00:21:18,880
Speaker 3: So much online about how difficult that lifestyle is. Yeah,

485
00:21:19,200 --> 00:21:22,120
Speaker 3: husbands or wives that are flying out and the husbands

486
00:21:22,200 --> 00:21:24,399
Speaker 3: or wives that are at home with the kids or whatever,

487
00:21:24,800 --> 00:21:25,680
Speaker 3: and how difficult that.

488
00:21:26,640 --> 00:21:26,960
Speaker 4: Yeah.

489
00:21:27,000 --> 00:21:28,600
Speaker 3: Sure, you know you hear it and you think, oh,

490
00:21:28,640 --> 00:21:30,480
Speaker 3: that's so much money and it's great, but yeah, that

491
00:21:30,520 --> 00:21:32,560
Speaker 3: would be so difficult. I know that I could not

492
00:21:32,640 --> 00:21:35,480
Speaker 3: do that, So my hat is off to anybody that

493
00:21:35,520 --> 00:21:35,840
Speaker 3: does that.

494
00:21:36,119 --> 00:21:40,679
Speaker 4: So I associate locations, and like I said, for the example,

495
00:21:40,720 --> 00:21:42,600
Speaker 4: let's say it's like a Paris on New York or something.

496
00:21:43,000 --> 00:21:47,520
Speaker 4: I associate locations with great food and going out. And

497
00:21:47,560 --> 00:21:49,919
Speaker 4: if I went on holidays, I'd be like, where can

498
00:21:49,960 --> 00:21:52,520
Speaker 4: we go for dinner? And let's go try some local

499
00:21:52,560 --> 00:21:53,480
Speaker 4: cuisine and.

500
00:21:53,359 --> 00:21:55,879
Speaker 2: For me to really plan holidays around the food.

501
00:21:55,920 --> 00:21:59,560
Speaker 4: That yeah, maybe twenty year old Ryan would have been

502
00:21:59,560 --> 00:22:01,280
Speaker 4: about the past, but now I'm a bit older, I'm like,

503
00:22:01,320 --> 00:22:03,480
Speaker 4: if there's places to go out and stuff. So for

504
00:22:03,560 --> 00:22:05,919
Speaker 4: that question, if you live in this town with these

505
00:22:05,960 --> 00:22:08,439
Speaker 4: beautiful restaurants but you can't afford to eat there, for me,

506
00:22:08,520 --> 00:22:10,600
Speaker 4: that's the same as maybe not even being there at all.

507
00:22:11,040 --> 00:22:13,000
Speaker 2: I think my take's a little bit different, but carry on.

508
00:22:13,119 --> 00:22:15,280
Speaker 4: Well, that's what I said when I associate good location.

509
00:22:15,400 --> 00:22:18,040
Speaker 4: I associate location with great things to do, and if

510
00:22:18,080 --> 00:22:20,560
Speaker 4: you can't afford to do the great things, then that

511
00:22:20,880 --> 00:22:24,040
Speaker 4: sort of almost becomes redundant to it. Like if I

512
00:22:24,080 --> 00:22:27,160
Speaker 4: lived in Melbourne, which I do now, but like say, you,

513
00:22:27,160 --> 00:22:29,760
Speaker 4: you know, the stereotype of Melbourne is like cool laneways

514
00:22:29,760 --> 00:22:31,480
Speaker 4: and great coffees, But it's like, yeah, but you can't

515
00:22:31,520 --> 00:22:33,840
Speaker 4: drink the coffee because you don't have the cash and

516
00:22:33,880 --> 00:22:36,240
Speaker 4: you live two hours out of town because the rent's

517
00:22:36,280 --> 00:22:38,159
Speaker 4: expensive in the city. Then I don't know, if you

518
00:22:38,200 --> 00:22:40,199
Speaker 4: can't appreciate the good things, maybe it's not worth it.

519
00:22:40,240 --> 00:22:43,000
Speaker 4: But having said that, the opposite is true. If you're

520
00:22:43,000 --> 00:22:44,600
Speaker 4: in the middle of nowhere and you've got this money

521
00:22:44,640 --> 00:22:46,840
Speaker 4: to go out and there's nowhere to go out to, yeah,

522
00:22:46,880 --> 00:22:48,720
Speaker 4: then it just sits in the bank and does nothing.

523
00:22:49,200 --> 00:22:52,120
Speaker 3: You go, Victoria. I'd love, I actually love to hear

524
00:22:52,160 --> 00:22:52,800
Speaker 3: your take on this.

525
00:22:54,080 --> 00:22:56,680
Speaker 2: I feel like this is personal preference and it's definitely

526
00:22:56,720 --> 00:22:59,560
Speaker 2: just personal opinion. But I think I'd really struggle being

527
00:22:59,560 --> 00:23:02,560
Speaker 2: put in position where I didn't love where I lived,

528
00:23:02,840 --> 00:23:05,119
Speaker 2: so where I live really nourishes me.

529
00:23:05,480 --> 00:23:06,840
Speaker 3: I am the same like.

530
00:23:06,800 --> 00:23:09,600
Speaker 2: I need to live somewhere that I feel really comfortable,

531
00:23:09,720 --> 00:23:11,639
Speaker 2: and to be honest, I would be very happy to

532
00:23:11,680 --> 00:23:14,640
Speaker 2: take a significant paycut if that meant that I had

533
00:23:14,640 --> 00:23:16,320
Speaker 2: to make a similar decision when I was in UNI.

534
00:23:16,400 --> 00:23:18,920
Speaker 2: And this is absolutely not comparable. And it's like, I guess,

535
00:23:19,280 --> 00:23:22,159
Speaker 2: low level entitled, But I could have stayed living with

536
00:23:22,200 --> 00:23:25,800
Speaker 2: my parents and had a higher income and definitely been

537
00:23:25,840 --> 00:23:29,000
Speaker 2: able to afford a whole heap more during UNI if

538
00:23:29,040 --> 00:23:31,359
Speaker 2: I'd stayed living there. But my parents lived more than

539
00:23:31,400 --> 00:23:33,359
Speaker 2: an hour and a half away from UNI, and so

540
00:23:33,520 --> 00:23:36,240
Speaker 2: I decided to move, even though that would have financially

541
00:23:36,280 --> 00:23:38,879
Speaker 2: stunted me, and I definitely couldn't live the life that

542
00:23:38,920 --> 00:23:41,159
Speaker 2: I could have if I'd stayed living at home, But

543
00:23:41,280 --> 00:23:43,960
Speaker 2: for me, location was really important.

544
00:23:44,160 --> 00:23:44,440
Speaker 4: See.

545
00:23:44,480 --> 00:23:46,800
Speaker 3: I actually think that's the perfect example.

546
00:23:47,359 --> 00:23:48,760
Speaker 2: I don't know, did I do a good job.

547
00:23:48,840 --> 00:23:53,320
Speaker 3: Yeah, So I actually think that it's probably more based on, yeah,

548
00:23:53,359 --> 00:23:55,399
Speaker 3: like being close to where you are or close to

549
00:23:55,520 --> 00:23:59,240
Speaker 3: friends or that kind of thing, and say, you're doing

550
00:23:59,320 --> 00:24:01,520
Speaker 3: the exact same job that you're doing now. But like,

551
00:24:02,320 --> 00:24:04,199
Speaker 3: and another post that I saw the other day, and

552
00:24:04,240 --> 00:24:06,000
Speaker 3: it was someone saying, oh, I really want to start

553
00:24:06,000 --> 00:24:08,200
Speaker 3: earning more money. I'm a real estate agent. I live.

554
00:24:08,880 --> 00:24:11,359
Speaker 3: It was like Newcastle or the Central Coast or something,

555
00:24:11,640 --> 00:24:13,160
Speaker 3: and she was saying, I want to earn a bit

556
00:24:13,200 --> 00:24:15,480
Speaker 3: more money. Do you think I have to go to

557
00:24:15,520 --> 00:24:18,560
Speaker 3: the city for that, Like, because if I moved to Sydney,

558
00:24:18,960 --> 00:24:21,919
Speaker 3: our rent doubles or all of our costs double. But

559
00:24:22,080 --> 00:24:23,760
Speaker 3: you know I'm going to be making more money, but

560
00:24:23,920 --> 00:24:25,480
Speaker 3: our rent's that much more expensive.

561
00:24:25,520 --> 00:24:29,119
Speaker 4: And well, I've moved before and got a significant pay rise,

562
00:24:29,359 --> 00:24:31,760
Speaker 4: but by the time the rent goes up and then

563
00:24:31,800 --> 00:24:33,720
Speaker 4: you go, oh, I'm earning so much more, but I'm

564
00:24:33,760 --> 00:24:35,760
Speaker 4: actually not earning anymore.

565
00:24:36,240 --> 00:24:37,560
Speaker 3: Creek exactly right.

566
00:24:37,720 --> 00:24:39,840
Speaker 4: But it wasn't even lifestyle creep because the lifestyle was

567
00:24:39,840 --> 00:24:42,760
Speaker 4: the same. It was just the cost actually.

568
00:24:42,960 --> 00:24:45,000
Speaker 2: And lifestyle creep can impact us in a whole heap

569
00:24:45,040 --> 00:24:47,080
Speaker 2: of different ways. Right, It might not just be you

570
00:24:47,119 --> 00:24:51,520
Speaker 2: creeping up your expenses, but your expenses by virtue have increased.

571
00:24:51,800 --> 00:24:54,080
Speaker 2: So for me, I think, you know, back to what

572
00:24:54,119 --> 00:24:55,800
Speaker 2: you were saying about restaurants and.

573
00:24:55,760 --> 00:24:58,359
Speaker 4: Stuff, like, maybe I went to heavy on the location in.

574
00:24:58,400 --> 00:25:01,239
Speaker 2: Terms of no, I think it's important because you love that.

575
00:25:01,560 --> 00:25:04,920
Speaker 2: But for me, like I remember being in the city

576
00:25:05,160 --> 00:25:08,280
Speaker 2: for UNI and like literally having not much money.

577
00:25:08,000 --> 00:25:10,280
Speaker 3: But living your life living my last life.

578
00:25:10,320 --> 00:25:12,640
Speaker 2: You like my girlfriends and I would have drinks at

579
00:25:12,680 --> 00:25:15,040
Speaker 2: our place before we went out because we definitely couldn't

580
00:25:15,080 --> 00:25:17,240
Speaker 2: afford them at the restaurant. And then I remember we

581
00:25:17,280 --> 00:25:22,280
Speaker 2: went to this check coming hot, were out a good time.

582
00:25:25,160 --> 00:25:29,879
Speaker 2: But like then, everybody in Melbourne knows you go Byo Dumplings,

583
00:25:30,080 --> 00:25:32,399
Speaker 2: you go to the cheap dumplings places in the city,

584
00:25:32,520 --> 00:25:35,040
Speaker 2: you have a really good time. You're spending like eleven

585
00:25:35,080 --> 00:25:37,280
Speaker 2: dollars each or something on a plate of dumplings. You

586
00:25:37,359 --> 00:25:39,959
Speaker 2: got to b Yo Passion Pub and you had a

587
00:25:40,000 --> 00:25:42,879
Speaker 2: really good time. So for me, the experiences that I

588
00:25:42,920 --> 00:25:45,639
Speaker 2: created weren't dependent on how great the restaurant was, but

589
00:25:45,680 --> 00:25:48,040
Speaker 2: more who I was surrounded with than the experiences I

590
00:25:48,040 --> 00:25:50,520
Speaker 2: could have. And I just knew that I wouldn't be

591
00:25:50,720 --> 00:25:53,280
Speaker 2: as happy if I lived at home. Like for me,

592
00:25:53,600 --> 00:25:56,080
Speaker 2: my mental health needs to come first, and I don't

593
00:25:56,119 --> 00:25:58,520
Speaker 2: think and I'm a homebody as well, I don't think

594
00:25:58,680 --> 00:26:01,080
Speaker 2: it would be depending on fine dining and being able

595
00:26:01,080 --> 00:26:02,080
Speaker 2: to eat out and enjoy it.

596
00:26:02,160 --> 00:26:04,640
Speaker 4: Like, I don't know what was the consensus of the.

597
00:26:04,560 --> 00:26:06,080
Speaker 2: Group, what did everybody else stay.

598
00:26:06,240 --> 00:26:09,200
Speaker 3: So lots of people are saying I've actually done both.

599
00:26:10,880 --> 00:26:13,719
Speaker 3: And there was people that said, I'm living where I

600
00:26:13,760 --> 00:26:16,840
Speaker 3: hate to like can afford where I love and things

601
00:26:16,920 --> 00:26:19,439
Speaker 3: like that, but most people said the location that you

602
00:26:19,560 --> 00:26:22,960
Speaker 3: love and to kind of live on, you know, a

603
00:26:23,000 --> 00:26:25,800
Speaker 3: bit of a leaner budget, I'm guessing, would be the

604
00:26:25,840 --> 00:26:28,520
Speaker 3: sacrifice that most people would make. And I have to agree,

605
00:26:28,600 --> 00:26:31,760
Speaker 3: I just the same thing that you said, Victoria. I

606
00:26:31,880 --> 00:26:35,600
Speaker 3: just am so nourished by my location. And if I'm

607
00:26:35,600 --> 00:26:37,800
Speaker 3: not living in a place where I feel like I

608
00:26:37,840 --> 00:26:40,639
Speaker 3: can relax or feel happy, or I'm not near my mates.

609
00:26:40,680 --> 00:26:42,960
Speaker 3: You know, my boyfriend Torbes and I live right around

610
00:26:43,000 --> 00:26:44,960
Speaker 3: the corner from Ruyn and Bridget you know, our friends

611
00:26:44,960 --> 00:26:46,840
Speaker 3: of ours just move back to New Zealand, but they

612
00:26:46,840 --> 00:26:48,760
Speaker 3: lived just around the corner from us before that, and

613
00:26:49,160 --> 00:26:51,200
Speaker 3: I loved it because you know, you're just around them,

614
00:26:52,000 --> 00:26:55,600
Speaker 3: you can pop in. But it's interesting because people were like, actually,

615
00:26:55,680 --> 00:26:58,240
Speaker 3: it's a it's a really important question, I think now

616
00:26:58,240 --> 00:27:01,800
Speaker 3: that the narrative is changing around and taking care of

617
00:27:01,800 --> 00:27:04,800
Speaker 3: your mental health, and I just thought it was a

618
00:27:04,840 --> 00:27:08,160
Speaker 3: really great question to pose to you guys, because obviously

619
00:27:08,160 --> 00:27:11,320
Speaker 3: we're like all about being financially savvy and that kind

620
00:27:11,359 --> 00:27:14,000
Speaker 3: of thing, but actually if what you need to do

621
00:27:14,119 --> 00:27:19,120
Speaker 3: for you isn't maybe the best long term financial choice.

622
00:27:18,920 --> 00:27:21,240
Speaker 2: I think that's really important to note as well. And

623
00:27:21,440 --> 00:27:24,480
Speaker 2: you guys know that I purchased a property in late

624
00:27:24,840 --> 00:27:27,639
Speaker 2: twenty twenty, so that was all very exciting and a

625
00:27:27,720 --> 00:27:30,119
Speaker 2: goal that we've been working towards for a really long time.

626
00:27:30,560 --> 00:27:33,160
Speaker 2: That as part of that, you know, I was having

627
00:27:33,200 --> 00:27:35,840
Speaker 2: good conversations with my partner about what we could afford,

628
00:27:36,160 --> 00:27:39,320
Speaker 2: and we absolutely could afford something bigger and better and

629
00:27:39,480 --> 00:27:44,479
Speaker 2: newer and everything further out, but that's not what we wanted.

630
00:27:44,840 --> 00:27:47,119
Speaker 2: We knew that our lifestyle would change. We knew the

631
00:27:47,119 --> 00:27:49,200
Speaker 2: house we were going to purchase was definitely not going

632
00:27:49,240 --> 00:27:49,680
Speaker 2: to be as big.

633
00:27:49,960 --> 00:27:51,960
Speaker 4: We knew we'd have to have a red splash back if.

634
00:27:51,880 --> 00:27:53,760
Speaker 2: This is where we yeah, right, And it's kind of

635
00:27:53,800 --> 00:27:55,840
Speaker 2: like a running joke in our friends that our kitchen's

636
00:27:55,960 --> 00:27:59,000
Speaker 2: like super ugly, but I'm so great lack No, I mean,

637
00:27:59,040 --> 00:28:01,439
Speaker 2: the rest of it's not great. You haven't seen it

638
00:28:01,480 --> 00:28:04,240
Speaker 2: that close, but seriously, like, I'm so grateful for it,

639
00:28:04,280 --> 00:28:06,640
Speaker 2: and I adore everything about the house we have because

640
00:28:06,680 --> 00:28:09,800
Speaker 2: it affords me the lifestyle I want to live, not

641
00:28:09,880 --> 00:28:13,000
Speaker 2: necessarily the life whereas I've got a couple of girlfriends

642
00:28:13,200 --> 00:28:16,000
Speaker 2: they've moved far further out so that they can have

643
00:28:16,080 --> 00:28:18,800
Speaker 2: really big, beautiful homes, and like, I'll never have a

644
00:28:18,800 --> 00:28:21,080
Speaker 2: home that big because I'll never be able to afford it.

645
00:28:21,240 --> 00:28:23,919
Speaker 2: And that's okay, and I'm totally fine with that, but

646
00:28:24,000 --> 00:28:26,359
Speaker 2: that's just me going, Hey, i'd really like to be

647
00:28:26,400 --> 00:28:28,439
Speaker 2: able to get to work in ten and fifteen minutes.

648
00:28:28,640 --> 00:28:30,959
Speaker 2: I don't want to spend time in traffic like that

649
00:28:31,000 --> 00:28:33,439
Speaker 2: would really upset me. And I feel like that weighs

650
00:28:33,480 --> 00:28:35,679
Speaker 2: really heavily on me because I've done it before and

651
00:28:35,760 --> 00:28:38,000
Speaker 2: I know that that's not for me, and my partner

652
00:28:38,040 --> 00:28:38,720
Speaker 2: knows the same.

653
00:28:39,320 --> 00:28:41,360
Speaker 4: Now that you've put it in that context, I've actually

654
00:28:41,440 --> 00:28:43,960
Speaker 4: made this decision because we are looking for a crappy

655
00:28:43,960 --> 00:28:47,520
Speaker 4: house closer to town because she's originally I was wearing

656
00:28:47,600 --> 00:28:49,160
Speaker 4: out back northern Territory too.

657
00:28:50,040 --> 00:28:53,960
Speaker 2: I think has changed from like would you prefer and like,

658
00:28:54,080 --> 00:28:56,480
Speaker 2: this is why that question was so hard to conceptualize,

659
00:28:56,480 --> 00:28:58,480
Speaker 2: because I thought, Okay, you're saying I can have a

660
00:28:58,480 --> 00:29:00,640
Speaker 2: super boogie job and live in New but I'll never

661
00:29:00,640 --> 00:29:02,200
Speaker 2: be able to see my family. Is that where we're

662
00:29:02,200 --> 00:29:07,239
Speaker 2: going with this? But I think, Yeah, I interpreted in

663
00:29:07,280 --> 00:29:09,640
Speaker 2: a different way, and it's kind of like, you know,

664
00:29:09,960 --> 00:29:12,480
Speaker 2: maybe we do want the small inner city apartment because

665
00:29:12,520 --> 00:29:14,840
Speaker 2: of the lifestyle it affords us, even though that same

666
00:29:14,880 --> 00:29:17,800
Speaker 2: rent could get us much further out a big home

667
00:29:17,880 --> 00:29:20,680
Speaker 2: that we could live our best life in. But like,

668
00:29:20,720 --> 00:29:22,360
Speaker 2: what if you're not a homebody and you go out

669
00:29:22,360 --> 00:29:24,479
Speaker 2: all the time and you're exactly like Ryan, Like I

670
00:29:24,520 --> 00:29:27,040
Speaker 2: can't imagine you're not eating out. I swear he eats

671
00:29:27,080 --> 00:29:27,760
Speaker 2: up most nights.

672
00:29:28,000 --> 00:29:29,200
Speaker 4: Yeah, just not a great cook.

673
00:29:29,240 --> 00:29:31,320
Speaker 3: But it's no. But it's also like a choice that

674
00:29:31,360 --> 00:29:33,160
Speaker 3: you make and that's part of your values, and you

675
00:29:33,200 --> 00:29:36,120
Speaker 3: build that into your budget because that's something that you

676
00:29:36,200 --> 00:29:36,640
Speaker 3: love to do.

677
00:29:36,760 --> 00:29:38,480
Speaker 4: On the record that I don't go out that much,

678
00:29:38,600 --> 00:29:41,720
Speaker 4: like a few times a week.

679
00:29:41,240 --> 00:29:43,520
Speaker 2: Out during the week. Did he eat out for dinner

680
00:29:43,560 --> 00:29:46,040
Speaker 2: on Monday night? Did he eat out for dinner on

681
00:29:46,080 --> 00:29:46,680
Speaker 2: Tuesday night?

682
00:29:47,320 --> 00:29:49,000
Speaker 3: Yeah? You did? I think you went to Baby Pizza

683
00:29:49,080 --> 00:29:49,800
Speaker 3: on Tuesday night?

684
00:29:49,880 --> 00:29:51,600
Speaker 2: Yeah, okay, I'll just stop there.

685
00:29:51,880 --> 00:29:52,760
Speaker 3: Yeah that's enough.

686
00:29:53,880 --> 00:29:56,920
Speaker 4: Are wear very cheap T shirts to pay for nights pizza?

687
00:29:58,320 --> 00:30:00,040
Speaker 2: But I like that, and I think that that's what

688
00:30:00,120 --> 00:30:03,400
Speaker 2: this podcast in this community is about. Like I love that.

689
00:30:03,520 --> 00:30:06,600
Speaker 3: You do that because you know that it's what you.

690
00:30:06,560 --> 00:30:09,600
Speaker 2: Want to do, but other people don't, and that's cool,

691
00:30:09,640 --> 00:30:11,560
Speaker 2: and we get to learn from you. And then Tony's

692
00:30:11,640 --> 00:30:14,040
Speaker 2: values are different, and then my values are different. And

693
00:30:14,280 --> 00:30:16,440
Speaker 2: you know, I think that that's what makes this community

694
00:30:16,560 --> 00:30:19,680
Speaker 2: so bright and vibrant. It's we kind of don't mind

695
00:30:19,720 --> 00:30:22,000
Speaker 2: what you do as long as you're happy. But throughout

696
00:30:22,000 --> 00:30:25,200
Speaker 2: the duration of this podcast, we've learned a lot about

697
00:30:25,440 --> 00:30:27,680
Speaker 2: other people's values and what they do. And I think

698
00:30:27,720 --> 00:30:30,160
Speaker 2: a good example of this is the Fire movement. So

699
00:30:30,240 --> 00:30:34,000
Speaker 2: the financial independence retire early and they say, like eighty

700
00:30:34,040 --> 00:30:37,560
Speaker 2: percent of their incomes insane. I could never so disappointment,

701
00:30:37,600 --> 00:30:38,120
Speaker 2: whereas there.

702
00:30:38,040 --> 00:30:40,440
Speaker 4: Are some annoyingly impressive Yeah, and there are.

703
00:30:40,320 --> 00:30:43,440
Speaker 2: Some great people in our community who do and are great,

704
00:30:43,480 --> 00:30:46,400
Speaker 2: and they're going to be retiring before forty and it's

705
00:30:46,480 --> 00:30:48,920
Speaker 2: it's just so impressive. I know that's not going to

706
00:30:49,000 --> 00:30:51,160
Speaker 2: work for me because I really do value my lifestyle

707
00:30:51,200 --> 00:30:53,160
Speaker 2: and do value the things that make get happy and

708
00:30:53,200 --> 00:30:56,280
Speaker 2: nourish me and my partner. And yeah, like, I'm not

709
00:30:56,280 --> 00:30:59,560
Speaker 2: going to change that, even though they go, yeah, but Victoria,

710
00:30:59,560 --> 00:31:02,120
Speaker 2: you could tire at forty I go, great, that's not

711
00:31:02,200 --> 00:31:02,760
Speaker 2: worth it to me.

712
00:31:02,960 --> 00:31:05,200
Speaker 4: If people have seen the house to a YouTube video

713
00:31:05,240 --> 00:31:08,600
Speaker 4: that Victoria and I did at Victoria's house, what room

714
00:31:08,680 --> 00:31:11,480
Speaker 4: was the most commented on, which would also stop you

715
00:31:11,520 --> 00:31:14,120
Speaker 4: retiring early? The shoes room.

716
00:31:14,480 --> 00:31:19,800
Speaker 2: Oh let's cut this fit out? No, but like, I

717
00:31:19,840 --> 00:31:23,920
Speaker 2: do really like shoes. But that's my value. And because

718
00:31:23,960 --> 00:31:25,600
Speaker 2: I respect you, guys respect me.

719
00:31:26,160 --> 00:31:28,440
Speaker 4: Oh I did, They're all like, well, victoria'said, that's my.

720
00:31:29,320 --> 00:31:31,880
Speaker 2: Seriously like, and I think that that's really important as well.

721
00:31:31,920 --> 00:31:34,400
Speaker 2: And I'll always be really open and honest about things

722
00:31:34,400 --> 00:31:36,480
Speaker 2: and share with you the things that I love because

723
00:31:36,760 --> 00:31:39,760
Speaker 2: I'm not some robot who's like, Okay, well, you know

724
00:31:39,920 --> 00:31:42,080
Speaker 2: you need to cut back on coffees, Tony because you

725
00:31:42,080 --> 00:31:43,960
Speaker 2: could save an extra twelve hundred dollars a year. And

726
00:31:44,000 --> 00:31:45,520
Speaker 2: do you know what twelve hundred dollars is going to

727
00:31:45,520 --> 00:31:48,720
Speaker 2: be worth when you're sixty five? Like cool? Let me

728
00:31:48,920 --> 00:31:51,680
Speaker 2: know that if I saved more, that's what that meant.

729
00:31:51,800 --> 00:31:53,600
Speaker 2: And you know, one of the things that we've used

730
00:31:53,640 --> 00:31:55,880
Speaker 2: as an example on this podcast before is if you

731
00:31:56,240 --> 00:32:00,520
Speaker 2: saved twenty seven dollars fifty a day, ten thousand dollars

732
00:32:00,520 --> 00:32:02,920
Speaker 2: in a year, like that's really impressive. But I want

733
00:32:02,960 --> 00:32:05,600
Speaker 2: to arm you with those tools and resources so that

734
00:32:05,640 --> 00:32:08,239
Speaker 2: then you can apply that to your situation, not so

735
00:32:08,280 --> 00:32:09,560
Speaker 2: I can say, okay, cool.

736
00:32:09,400 --> 00:32:10,400
Speaker 3: Don't drink coffee anymore.

737
00:32:10,400 --> 00:32:13,640
Speaker 2: Don'tdrin coffee anymore. And also, your grocery budget should only

738
00:32:13,680 --> 00:32:15,880
Speaker 2: be X and Y and don't spend on this, but

739
00:32:15,960 --> 00:32:16,680
Speaker 2: do spend on that?

740
00:32:16,880 --> 00:32:18,920
Speaker 3: And how many times have you ordered ob rates? Cut

741
00:32:18,960 --> 00:32:21,400
Speaker 3: that out? Yeah, you love getting oberts, do it, but

742
00:32:21,560 --> 00:32:23,280
Speaker 3: just think about it and put it into your budget.

743
00:32:23,560 --> 00:32:26,160
Speaker 2: Is it a light like this goes back to my

744
00:32:26,760 --> 00:32:29,240
Speaker 2: number one thing that I've said since the start of

745
00:32:29,320 --> 00:32:31,479
Speaker 2: this podcast. Is it aligned to your values?

746
00:32:31,600 --> 00:32:32,080
Speaker 3: Exactly?

747
00:32:32,320 --> 00:32:35,240
Speaker 2: Cool? Is it great? Yes, fantastic. I'm not going to

748
00:32:35,280 --> 00:32:37,520
Speaker 2: question you any further. If your honor, thank you.

749
00:32:37,560 --> 00:32:39,320
Speaker 4: Victoria has rested her case, I.

750
00:32:39,320 --> 00:32:40,080
Speaker 2: Rest my case.

751
00:32:41,320 --> 00:32:43,560
Speaker 3: Well, then I want to go into our wins and

752
00:32:43,600 --> 00:32:44,480
Speaker 3: go why do.

753
00:32:44,480 --> 00:32:46,800
Speaker 2: You have to bring it down like that? Sorry, let's

754
00:32:46,840 --> 00:32:49,200
Speaker 2: start with Ryan because he's been awfully quiet over there.

755
00:32:49,320 --> 00:32:50,800
Speaker 4: I got too, Mini wins.

756
00:32:50,640 --> 00:32:53,800
Speaker 2: Mini wins, Oh my gosh, can we start doing that?

757
00:32:53,880 --> 00:32:54,479
Speaker 2: Mini WANs?

758
00:32:54,520 --> 00:32:57,680
Speaker 4: First of all, on Becoming a God in Central Florida.

759
00:32:57,720 --> 00:32:59,120
Speaker 4: That's the name of a show on Netflix. O.

760
00:32:59,240 --> 00:32:59,960
Speaker 3: Yep, you've been banging.

761
00:33:00,360 --> 00:33:03,720
Speaker 4: It's got Kristen Kirston Dunst Kristen Kurston Dunst, and it's

762
00:33:03,760 --> 00:33:08,800
Speaker 4: about like a pyramid scheme in an all. It's a

763
00:33:08,880 --> 00:33:11,880
Speaker 4: dark comedy. It's hilarious, but it's also fascinating to see

764
00:33:12,080 --> 00:33:14,480
Speaker 4: like kind of the insides of the pyramid schemes back

765
00:33:14,520 --> 00:33:17,440
Speaker 4: in Florida and the eighties and stuff. Yeah, it's juicy.

766
00:33:17,520 --> 00:33:20,360
Speaker 2: So there's such a good podcast called The Dream. I

767
00:33:20,360 --> 00:33:22,320
Speaker 2: don't know if you listened to that as well. Jim

768
00:33:22,400 --> 00:33:24,360
Speaker 2: Duggan recommended it when he was in the studio.

769
00:33:24,400 --> 00:33:28,480
Speaker 4: Would a flex that class very reliable and considering a

770
00:33:28,520 --> 00:33:30,239
Speaker 4: lot of people in the country are lockdown. If you've

771
00:33:30,280 --> 00:33:32,000
Speaker 4: got time, go and check that because it is actually

772
00:33:32,080 --> 00:33:33,680
Speaker 4: quite interesting as well as hilarious.

773
00:33:33,800 --> 00:33:37,520
Speaker 2: Tony and I will watch it, maybe together, maybe independently.

774
00:33:37,600 --> 00:33:39,680
Speaker 2: We'll report back in next Friday Drinks episode.

775
00:33:39,840 --> 00:33:42,560
Speaker 4: My other mini win and this is like a really

776
00:33:42,640 --> 00:33:44,240
Speaker 4: lame adulting kind of win.

777
00:33:44,640 --> 00:33:45,800
Speaker 3: No, no, I love that.

778
00:33:45,840 --> 00:33:47,920
Speaker 2: There's no such thing as lame adulting wins.

779
00:33:48,080 --> 00:33:50,160
Speaker 4: By the way, my wife Rigid and I got three

780
00:33:50,200 --> 00:33:51,760
Speaker 4: hundred dollars off a washer dryer.

781
00:33:53,360 --> 00:33:59,200
Speaker 5: We got a washing machine and lame and guess what

782
00:33:59,240 --> 00:34:02,360
Speaker 5: they threw in for a little thing so you can

783
00:34:02,360 --> 00:34:03,800
Speaker 5: stack them on top of each other, so it's like

784
00:34:03,800 --> 00:34:04,280
Speaker 5: a little kit.

785
00:34:04,360 --> 00:34:06,760
Speaker 4: So it like sits in like lego, like it clips

786
00:34:06,800 --> 00:34:07,160
Speaker 4: into it.

787
00:34:07,560 --> 00:34:09,560
Speaker 3: You don't have to mount them or anything. They're literally

788
00:34:09,600 --> 00:34:10,440
Speaker 3: just like in there together.

789
00:34:10,560 --> 00:34:13,000
Speaker 4: Yeah, and they sit on and the thing pulls out

790
00:34:13,040 --> 00:34:14,080
Speaker 4: and you can use it as a little bench.

791
00:34:14,360 --> 00:34:16,120
Speaker 3: How sad that we're excited by that.

792
00:34:16,120 --> 00:34:17,279
Speaker 2: That's actually real cool.

793
00:34:17,400 --> 00:34:19,239
Speaker 4: Yeah. See if you guys a change a tune. And

794
00:34:19,280 --> 00:34:20,960
Speaker 4: at first I was like, am I really spending my

795
00:34:20,960 --> 00:34:22,719
Speaker 4: Saturday going to buy this? And then I got home,

796
00:34:22,760 --> 00:34:24,600
Speaker 4: I was like, we've got the extra features, We've got

797
00:34:24,640 --> 00:34:26,040
Speaker 4: this thing. This guy's going to bring it over, have

798
00:34:26,120 --> 00:34:28,160
Speaker 4: to make room. So I was really excited to get

799
00:34:28,200 --> 00:34:30,160
Speaker 4: a couple of hundred bucks off. And just as a

800
00:34:30,200 --> 00:34:32,640
Speaker 4: tip always with that kind of stuff, you just say,

801
00:34:33,080 --> 00:34:34,200
Speaker 4: oh can you do it for cheaper?

802
00:34:34,320 --> 00:34:35,840
Speaker 2: Oh yeah, my best price?

803
00:34:36,000 --> 00:34:38,000
Speaker 4: Yeah, And we probably did that a few times and

804
00:34:38,040 --> 00:34:40,360
Speaker 4: then they kind of I'll just get on the computer

805
00:34:40,440 --> 00:34:42,440
Speaker 4: and oh maybe we can chuck fifty off that And

806
00:34:42,440 --> 00:34:44,920
Speaker 4: I go, oh, can you throw in that extra thing included? Yeah?

807
00:34:44,960 --> 00:34:46,120
Speaker 4: Oh yeah, I guess.

808
00:34:45,880 --> 00:34:48,640
Speaker 3: You're a real grown up. When you're I can't do that,

809
00:34:48,719 --> 00:34:49,279
Speaker 3: I do it.

810
00:34:49,440 --> 00:34:52,680
Speaker 2: I can't do that, cringing, I can't. It gives me

811
00:34:52,719 --> 00:34:54,840
Speaker 2: the he be GBI's like, I just I wish I

812
00:34:54,920 --> 00:34:58,120
Speaker 2: could just be nice just give him the money. Yeah, yeah, yeah,

813
00:34:58,160 --> 00:35:00,239
Speaker 2: But do you know what my favorite tip there is,

814
00:35:00,520 --> 00:35:03,760
Speaker 2: if you're in a store making a big purchasing decision,

815
00:35:03,840 --> 00:35:07,239
Speaker 2: like a washer dryer or whatever it is, google the

816
00:35:07,239 --> 00:35:10,759
Speaker 2: code of the item. I'm not saying by it from

817
00:35:10,760 --> 00:35:13,879
Speaker 2: somewhere else, but get the cheapest one and be like, oh, hey,

818
00:35:13,920 --> 00:35:15,120
Speaker 2: do you price match online?

819
00:35:15,120 --> 00:35:15,440
Speaker 4: It's this?

820
00:35:15,960 --> 00:35:18,719
Speaker 2: Well yeah, and then the ninety nine point nine five

821
00:35:18,760 --> 00:35:20,680
Speaker 2: percent of the time they'll go, yeah, no problems, and

822
00:35:20,719 --> 00:35:22,640
Speaker 2: they'll give you the cheapest version of it for the

823
00:35:22,760 --> 00:35:23,600
Speaker 2: cheapest price in.

824
00:35:23,719 --> 00:35:26,160
Speaker 4: Store was actually a bit more than online. So Bridge

825
00:35:26,160 --> 00:35:27,960
Speaker 4: got her phone out and said, or online it says this,

826
00:35:28,200 --> 00:35:31,200
Speaker 4: Oh that's sassy. Yeah, that's some powerplays going on.

827
00:35:31,239 --> 00:35:31,920
Speaker 2: So I love that.

828
00:35:32,200 --> 00:35:33,640
Speaker 4: I love that what you got?

829
00:35:33,719 --> 00:35:36,520
Speaker 2: All right? So it was my mum's birthday last week,

830
00:35:36,560 --> 00:35:41,239
Speaker 2: having birthday, no happy birthday, Judice, and instead of going

831
00:35:41,320 --> 00:35:44,000
Speaker 2: so we went out for lunch. But like usually birthdays

832
00:35:44,040 --> 00:35:47,759
Speaker 2: in our family add up not to like not hectically,

833
00:35:47,840 --> 00:35:49,520
Speaker 2: but it's one of those things where you know, my

834
00:35:49,600 --> 00:35:51,960
Speaker 2: sister has a partner, I've got a partner. We're all

835
00:35:51,960 --> 00:35:54,680
Speaker 2: adults now, so like we're never around at the same time.

836
00:35:54,760 --> 00:35:57,160
Speaker 2: So we're planning on doing a Sunday lunch, but I

837
00:35:57,280 --> 00:35:59,760
Speaker 2: was going down the night before to stay at my parents' place.

838
00:36:00,200 --> 00:36:01,960
Speaker 2: If we go out for dinner or get takeaway, that's

839
00:36:01,960 --> 00:36:05,000
Speaker 2: going to be so expensive. So I cooked dinner for

840
00:36:05,080 --> 00:36:08,000
Speaker 2: my parents before we left, and then I took it

841
00:36:08,040 --> 00:36:11,000
Speaker 2: down to my parents play yeah, and I made this

842
00:36:11,040 --> 00:36:13,520
Speaker 2: little picnic and we had this like I bought a

843
00:36:13,560 --> 00:36:16,160
Speaker 2: nice bottle of wine and I like served them dinner

844
00:36:16,200 --> 00:36:18,160
Speaker 2: that I had already cooked at my house so there

845
00:36:18,200 --> 00:36:20,600
Speaker 2: was no mess, and you know, we played board games

846
00:36:20,640 --> 00:36:22,920
Speaker 2: and it was really lame base so grown up, yeah

847
00:36:22,960 --> 00:36:29,040
Speaker 2: it was, but yeah, but it was really exciting because one,

848
00:36:29,120 --> 00:36:31,880
Speaker 2: I got to cook something and I love cooking. But two,

849
00:36:32,080 --> 00:36:34,400
Speaker 2: we didn't have to go out or order takeaway, and

850
00:36:34,440 --> 00:36:36,279
Speaker 2: I knew exactly what we were getting because I'm a

851
00:36:36,320 --> 00:36:38,520
Speaker 2: control freak. And it was just so nice to turn

852
00:36:38,560 --> 00:36:40,319
Speaker 2: up and be like, oh, I've cooked dinner, and like

853
00:36:40,440 --> 00:36:42,040
Speaker 2: they were super excited about.

854
00:36:41,840 --> 00:36:43,920
Speaker 3: It too, because it was like a nice surprise. Oh

855
00:36:44,000 --> 00:36:46,760
Speaker 3: that's a great a great win and a great gift

856
00:36:46,800 --> 00:36:48,799
Speaker 3: for your mum as well, Like she would have loved that.

857
00:36:48,960 --> 00:36:51,600
Speaker 2: I think they did. And we played Round Me Club anyway.

858
00:36:51,719 --> 00:36:53,719
Speaker 2: I like that game. My parents liked that game. I'm

859
00:36:53,760 --> 00:36:55,600
Speaker 2: really lame, Tony. Can you please save this?

860
00:36:56,320 --> 00:36:58,600
Speaker 3: Oh I don't know if I can. I've got like

861
00:36:58,640 --> 00:37:00,719
Speaker 3: a money confession, but life win.

862
00:37:01,840 --> 00:37:03,719
Speaker 2: So a life win that because I went to my

863
00:37:03,760 --> 00:37:06,280
Speaker 2: parents place. My mum said, I'm getting heaps of lemons,

864
00:37:06,280 --> 00:37:08,719
Speaker 2: getting heaps of lemons because she sent heaps home for you.

865
00:37:08,800 --> 00:37:11,640
Speaker 3: Yeah, that's that's that's my money win this week. Judy's

866
00:37:11,680 --> 00:37:14,800
Speaker 3: given me a lot of lemons. No, So, my favorite

867
00:37:15,280 --> 00:37:16,000
Speaker 3: artist in the.

868
00:37:15,960 --> 00:37:16,799
Speaker 4: World is Lord.

869
00:37:17,000 --> 00:37:18,799
Speaker 2: It is I love Lord so.

870
00:37:18,920 --> 00:37:21,879
Speaker 3: Much every year on Spotify, I mean the top two

871
00:37:21,880 --> 00:37:26,200
Speaker 3: percent of law listeners. Well really, yeah, I love Lord.

872
00:37:26,280 --> 00:37:28,520
Speaker 2: Can we get Lord on a money diary? Like can

873
00:37:28,560 --> 00:37:32,840
Speaker 2: we manifest that Jessica Richie's style and try and manifest

874
00:37:32,920 --> 00:37:34,320
Speaker 2: Lord onto our podcast?

875
00:37:34,360 --> 00:37:37,799
Speaker 3: I would do anything, put a call out if she said,

876
00:37:37,800 --> 00:37:40,440
Speaker 3: all right, I'll do it. If Tony gets Lord tattooed

877
00:37:40,440 --> 00:37:41,440
Speaker 3: on her body, I would do it.

878
00:37:41,719 --> 00:37:43,480
Speaker 2: Like that is a big.

879
00:37:43,280 --> 00:37:45,759
Speaker 4: Call is angling? For work to pay for a tattoo. Yeah.

880
00:37:45,880 --> 00:37:47,520
Speaker 3: Yeah, I really want to get a Lord tattooed. No,

881
00:37:47,920 --> 00:37:50,839
Speaker 3: she listens to the podcast, Well maybe she does listen

882
00:37:50,880 --> 00:37:52,200
Speaker 3: to it all listening.

883
00:37:52,320 --> 00:37:54,720
Speaker 2: Do you know DJ Tiger Lily listens to the podcast.

884
00:37:54,800 --> 00:37:56,399
Speaker 2: We obviously had her on. You had her on.

885
00:37:56,440 --> 00:37:58,759
Speaker 3: Cush is an og I know? Which is so cool?

886
00:37:58,880 --> 00:38:01,240
Speaker 2: People do cool? No, you're not cool. Where the people

887
00:38:01,239 --> 00:38:02,239
Speaker 2: that listen are cool.

888
00:38:02,440 --> 00:38:04,120
Speaker 3: Every person that listens is cool.

889
00:38:04,160 --> 00:38:05,759
Speaker 4: She's had in the same chair you're sitting in town.

890
00:38:06,800 --> 00:38:11,280
Speaker 3: Hello, she did anyway, So I love Lord. And about

891
00:38:11,280 --> 00:38:13,479
Speaker 3: two weeks ago, when she announced she was going on tour,

892
00:38:13,560 --> 00:38:15,920
Speaker 3: I opened all the tabs up on my laptop so

893
00:38:15,960 --> 00:38:19,600
Speaker 3: that I could try and get tickets. I had three

894
00:38:19,680 --> 00:38:22,239
Speaker 3: logins to three different pre sales that I was going

895
00:38:22,280 --> 00:38:25,560
Speaker 3: to try and access, and I got some tickets. So

896
00:38:25,719 --> 00:38:28,800
Speaker 3: money confession because it was two hundred dollars like two

897
00:38:28,840 --> 00:38:29,520
Speaker 3: tickets or whatever.

898
00:38:30,239 --> 00:38:33,080
Speaker 2: But like SLF care confession, I'm not a confession at all.

899
00:38:33,120 --> 00:38:35,160
Speaker 2: It's l week because you would have had that in

900
00:38:35,200 --> 00:38:35,680
Speaker 2: your budget.

901
00:38:35,719 --> 00:38:37,840
Speaker 3: Because I loved it and I was really excited, And

902
00:38:37,880 --> 00:38:39,719
Speaker 3: as soon as she announced it, I was like, yes,

903
00:38:39,880 --> 00:38:41,840
Speaker 3: we are going to that and that to my boyfriend

904
00:38:42,160 --> 00:38:43,240
Speaker 3: and we're going.

905
00:38:43,239 --> 00:38:46,760
Speaker 2: And low key the whole team's excited about it because

906
00:38:46,760 --> 00:38:48,040
Speaker 2: we're going to stop hearing about it.

907
00:38:48,080 --> 00:38:50,120
Speaker 3: Yeah, because now I can stop being like, guys, don't

908
00:38:50,120 --> 00:38:52,080
Speaker 3: forget to remind me that at ten to ten, I've

909
00:38:52,080 --> 00:38:53,839
Speaker 3: got to buy the tickets a lord, because it's going

910
00:38:53,880 --> 00:38:54,160
Speaker 3: to go on.

911
00:38:54,280 --> 00:38:57,480
Speaker 2: So yeah, that's exactly what's been happening in this week.

912
00:38:57,800 --> 00:38:59,880
Speaker 2: And with that, I think that that is more than

913
00:39:00,480 --> 00:39:02,640
Speaker 2: But just before we head off, we'd like to acknowledge

914
00:39:02,680 --> 00:39:06,520
Speaker 2: and pay respect to Australia's Aboriginal and Torrest Straight islander peoples.

915
00:39:06,520 --> 00:39:09,480
Speaker 2: They're the traditional custodians at the lands, the waterways and

916
00:39:09,520 --> 00:39:12,800
Speaker 2: the skies all across Australia. We thank you for sharing

917
00:39:12,840 --> 00:39:14,480
Speaker 2: and for caring for the land on which we are

918
00:39:14,520 --> 00:39:17,040
Speaker 2: able to learn. We pay our respects to elders past

919
00:39:17,160 --> 00:39:19,880
Speaker 2: and present, and we share our friendship and our kindness.

920
00:39:20,160 --> 00:39:22,640
Speaker 3: The advice shared on She's on the Money is generally

921
00:39:22,719 --> 00:39:26,319
Speaker 3: nature and does not consider your individual circumstances. She's on

922
00:39:26,360 --> 00:39:29,440
Speaker 3: the Money exists purely for educational purposes and should not

923
00:39:29,480 --> 00:39:32,360
Speaker 3: be relied upon to make an investment or financial decision.

924
00:39:32,719 --> 00:39:35,880
Speaker 3: And we promise Victoria Divine is an authorized representative of

925
00:39:35,920 --> 00:39:39,920
Speaker 3: Australia Pacific Funds Management Proprietary Limited ABN three four one

926
00:39:39,960 --> 00:39:42,960
Speaker 3: three two four six three two five seven AFSL three

927
00:39:43,000 --> 00:39:44,439
Speaker 3: three eight nine one five one.

928
00:39:44,480 --> 00:39:47,360
Speaker 4: And if you don't like getting your financial information in

929
00:39:47,400 --> 00:39:50,440
Speaker 4: an audio form, and perhaps like the written form, why

930
00:39:50,480 --> 00:39:53,400
Speaker 4: wouldn't you buy the book? The highest selling book in

931
00:39:53,480 --> 00:39:56,640
Speaker 4: Australia over the last few weeks. It's called She's on

932
00:39:56,680 --> 00:39:58,960
Speaker 4: the Money. It's by Victoria Divine. It's in all good

933
00:39:58,960 --> 00:40:01,759
Speaker 4: bookstores some of the crap to, or you can buy it.

934
00:40:01,680 --> 00:40:06,439
Speaker 2: Online, yea, some of the crap ones to. Yeah, yeah,

935
00:40:06,480 --> 00:40:08,759
Speaker 2: they do, they do. I don't think there's such things

936
00:40:08,800 --> 00:40:10,200
Speaker 2: as a crap bookstore.

937
00:40:09,760 --> 00:40:11,200
Speaker 3: Ryan, not if they're selling your book.

938
00:40:12,560 --> 00:40:13,840
Speaker 2: I'll see you next week, guys,