1 00:00:00,640 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your 2 00:00:04,920 --> 00:00:08,639 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,640 --> 00:00:11,119 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,280 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:18,079 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,280 --> 00:00:26,920 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,040 --> 00:00:30,080 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,200 --> 00:00:32,599 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,280 --> 00:00:34,080 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:54,000 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,800 --> 00:01:00,760 Speaker 4: Hello, and welcome to She's on the Money the podcast 13 00:01:00,840 --> 00:01:04,680 Speaker 4: Maliles who want Financial Freedom. Welcome back to another shot 14 00:01:04,760 --> 00:01:07,039 Speaker 4: back money Diary Monday, where we get to chat to 15 00:01:07,040 --> 00:01:09,200 Speaker 4: one of our community members to learn more about them 16 00:01:09,240 --> 00:01:13,880 Speaker 4: and their lives and most importantly, their finances. Victoria, Today, 17 00:01:13,959 --> 00:01:15,520 Speaker 4: I've got a good one for you. 18 00:01:15,560 --> 00:01:16,000 Speaker 2: Do you want to hear? 19 00:01:16,160 --> 00:01:16,319 Speaker 5: Oh? 20 00:01:16,360 --> 00:01:18,520 Speaker 2: I haven't heard that line in a while. I have 21 00:01:18,640 --> 00:01:19,880 Speaker 2: no doubt it's good though. 22 00:01:20,400 --> 00:01:22,320 Speaker 4: Let me tell you all about our diarists, She says. 23 00:01:22,680 --> 00:01:25,679 Speaker 4: I am a dedicated humanities and social sciences teacher with 24 00:01:25,720 --> 00:01:29,600 Speaker 4: a commitment to evoking a passion for social justice, especially 25 00:01:29,680 --> 00:01:32,280 Speaker 4: equality for women. I am a director on a board 26 00:01:32,319 --> 00:01:36,280 Speaker 4: of a nonprofit NDIS service provider, challenging the status quo 27 00:01:36,319 --> 00:01:39,560 Speaker 4: for recruitment in this space. Life is not without challenges, 28 00:01:39,600 --> 00:01:43,880 Speaker 4: including managing a chronic health condition, endemitriosis, with the ever 29 00:01:43,959 --> 00:01:48,480 Speaker 4: increasing demands of my teaching role. Dmitriosis strikes women financially 30 00:01:48,520 --> 00:01:51,680 Speaker 4: in a number of ways, including in applying for personal insurance. 31 00:01:52,120 --> 00:01:54,000 Speaker 4: I am privileged to be able to work full time, 32 00:01:54,080 --> 00:01:57,080 Speaker 4: but I'm aware that so many other endometriosis warriors are 33 00:01:57,120 --> 00:02:00,000 Speaker 4: not so fortunate. Thank you for reading a small snapshot 34 00:02:00,120 --> 00:02:01,280 Speaker 4: of my personal story. 35 00:02:01,440 --> 00:02:03,360 Speaker 2: Oh my gosh, I want to know so much more. 36 00:02:03,400 --> 00:02:05,160 Speaker 2: Money dorist, welcome to the show. 37 00:02:05,560 --> 00:02:06,720 Speaker 5: Thank you so much, Victoria. 38 00:02:07,120 --> 00:02:09,480 Speaker 2: Oh my gosh, no, thank you for coming. Oh let's 39 00:02:09,560 --> 00:02:11,480 Speaker 2: dive straight in. I want to know more about your 40 00:02:11,480 --> 00:02:13,519 Speaker 2: money story. Please elaborate, my friend. 41 00:02:13,880 --> 00:02:16,359 Speaker 5: I guess, yeah, my story is kind of diverse. It's 42 00:02:16,360 --> 00:02:18,480 Speaker 5: a little bit different. You could say I have one 43 00:02:18,480 --> 00:02:21,920 Speaker 5: of those stock standard public service kind of professions, but 44 00:02:22,040 --> 00:02:26,160 Speaker 5: outside of that, I'm also heavily involved in volunteering, and 45 00:02:26,200 --> 00:02:30,440 Speaker 5: I'm also facing the day to day challenges of having 46 00:02:30,440 --> 00:02:32,840 Speaker 5: a chronic health condition. So yeah, I feel like I 47 00:02:32,880 --> 00:02:36,200 Speaker 5: could share a few tips and a few experiences. 48 00:02:36,280 --> 00:02:39,480 Speaker 2: Of course you can. How long have you been working 49 00:02:39,600 --> 00:02:41,680 Speaker 2: because obviously I don't want to elaborate too much, but 50 00:02:41,919 --> 00:02:44,359 Speaker 2: how long have you been working? And I guess how 51 00:02:44,400 --> 00:02:45,760 Speaker 2: long have you known about your ENDO? 52 00:02:46,200 --> 00:02:48,919 Speaker 5: Yeah? So I've been teaching, I mean my eighth year now, 53 00:02:48,960 --> 00:02:51,840 Speaker 5: which sounds crazy. It just it's gone so quickly. I 54 00:02:51,880 --> 00:02:53,960 Speaker 5: had to actually look it up before I spoke to 55 00:02:53,960 --> 00:02:58,280 Speaker 5: you guys today, and my indo matrices diagnosis. I was 56 00:02:58,280 --> 00:03:02,160 Speaker 5: fifteen at the time now, so almost fifteen years. It's 57 00:03:02,200 --> 00:03:04,760 Speaker 5: definitely been a huge part of my life. But fortunately 58 00:03:04,800 --> 00:03:08,600 Speaker 5: for me, I was diagnosed early and was given that opportunity, 59 00:03:08,639 --> 00:03:11,760 Speaker 5: whereas so many other women I speak to go many 60 00:03:11,800 --> 00:03:14,200 Speaker 5: many years without any diagnosis. Yeah. 61 00:03:14,280 --> 00:03:16,280 Speaker 2: Wow, all right, we want to know what do you 62 00:03:16,280 --> 00:03:18,040 Speaker 2: do for work? How much money do you earn? 63 00:03:18,200 --> 00:03:20,919 Speaker 5: So I'm a high school teacher and I earn one 64 00:03:20,960 --> 00:03:24,919 Speaker 5: hundred and nine thousand gross per annum plus super anuay. 65 00:03:25,120 --> 00:03:26,280 Speaker 2: Now how good is that? 66 00:03:26,600 --> 00:03:30,600 Speaker 5: Yeah, it's a quality of room uneration, but it's definitely 67 00:03:30,600 --> 00:03:33,160 Speaker 5: something that's stepped so it's a salary. So as you 68 00:03:33,240 --> 00:03:37,240 Speaker 5: build experience and accreditation, then your wage grows as a teacher. 69 00:03:37,960 --> 00:03:40,240 Speaker 2: Oh of course. And you said before you've done it 70 00:03:40,280 --> 00:03:44,120 Speaker 2: for eight years now, which I can absolutely sympathize with 71 00:03:44,240 --> 00:03:46,240 Speaker 2: In a way. I was thinking about how long I've 72 00:03:46,280 --> 00:03:49,000 Speaker 2: been doing my job, and I got an email a 73 00:03:49,040 --> 00:03:51,800 Speaker 2: couple of years ago for my tenth year reunion for 74 00:03:51,880 --> 00:03:54,000 Speaker 2: my high school, and I was like, ah, I feel 75 00:03:54,000 --> 00:03:55,960 Speaker 2: like I'm going to opt out of tracking, and I'm 76 00:03:56,000 --> 00:03:58,480 Speaker 2: also going to remove my year of graduation from weekedin. 77 00:03:58,720 --> 00:04:01,320 Speaker 2: So we're moving on from that. Take from that what 78 00:04:01,400 --> 00:04:04,000 Speaker 2: you will. All right, money, dirist, I want to know 79 00:04:04,120 --> 00:04:06,120 Speaker 2: what is your big money goal? What are you currently 80 00:04:06,160 --> 00:04:06,800 Speaker 2: working towards. 81 00:04:07,000 --> 00:04:09,000 Speaker 5: So I don't know if I'm allowed to have two, 82 00:04:09,120 --> 00:04:10,880 Speaker 5: but one of my big money goals at the moment 83 00:04:11,000 --> 00:04:13,480 Speaker 5: is that I'm saving to do some renovations to my house. 84 00:04:13,840 --> 00:04:16,800 Speaker 5: And I also have another big goal, which is saving 85 00:04:16,839 --> 00:04:20,360 Speaker 5: to travel overseas to Europe. So sort of got two 86 00:04:20,400 --> 00:04:21,719 Speaker 5: things happening at the moment. 87 00:04:22,200 --> 00:04:25,560 Speaker 2: Air pic al Right, next question, do you have any investments, 88 00:04:25,640 --> 00:04:26,480 Speaker 2: If so, what are they? 89 00:04:26,880 --> 00:04:29,760 Speaker 5: Yes, So I have my super which is tugging along 90 00:04:29,960 --> 00:04:32,960 Speaker 5: nicely despite the little bit of downturn at the moment. 91 00:04:33,040 --> 00:04:36,599 Speaker 5: And I also invest in a couple of index ETFs. 92 00:04:36,920 --> 00:04:38,520 Speaker 2: Oh how did you pick those? 93 00:04:38,839 --> 00:04:42,520 Speaker 5: Basically through a lot of research, like based on my 94 00:04:42,600 --> 00:04:46,200 Speaker 5: study while I was at university and then reading and 95 00:04:46,279 --> 00:04:50,080 Speaker 5: listening to podcasts, and yeah, just decided more of a 96 00:04:50,160 --> 00:04:53,039 Speaker 5: passive approach is probably most appropriate for me. 97 00:04:53,640 --> 00:04:55,880 Speaker 2: I love that. Jess and I have just finished a 98 00:04:55,960 --> 00:04:58,839 Speaker 2: series where we talk about like passive versus active investing 99 00:04:58,880 --> 00:05:00,720 Speaker 2: and what might be right for you, And I'm loving 100 00:05:00,760 --> 00:05:03,680 Speaker 2: hearing how clearly you're like, Yeah, the passive approach works 101 00:05:03,680 --> 00:05:05,400 Speaker 2: for me, and this is the asset class I've chosen. 102 00:05:05,480 --> 00:05:08,240 Speaker 2: Like that makes me so happy because sometimes people will 103 00:05:08,240 --> 00:05:10,640 Speaker 2: say things like, oh, well I have this index ETF 104 00:05:10,640 --> 00:05:12,680 Speaker 2: because that's what my friend said she was using, and 105 00:05:12,720 --> 00:05:14,440 Speaker 2: You're just like, no, no, no, I did my research. 106 00:05:14,480 --> 00:05:15,880 Speaker 2: I know who I am and what I want and 107 00:05:15,880 --> 00:05:18,839 Speaker 2: what I need. I am obsessed. How good is that? 108 00:05:19,080 --> 00:05:21,359 Speaker 5: Yeah? Like, I have a couple of Like I invested 109 00:05:21,400 --> 00:05:23,839 Speaker 5: in two different shares and that's just like a very 110 00:05:23,839 --> 00:05:26,239 Speaker 5: small amount as a bit of an experiment, and one's 111 00:05:26,279 --> 00:05:28,200 Speaker 5: been quite good, and I'm like, oh, that was a 112 00:05:28,200 --> 00:05:31,480 Speaker 5: good one, and then another one's performed because that particular 113 00:05:31,480 --> 00:05:34,880 Speaker 5: company has just had like turmoil hit them in an 114 00:05:34,920 --> 00:05:37,480 Speaker 5: unexpected way, so I don't think anyone would have picked it. 115 00:05:37,600 --> 00:05:40,240 Speaker 5: So yeah, it's a bit of trial and error, isn't it. 116 00:05:40,560 --> 00:05:42,800 Speaker 2: But I guess that's where you can go. And I 117 00:05:42,800 --> 00:05:45,880 Speaker 2: would call what your strategy currently is. I would call 118 00:05:45,920 --> 00:05:48,440 Speaker 2: your strategy a core satellite strategy where you have your 119 00:05:48,440 --> 00:05:51,480 Speaker 2: core investments and then you satellite invest around it. And 120 00:05:51,520 --> 00:05:53,839 Speaker 2: that's exactly what I do because it's just to me, 121 00:05:54,160 --> 00:05:56,440 Speaker 2: I want to invest in direct shares, but I also 122 00:05:56,480 --> 00:05:58,560 Speaker 2: know that's not where I want my majority of wealth 123 00:05:58,600 --> 00:06:01,040 Speaker 2: and the wealth creation because I want the stability. But 124 00:06:01,080 --> 00:06:03,440 Speaker 2: I also I have fun in the share market, Like, 125 00:06:03,720 --> 00:06:06,000 Speaker 2: don't take that away from me. That's my favorite part 126 00:06:06,000 --> 00:06:09,760 Speaker 2: of it all. So I completely resonate with that next 127 00:06:09,839 --> 00:06:12,240 Speaker 2: question I have for you. Do you currently have any debts? 128 00:06:12,279 --> 00:06:13,080 Speaker 2: If so, what are they? 129 00:06:13,200 --> 00:06:15,279 Speaker 5: So I only have my mortgage, and I say only 130 00:06:15,360 --> 00:06:17,440 Speaker 5: because obviously that's quite a considerable debt. 131 00:06:17,480 --> 00:06:19,960 Speaker 2: So yes, I have a mortgage, but a mortgage is 132 00:06:20,160 --> 00:06:22,640 Speaker 2: a good wealth debt. So talk to us about how 133 00:06:22,720 --> 00:06:25,240 Speaker 2: much is left on your mortgage and what you purchased 134 00:06:25,240 --> 00:06:25,960 Speaker 2: that property for. 135 00:06:27,040 --> 00:06:30,320 Speaker 5: So I think there's about two hundred and ninety thousand 136 00:06:30,320 --> 00:06:33,520 Speaker 5: dollars owing on my mortgage, and when I purchase the 137 00:06:33,560 --> 00:06:36,880 Speaker 5: property before COVID, well before COVID, I think it was 138 00:06:36,880 --> 00:06:38,880 Speaker 5: about three hundred and thirty five thousand. 139 00:06:39,080 --> 00:06:39,520 Speaker 1: Mm hmm. 140 00:06:39,920 --> 00:06:40,960 Speaker 2: That's not bad at all. 141 00:06:41,560 --> 00:06:44,080 Speaker 5: Yeah. Yeah, so I live in a regional area, so 142 00:06:44,120 --> 00:06:46,640 Speaker 5: obviously I'm in that position where I'm not paying a 143 00:06:46,720 --> 00:06:50,320 Speaker 5: million dollars to enter the market. And obviously before COVID 144 00:06:50,320 --> 00:06:54,120 Speaker 5: and the big increase in prices house prices, I've worked 145 00:06:54,160 --> 00:06:54,839 Speaker 5: in my favor. 146 00:06:55,279 --> 00:06:59,040 Speaker 2: Yeah wow, ur right, Next question, my friend, do you 147 00:06:59,040 --> 00:07:01,640 Speaker 2: currently use shot back when shopping online? 148 00:07:01,920 --> 00:07:05,160 Speaker 5: Yeah? I do have the extension on my browser, and 149 00:07:05,440 --> 00:07:07,120 Speaker 5: I feel like I go through spades where I use 150 00:07:07,160 --> 00:07:09,000 Speaker 5: it all the time and then you know, won't buy 151 00:07:09,040 --> 00:07:11,000 Speaker 5: anything for a while. But yeah, I definitely use it 152 00:07:11,040 --> 00:07:12,800 Speaker 5: and it's yeah, it's great free money. 153 00:07:13,360 --> 00:07:15,960 Speaker 2: We love free money. That is the money win all right. 154 00:07:16,040 --> 00:07:18,480 Speaker 2: Next question, we want to know what is your best 155 00:07:18,560 --> 00:07:19,200 Speaker 2: money habit. 156 00:07:19,400 --> 00:07:22,400 Speaker 5: My best money habit is like automating my finances. So 157 00:07:22,440 --> 00:07:25,440 Speaker 5: I am just a very busy person and I hate 158 00:07:25,480 --> 00:07:28,320 Speaker 5: having to manually pay a bill or you know, actually 159 00:07:28,320 --> 00:07:30,240 Speaker 5: have to have things in my head and think, oh, 160 00:07:30,280 --> 00:07:32,320 Speaker 5: my gosh, I've got to do this, so I automate 161 00:07:32,440 --> 00:07:36,280 Speaker 5: all of my regular bills, my mortgage, you know, contributions 162 00:07:36,320 --> 00:07:39,720 Speaker 5: to super, investments, savings, all of that kind of thing. 163 00:07:39,800 --> 00:07:43,600 Speaker 5: So it avoids that temptation of oh, you know, I'll 164 00:07:43,600 --> 00:07:45,240 Speaker 5: get to it one day, like I'll contribute to my 165 00:07:45,280 --> 00:07:47,720 Speaker 5: super one day, or I might inverse one day. If 166 00:07:47,720 --> 00:07:49,880 Speaker 5: it's just gone, you don't really notice it. 167 00:07:50,120 --> 00:07:52,520 Speaker 2: I feel like that's also one of my best money habits. 168 00:07:52,560 --> 00:07:54,280 Speaker 2: I kind of feel like it's out of sight, out 169 00:07:54,280 --> 00:07:56,640 Speaker 2: of mind. If it's set up, I feel secure. I 170 00:07:56,680 --> 00:07:58,360 Speaker 2: know a lot of people don't feel that way though, 171 00:07:58,360 --> 00:08:00,760 Speaker 2: They're like, no, I really want to manually, and I'm 172 00:08:00,800 --> 00:08:03,360 Speaker 2: just like, no, sir, that's not for me, not for 173 00:08:03,400 --> 00:08:03,800 Speaker 2: me at all. 174 00:08:04,640 --> 00:08:04,840 Speaker 5: No. 175 00:08:05,120 --> 00:08:07,840 Speaker 2: All right, let's flip that narrative on its head. I 176 00:08:07,880 --> 00:08:10,160 Speaker 2: want to know what is your worst money have it? 177 00:08:10,520 --> 00:08:13,360 Speaker 5: Ah, it's almost hard. And it actually came to me 178 00:08:13,400 --> 00:08:14,960 Speaker 5: as I was putting the garbage bins out the other 179 00:08:15,040 --> 00:08:16,640 Speaker 5: day and I was like, oh my gosh, you need 180 00:08:16,680 --> 00:08:20,520 Speaker 5: to stop buying like excess food. I think I have 181 00:08:20,560 --> 00:08:22,920 Speaker 5: best intentions. What am I going to half for the week. 182 00:08:23,000 --> 00:08:24,800 Speaker 5: Let's put a meal plan in place and then it 183 00:08:24,840 --> 00:08:27,680 Speaker 5: gets to Thursday and I do not want to have that, 184 00:08:28,320 --> 00:08:30,280 Speaker 5: and so you go to something else and then yeah, 185 00:08:30,320 --> 00:08:33,400 Speaker 5: so I think food wastage and have falling into that 186 00:08:33,520 --> 00:08:35,240 Speaker 5: trap towards the end of the week. Well, I might 187 00:08:35,320 --> 00:08:38,080 Speaker 5: just get something for dinner. Is probably one of my 188 00:08:38,200 --> 00:08:39,199 Speaker 5: worst money habits. 189 00:08:39,679 --> 00:08:43,440 Speaker 2: Yes, last week's money darist had literally the same Habit 190 00:08:43,720 --> 00:08:48,000 Speaker 2: is so funny because I'm exactly the same like past me, 191 00:08:48,200 --> 00:08:51,400 Speaker 2: who food preps on a Sunday. She's so healthy, she 192 00:08:51,520 --> 00:08:54,720 Speaker 2: has the best intentions for the week. She believes so 193 00:08:54,840 --> 00:08:58,000 Speaker 2: much in future Victoria. But future Victoria she just wants 194 00:08:58,040 --> 00:09:00,559 Speaker 2: to eat pizza. She wants the pizza man, the food 195 00:09:00,640 --> 00:09:03,439 Speaker 2: to the couch in a perfect world, so she doesn't 196 00:09:03,480 --> 00:09:06,240 Speaker 2: have to cook that really healthy meal. Because it's also 197 00:09:06,480 --> 00:09:08,600 Speaker 2: not about just being lazy. I just don't feel like 198 00:09:08,640 --> 00:09:11,599 Speaker 2: that anymore, and I find that really hard to navigate. 199 00:09:12,160 --> 00:09:14,160 Speaker 2: Is that something you're like, oh, I really want to 200 00:09:14,160 --> 00:09:15,760 Speaker 2: work on it, or are you like, all right, this 201 00:09:15,800 --> 00:09:17,800 Speaker 2: is a habit that I'm just going to agree to 202 00:09:17,840 --> 00:09:18,520 Speaker 2: disagree with. 203 00:09:18,880 --> 00:09:20,959 Speaker 5: I think I definitely like, particularly for health wise, it's 204 00:09:20,960 --> 00:09:24,160 Speaker 5: so much better to prepare food at home, and you know, 205 00:09:24,240 --> 00:09:25,880 Speaker 5: usually you can get a couple of nights out of 206 00:09:25,880 --> 00:09:27,880 Speaker 5: it and that kind of thing. But yeah, it's definitely 207 00:09:27,920 --> 00:09:30,680 Speaker 5: something I need to prioritize. And I think if you 208 00:09:30,679 --> 00:09:33,120 Speaker 5: come home and you prepare dinner, since you walk through 209 00:09:33,120 --> 00:09:34,760 Speaker 5: the door, it's easy. As soon as you hit the 210 00:09:34,760 --> 00:09:37,160 Speaker 5: couch or whatever, it's gone, it's. 211 00:09:37,040 --> 00:09:40,040 Speaker 2: Done, totally, all right. I want to know this last 212 00:09:40,120 --> 00:09:42,640 Speaker 2: question before we go to a quick break, well deep 213 00:09:42,720 --> 00:09:46,280 Speaker 2: dive further into your money story, but what grade would 214 00:09:46,280 --> 00:09:48,360 Speaker 2: you give your money habits if you're forced to give 215 00:09:48,400 --> 00:09:49,200 Speaker 2: yourself a grade? 216 00:09:49,360 --> 00:09:52,440 Speaker 5: Oh well, this is my specialty. And every time I 217 00:09:52,640 --> 00:09:56,440 Speaker 5: hear people like, oh my gosh, you're so under undercutting yourself, 218 00:09:56,480 --> 00:09:59,000 Speaker 5: like you should give yourself higher. I think for knowledge, 219 00:09:59,120 --> 00:10:01,960 Speaker 5: I would give myself an A just based on you know, 220 00:10:02,080 --> 00:10:04,800 Speaker 5: every day, my education background and that kind of thing. 221 00:10:04,840 --> 00:10:07,679 Speaker 5: But in reality, I think a B because there's a 222 00:10:07,720 --> 00:10:10,120 Speaker 5: lot of things I could be doing better and there's 223 00:10:10,120 --> 00:10:12,200 Speaker 5: always room for improvement. So I don't think I'm like 224 00:10:12,240 --> 00:10:15,040 Speaker 5: a solid A. I would say a B plus to 225 00:10:15,080 --> 00:10:15,280 Speaker 5: an A. 226 00:10:15,840 --> 00:10:17,920 Speaker 4: I like that you just faltered to like a Rubricu're 227 00:10:17,960 --> 00:10:19,000 Speaker 4: like in this category. 228 00:10:19,000 --> 00:10:25,720 Speaker 2: I guess this category and the feedback on that, and 229 00:10:25,760 --> 00:10:28,920 Speaker 2: we'll talk about it at Parent Teacher Info nite. So 230 00:10:29,240 --> 00:10:31,920 Speaker 2: tell us Money Direst what would mean that you, as 231 00:10:31,920 --> 00:10:34,520 Speaker 2: a student could go from your current mark up to 232 00:10:34,559 --> 00:10:37,840 Speaker 2: an A plus. What would it take less talking in class? 233 00:10:38,559 --> 00:10:41,520 Speaker 5: Yeah? Maybe, Like I was definitely a talker in class, 234 00:10:41,520 --> 00:10:45,080 Speaker 5: so yeah, definitely one of those people. But yeah, probably, 235 00:10:45,120 --> 00:10:47,600 Speaker 5: I think, like, particularly if interest rates increasing, I think 236 00:10:47,600 --> 00:10:50,560 Speaker 5: I need to move around a few savings accounts. I 237 00:10:50,600 --> 00:10:53,400 Speaker 5: definitely need to go back to my mortgage broker and 238 00:10:53,440 --> 00:10:56,040 Speaker 5: get them to check my interest rate. 239 00:10:56,280 --> 00:10:57,840 Speaker 2: Oh I can do that for you. I've got a 240 00:10:57,840 --> 00:10:58,760 Speaker 2: good mortgage broker. 241 00:10:59,280 --> 00:11:02,440 Speaker 5: Yeah, I know, I've seen that. Yeah. So it's just 242 00:11:02,480 --> 00:11:04,960 Speaker 5: like little things that I've sort of set every six 243 00:11:04,960 --> 00:11:07,440 Speaker 5: months that I'll revisit. So I think there's a few 244 00:11:07,440 --> 00:11:11,240 Speaker 5: things that I need to reevaluate, and particularly in the 245 00:11:11,280 --> 00:11:14,320 Speaker 5: new year, of revisit everything again and make sure it's 246 00:11:14,360 --> 00:11:16,440 Speaker 5: all all chugging along nicely. 247 00:11:17,160 --> 00:11:19,200 Speaker 2: I love that. All Right, with that, let's go to 248 00:11:19,280 --> 00:11:21,839 Speaker 2: a really quick break because I have lots of questions 249 00:11:21,920 --> 00:11:25,520 Speaker 2: and we'll get through them in a very hot minute. 250 00:11:29,080 --> 00:11:32,760 Speaker 4: Alrighty, welcome back, everybody, Money Dorus. I want to kick 251 00:11:32,800 --> 00:11:36,680 Speaker 4: things off by talking through your endometriosis. Diagnosis and the 252 00:11:36,760 --> 00:11:40,240 Speaker 4: impact that that's had on you. Because we've touched on 253 00:11:40,240 --> 00:11:43,320 Speaker 4: on the pod before, endometriosis is one of those things 254 00:11:43,400 --> 00:11:46,719 Speaker 4: that is extremely commonly misdiagnosed. 255 00:11:46,760 --> 00:11:48,319 Speaker 2: It's often ignored. 256 00:11:48,360 --> 00:11:51,240 Speaker 4: There's like a really significant problem that I've seen, even 257 00:11:51,280 --> 00:11:54,840 Speaker 4: just within my personal circle of friends, of people having 258 00:11:54,840 --> 00:11:57,840 Speaker 4: the symptoms, and they're pretty severe symptoms and more often 259 00:11:57,840 --> 00:12:00,720 Speaker 4: than not being chalked up to just really bad period cramps. 260 00:12:00,720 --> 00:12:04,160 Speaker 4: Have you taken a panetole like not necessarily being treated 261 00:12:04,200 --> 00:12:06,560 Speaker 4: with the severity that it needed to be. And then 262 00:12:06,600 --> 00:12:09,040 Speaker 4: over the last few years, we've seen, I think when 263 00:12:09,040 --> 00:12:11,400 Speaker 4: we spoke about the budget earlier in the year, more 264 00:12:11,440 --> 00:12:15,960 Speaker 4: and more money being committed specifically to research and assist 265 00:12:16,160 --> 00:12:19,839 Speaker 4: in learning more about ENDO. What was the process of 266 00:12:19,880 --> 00:12:22,160 Speaker 4: getting diagnosed like for you, because you said that it 267 00:12:22,240 --> 00:12:25,800 Speaker 4: was nearly fifteen years ago, so it probably wasn't as 268 00:12:25,920 --> 00:12:29,880 Speaker 4: commonly spoken about as it is now. How did that go? 269 00:12:30,120 --> 00:12:32,520 Speaker 4: Did you find it hard? Did people kind of take 270 00:12:32,559 --> 00:12:33,679 Speaker 4: you at your word right away? 271 00:12:34,200 --> 00:12:36,880 Speaker 5: So it was really challenging because at the time that 272 00:12:36,920 --> 00:12:40,040 Speaker 5: my family and myself started seeking some answers, I was 273 00:12:40,040 --> 00:12:44,599 Speaker 5: really only fourteen and in the in society and dometriosis 274 00:12:44,720 --> 00:12:47,880 Speaker 5: like it was known about, but it really wasn't talked about, 275 00:12:47,960 --> 00:12:51,560 Speaker 5: and there was among the medical profession a sort of 276 00:12:51,760 --> 00:12:54,920 Speaker 5: unfounded assumption that a young person as young as fifteen 277 00:12:55,480 --> 00:12:59,600 Speaker 5: wouldn't have endometriosis. So a lot of the presentations to 278 00:12:59,640 --> 00:13:02,800 Speaker 5: the general practitioners were, look, it's just bad period pain. 279 00:13:03,000 --> 00:13:07,760 Speaker 5: A lot of young women experience this. Have you tried this, 280 00:13:07,840 --> 00:13:11,520 Speaker 5: that and the other? Have you tried contraception? Everything known 281 00:13:11,559 --> 00:13:14,840 Speaker 5: to men they try first, and then you know, in 282 00:13:14,880 --> 00:13:17,319 Speaker 5: a six month period, I went from being a really healthy, 283 00:13:17,400 --> 00:13:21,800 Speaker 5: happy person to becoming just completely debilitated. And I was 284 00:13:21,800 --> 00:13:25,480 Speaker 5: struggling to play sport, I was struggling to go to work, 285 00:13:25,600 --> 00:13:27,280 Speaker 5: which I had a part time job at the time, 286 00:13:27,400 --> 00:13:30,640 Speaker 5: I was struggling to go to school, and I just, yeah, 287 00:13:30,760 --> 00:13:35,280 Speaker 5: became a really broken person. Unfortunately, I went to a 288 00:13:35,280 --> 00:13:38,240 Speaker 5: GP and my mum was such a huge advocate, and 289 00:13:38,280 --> 00:13:40,839 Speaker 5: she said, look, I'm a medical professional myself. My daughter 290 00:13:40,920 --> 00:13:44,320 Speaker 5: is not well and you need to actually listen to her, 291 00:13:44,360 --> 00:13:48,199 Speaker 5: and I want a referral to a gynocologist. And it 292 00:13:48,320 --> 00:13:50,840 Speaker 5: sort of went from there. And once I saw this 293 00:13:50,920 --> 00:13:53,920 Speaker 5: gynocologist who was like, oh my gosh, you're ticking all 294 00:13:53,960 --> 00:13:56,480 Speaker 5: of the boxers. I want to book you in next 295 00:13:56,559 --> 00:14:01,720 Speaker 5: week for a diagnostic laparoscopy. Once that was undertaken, I 296 00:14:01,760 --> 00:14:03,880 Speaker 5: woke up and I think I'd reached the point where 297 00:14:03,880 --> 00:14:06,560 Speaker 5: I thought I was crazy. Like I remember saying to 298 00:14:06,600 --> 00:14:09,760 Speaker 5: the nurse, you know, like, did they find anything? I 299 00:14:09,800 --> 00:14:12,280 Speaker 5: think my fear was they'd say there was nothing there, 300 00:14:12,320 --> 00:14:15,360 Speaker 5: and I'm thinking like, like I'm going crazy, there's something wrong. 301 00:14:15,520 --> 00:14:17,560 Speaker 2: No, but you're not, You're not crazy. 302 00:14:17,960 --> 00:14:20,640 Speaker 5: I remember her saying, no, we definitely found quite a 303 00:14:20,680 --> 00:14:24,240 Speaker 5: considerable amount. So they removed the end of metrisis during 304 00:14:24,280 --> 00:14:28,160 Speaker 5: the surgery. So that obviously made a world of difference 305 00:14:28,280 --> 00:14:29,480 Speaker 5: to my pain levels. 306 00:14:29,920 --> 00:14:33,480 Speaker 2: Wow, that's crazy that it took your mum stepping in 307 00:14:33,520 --> 00:14:37,600 Speaker 2: and really advocating for you. And you know, that's amazing 308 00:14:37,680 --> 00:14:40,400 Speaker 2: for you. But so many people just either don't advocate 309 00:14:40,440 --> 00:14:43,400 Speaker 2: for themselves or have somebody who really talks up. Because 310 00:14:43,800 --> 00:14:46,720 Speaker 2: I feel like too many times people get told it's 311 00:14:46,720 --> 00:14:48,920 Speaker 2: just period pain. You just need to, you know, maybe 312 00:14:49,240 --> 00:14:50,920 Speaker 2: lay in bed for a little longer. Have you tried 313 00:14:50,920 --> 00:14:53,360 Speaker 2: a weep pack, like a weet pack might really help you. 314 00:14:53,360 --> 00:14:55,840 Speaker 2: You could take one to work. Like that to me 315 00:14:56,120 --> 00:14:59,800 Speaker 2: is crazy talk because our bodies aren't actually meant to 316 00:14:59,800 --> 00:15:02,120 Speaker 2: be in that much pain when we have our periods, 317 00:15:02,320 --> 00:15:05,200 Speaker 2: Like it's just not actually normal. And I think we 318 00:15:05,240 --> 00:15:07,120 Speaker 2: need to talk about this more often because I have 319 00:15:07,160 --> 00:15:10,560 Speaker 2: a few friends who have ENDO, very very significantly. It 320 00:15:10,600 --> 00:15:13,880 Speaker 2: impacts their fertility, it impacts their quality of life, It 321 00:15:14,200 --> 00:15:17,160 Speaker 2: has involved lots of different surgeries over a long period 322 00:15:17,240 --> 00:15:19,840 Speaker 2: of time, and I just don't think people understand that 323 00:15:20,040 --> 00:15:23,760 Speaker 2: ENDO isn't just bad period pain, Like it's actually really 324 00:15:23,840 --> 00:15:24,800 Speaker 2: really significant. 325 00:15:25,000 --> 00:15:27,320 Speaker 5: Yeah, definitely, And when you say to people like I 326 00:15:27,360 --> 00:15:30,080 Speaker 5: remember when I was diagnosed and I'd returned to school, 327 00:15:30,120 --> 00:15:34,239 Speaker 5: and you know, everyone is trying their best to be supportive, 328 00:15:34,280 --> 00:15:37,040 Speaker 5: but because young fifteen year old girls, sixteen year old girls, 329 00:15:37,080 --> 00:15:39,440 Speaker 5: they don't really understand what it was at the time, 330 00:15:39,800 --> 00:15:42,400 Speaker 5: and they're like, oh, okay, fantastic, you've had your surgery, 331 00:15:42,400 --> 00:15:45,280 Speaker 5: you're fixed. And it was so hard to explain that 332 00:15:45,280 --> 00:15:48,360 Speaker 5: this is an ongoing condition and a huge percentage of 333 00:15:48,360 --> 00:15:51,520 Speaker 5: women actually have a recurrence, which I have and have 334 00:15:51,600 --> 00:15:56,480 Speaker 5: had to have five surgeries since then. So yeah, it's 335 00:15:56,560 --> 00:15:58,760 Speaker 5: such a struggle and a lot of women do fall 336 00:15:58,760 --> 00:16:01,000 Speaker 5: into that. I want to emphasiz with you, so they'll 337 00:16:01,000 --> 00:16:04,960 Speaker 5: say things like no, oh, I have that period pain too, 338 00:16:05,200 --> 00:16:09,040 Speaker 5: Like oh, I do yoga and like I eat you know, clean, 339 00:16:09,080 --> 00:16:10,680 Speaker 5: and I do this and that. Have you tried it? 340 00:16:10,920 --> 00:16:12,440 Speaker 5: And I have got to the point now where I've 341 00:16:12,560 --> 00:16:15,560 Speaker 5: just not and smile like yes, like you know, I 342 00:16:15,560 --> 00:16:17,200 Speaker 5: have tried everything. 343 00:16:17,520 --> 00:16:20,440 Speaker 2: And it's so undermining when people like have you tried 344 00:16:20,480 --> 00:16:22,840 Speaker 2: eating clean? You're like, this is a chronic illness, Like 345 00:16:23,880 --> 00:16:27,280 Speaker 2: you're clearly not seeing how chronic this is. Like eating 346 00:16:27,360 --> 00:16:30,640 Speaker 2: clean might make me feel better for a week, but 347 00:16:30,720 --> 00:16:32,840 Speaker 2: it is not going to fix the problem. And I 348 00:16:32,880 --> 00:16:35,480 Speaker 2: think it can be, you know, obviously from you, it 349 00:16:35,520 --> 00:16:38,440 Speaker 2: would just be emotionally exhausting having to deal with questions 350 00:16:38,480 --> 00:16:41,200 Speaker 2: like that or comments like that so consistently because it 351 00:16:41,200 --> 00:16:45,080 Speaker 2: makes you feel like your situation isn't as valid but 352 00:16:45,120 --> 00:16:48,040 Speaker 2: it absolutely is. And to me that just sounds crazy. 353 00:16:48,240 --> 00:16:49,960 Speaker 5: Yeah, I mean it is getting better, like I have 354 00:16:50,080 --> 00:16:52,840 Speaker 5: noticed progressively as time has gone on and I've become 355 00:16:52,920 --> 00:16:56,400 Speaker 5: an adult and in adult spaces, there's less of a 356 00:16:56,440 --> 00:16:59,000 Speaker 5: tendency for the people I engage with now to say 357 00:16:59,040 --> 00:17:02,440 Speaker 5: those things. But definitely, as a young woman, a very 358 00:17:02,440 --> 00:17:04,440 Speaker 5: young woman, I was just, yeah, I felt like there 359 00:17:04,520 --> 00:17:06,960 Speaker 5: was nobody who really understood. 360 00:17:07,359 --> 00:17:10,240 Speaker 2: I'm so sorry you had that experience. It's not one 361 00:17:10,240 --> 00:17:14,400 Speaker 2: that I wish on anybody. Talking about chronic illness, how 362 00:17:14,400 --> 00:17:17,199 Speaker 2: does that still impact your day to day life? Like, 363 00:17:17,359 --> 00:17:19,520 Speaker 2: endo's obviously something that's just not going to go away, 364 00:17:19,800 --> 00:17:23,080 Speaker 2: So does that impact your teaching ability or your ability 365 00:17:23,080 --> 00:17:25,120 Speaker 2: to work? Like, how does it impact you day to day? 366 00:17:25,160 --> 00:17:28,919 Speaker 5: I suppose, yeah, So I since I've been diagnosed, I 367 00:17:28,960 --> 00:17:31,920 Speaker 5: find I have, you know, eighteen months to two years 368 00:17:31,960 --> 00:17:33,600 Speaker 5: of what I call it I refer to as a 369 00:17:33,600 --> 00:17:37,560 Speaker 5: honeymoon period where I feel quite well, and then in 370 00:17:37,760 --> 00:17:39,879 Speaker 5: that sort of third year, I start to get the 371 00:17:39,920 --> 00:17:43,359 Speaker 5: pain recurring quite badly, and that's when it starts to 372 00:17:43,400 --> 00:17:46,639 Speaker 5: impact work. So, you know, over the years, I have 373 00:17:46,800 --> 00:17:49,720 Speaker 5: had to take a fervative sick leave, and sometimes the 374 00:17:50,600 --> 00:17:52,800 Speaker 5: urgency to have surgery means that I might just have 375 00:17:52,880 --> 00:17:55,560 Speaker 5: to take a week or so off all of a sudden, 376 00:17:56,040 --> 00:17:58,520 Speaker 5: and then day to day, you know, I'm pretty much 377 00:17:58,560 --> 00:18:00,399 Speaker 5: one of those people that just get on with it, 378 00:18:00,440 --> 00:18:03,359 Speaker 5: and I sometimes find that it's better to be busy 379 00:18:03,480 --> 00:18:06,400 Speaker 5: than to be at home thinking about how much pain 380 00:18:06,440 --> 00:18:08,720 Speaker 5: I mean, or how you know, awful I feel. So, 381 00:18:09,280 --> 00:18:11,600 Speaker 5: you know, work is still quite hard. I'm not a 382 00:18:11,680 --> 00:18:15,840 Speaker 5: laborer obviously, but as a teacher, you're on all day. 383 00:18:16,200 --> 00:18:19,280 Speaker 5: You're putting on a performance. It's like you're a performer. 384 00:18:19,440 --> 00:18:22,680 Speaker 5: You know, I'm really happy to be here, so excited. 385 00:18:23,080 --> 00:18:25,760 Speaker 5: You know, we're talking about global warming today and you're 386 00:18:25,800 --> 00:18:28,120 Speaker 5: just trying to put on this show to engage these 387 00:18:28,160 --> 00:18:31,200 Speaker 5: fifteen year olds. And it's super tough. Like it gets 388 00:18:31,200 --> 00:18:32,680 Speaker 5: to the end of the day and you're like, wow, 389 00:18:32,800 --> 00:18:36,480 Speaker 5: Like I haven't sat down and I feel so exhausted. 390 00:18:37,119 --> 00:18:41,000 Speaker 5: So it is really tiring. It's a really an illness 391 00:18:41,000 --> 00:18:42,760 Speaker 5: that really wanes on you, and you get to the 392 00:18:42,760 --> 00:18:45,200 Speaker 5: point where you're just like, is there ever an end 393 00:18:45,240 --> 00:18:46,680 Speaker 5: point for this? Yeah? 394 00:18:46,720 --> 00:18:47,160 Speaker 2: Wow? 395 00:18:47,440 --> 00:18:51,080 Speaker 4: And one of the financial impacts you mentioned earlier obviously 396 00:18:51,560 --> 00:18:53,800 Speaker 4: taking time off work, using your slick leave, maybe taking 397 00:18:53,880 --> 00:18:56,280 Speaker 4: unpaid leaves. But you kind of hinted at it in 398 00:18:56,320 --> 00:19:01,000 Speaker 4: your earlier letter that any chronic illness, the ENDO as 399 00:19:01,040 --> 00:19:04,719 Speaker 4: well specifically, does have a big financial impact on your life. 400 00:19:04,800 --> 00:19:06,360 Speaker 4: Can you talk us through that a little bit. 401 00:19:06,600 --> 00:19:11,800 Speaker 5: Yeah, So, endometrisis, it has so many direct and indirect costs. 402 00:19:12,200 --> 00:19:15,440 Speaker 5: For example, I could not be without private health insurance 403 00:19:15,440 --> 00:19:19,800 Speaker 5: with enometrosis because if I didn't have private health insurance, 404 00:19:19,800 --> 00:19:22,520 Speaker 5: I would be on public weight lists that are in 405 00:19:22,560 --> 00:19:25,639 Speaker 5: my region eighteen months, two years long. Because surgery for 406 00:19:25,720 --> 00:19:30,160 Speaker 5: endometrosis is not considered a priority. It's an elective surgery. 407 00:19:30,320 --> 00:19:33,280 Speaker 5: So with COVID, for example, I wouldn't have had my 408 00:19:33,400 --> 00:19:35,600 Speaker 5: surgery last year. I would have still be on a 409 00:19:35,600 --> 00:19:39,120 Speaker 5: weight list. So the cost with private health insurance, then 410 00:19:39,640 --> 00:19:42,560 Speaker 5: the cost we seeing as specialists, the out of pockets there, 411 00:19:43,000 --> 00:19:45,720 Speaker 5: the out of pockets for your anethetist, you know, the 412 00:19:45,760 --> 00:19:53,359 Speaker 5: hospital gap scans, ultrasounds, experimenting with different contraceptions that aren't 413 00:19:53,359 --> 00:20:04,240 Speaker 5: on the PBS, dietitians trying different diets, exercise regimes, pain specialists, buzos, 414 00:20:04,720 --> 00:20:07,720 Speaker 5: you name it. I've done it, and it all comes 415 00:20:07,720 --> 00:20:08,720 Speaker 5: at a huge cost. 416 00:20:09,200 --> 00:20:13,040 Speaker 2: That's insane. It's insane to me that that's elective surgery, 417 00:20:13,200 --> 00:20:17,119 Speaker 2: Like that is not elective surgery. That is Oh, that 418 00:20:17,160 --> 00:20:19,360 Speaker 2: frustrates me. And I guess that opens a whole other 419 00:20:19,400 --> 00:20:21,840 Speaker 2: can of worms of discussion that I could have with 420 00:20:21,880 --> 00:20:24,879 Speaker 2: you today, which is not what this is about. But 421 00:20:25,000 --> 00:20:27,479 Speaker 2: it just it blows my mind that things like that 422 00:20:27,520 --> 00:20:30,480 Speaker 2: aren't prioritized, and you know, to dig a bit deeper 423 00:20:30,520 --> 00:20:32,520 Speaker 2: into that for a hot second, if it was happening 424 00:20:32,520 --> 00:20:35,040 Speaker 2: to men, it would already be top of the list, right. 425 00:20:35,240 --> 00:20:38,920 Speaker 5: Oh absolutely autely. I think if a male with complaining 426 00:20:38,960 --> 00:20:41,000 Speaker 5: to their GP, like I'm in this amount of paid 427 00:20:41,200 --> 00:20:43,480 Speaker 5: like a cart work, I can't go and play goal. 428 00:20:43,400 --> 00:20:45,680 Speaker 2: For whatever it is, Oh yeah, straight to the top 429 00:20:45,720 --> 00:20:46,800 Speaker 2: of the list, like that's. 430 00:20:46,680 --> 00:20:48,600 Speaker 5: Correct, and they'd be like, oh my gosh, like we 431 00:20:48,680 --> 00:20:50,760 Speaker 5: must do something for you. But if it's a woman, 432 00:20:50,840 --> 00:20:52,600 Speaker 5: it's like, oh my gosh. 433 00:20:52,040 --> 00:20:55,840 Speaker 2: We complain, Just get back in our boxes, I suppose 434 00:20:55,960 --> 00:20:58,960 Speaker 2: is the summary of that, which is honestly really gross. 435 00:20:59,000 --> 00:21:01,199 Speaker 2: And I just think that that's you know, putting us 436 00:21:01,280 --> 00:21:04,720 Speaker 2: even further behind, because that impacts your ability to progress 437 00:21:04,760 --> 00:21:07,680 Speaker 2: your career at the end of the day and generate 438 00:21:07,720 --> 00:21:10,199 Speaker 2: more income. Like you're already burnt out at the end 439 00:21:10,240 --> 00:21:12,399 Speaker 2: of a working day, like God forbid you wanted to 440 00:21:12,400 --> 00:21:14,520 Speaker 2: have a life outside of that, Like I'm sure that 441 00:21:14,560 --> 00:21:15,960 Speaker 2: there are days where you just go home and you 442 00:21:16,000 --> 00:21:18,760 Speaker 2: absolutely crash and burn and there's just no option for 443 00:21:18,960 --> 00:21:21,879 Speaker 2: side hustles or you know, taking on tutoring jobs and 444 00:21:21,920 --> 00:21:23,560 Speaker 2: doing all of that other stuff because it's just not 445 00:21:23,640 --> 00:21:26,639 Speaker 2: compatible to the life that you have. And that's just 446 00:21:26,680 --> 00:21:27,119 Speaker 2: not fair. 447 00:21:27,240 --> 00:21:30,440 Speaker 5: I used to tutor. In twenty twenty peak of COVID, 448 00:21:30,760 --> 00:21:33,320 Speaker 5: I was tutoring as well, and I just burnt myself 449 00:21:33,400 --> 00:21:37,480 Speaker 5: out and ended up leaving it. But I definitely, you know, 450 00:21:37,600 --> 00:21:40,879 Speaker 5: a side hustle with the workload and with the chronic illness. 451 00:21:41,000 --> 00:21:43,679 Speaker 5: It's just not something that I would contemplate at this 452 00:21:43,720 --> 00:21:44,840 Speaker 5: point in time. Yeah. 453 00:21:44,880 --> 00:21:47,960 Speaker 4: Wow, was your experience with chronic illness? What kind of 454 00:21:48,640 --> 00:21:52,080 Speaker 4: pushed you to become a director on the NDA sport 455 00:21:52,119 --> 00:21:53,200 Speaker 4: that you're a director for? 456 00:21:53,600 --> 00:21:57,160 Speaker 5: Not directly, no, Like it wasn't something that they even 457 00:21:57,200 --> 00:21:59,399 Speaker 5: knew about, And I would say they actually don't know 458 00:21:59,480 --> 00:22:04,199 Speaker 5: about that diagnosis. I was approached JUDA some involvement that 459 00:22:04,240 --> 00:22:07,760 Speaker 5: I had with some fundraising locally and the board had 460 00:22:07,760 --> 00:22:10,960 Speaker 5: a couple of vacancies and so they were looking to 461 00:22:11,000 --> 00:22:15,840 Speaker 5: diversify the board, particularly women and young women. So that's 462 00:22:15,880 --> 00:22:19,280 Speaker 5: why I was approached, and also my educational background, so 463 00:22:19,640 --> 00:22:22,560 Speaker 5: they were looking for someone who could bring that knowledge 464 00:22:23,160 --> 00:22:26,199 Speaker 5: knowledge as an educator as well. Did you find that 465 00:22:26,280 --> 00:22:29,320 Speaker 5: it was a really male dominated space like that you 466 00:22:29,320 --> 00:22:32,280 Speaker 5: said they were looking to diversify When you moved into 467 00:22:32,320 --> 00:22:36,000 Speaker 5: that space, did you feel that lack of diversity. Yeah, 468 00:22:36,080 --> 00:22:39,119 Speaker 5: so it is diverse in other ways, but not with gender. 469 00:22:39,240 --> 00:22:43,200 Speaker 5: So when I commenced, there were three female directors including myself, 470 00:22:43,440 --> 00:22:48,919 Speaker 5: and nine men, and I was the youngest person on 471 00:22:48,960 --> 00:22:52,480 Speaker 5: the board by probably about fifteen years. Oh my gosh. 472 00:22:52,960 --> 00:22:56,199 Speaker 5: So it was a little bit daunting. Particularly with the 473 00:22:56,440 --> 00:22:58,600 Speaker 5: men on the board. A lot of them had an 474 00:22:58,640 --> 00:23:03,159 Speaker 5: accounting finance back out, so you know, they were very 475 00:23:03,720 --> 00:23:07,879 Speaker 5: up to date with budgets and cash flow and just 476 00:23:07,960 --> 00:23:11,000 Speaker 5: all of the lingo basically. So I remember my first meeting. 477 00:23:11,000 --> 00:23:12,800 Speaker 5: I came in and I'm like, oh my gosh, like 478 00:23:12,840 --> 00:23:15,439 Speaker 5: they gave they'd email me all these spreadsheets and all 479 00:23:15,440 --> 00:23:17,680 Speaker 5: these documents, and I remember just staring at it. I'm like, 480 00:23:17,760 --> 00:23:21,679 Speaker 5: I have nothing to add, thankfully, Like I learned very quickly, 481 00:23:21,680 --> 00:23:24,680 Speaker 5: and I think that urgency of like I just don't 482 00:23:24,720 --> 00:23:26,800 Speaker 5: want to look like I don't know what's going on, 483 00:23:26,880 --> 00:23:29,320 Speaker 5: like I need to I need to immerse myself in this. 484 00:23:29,480 --> 00:23:31,280 Speaker 5: And once I got up to speed, you know, I 485 00:23:31,320 --> 00:23:34,880 Speaker 5: was able to contribute with in relation to the finances. 486 00:23:35,200 --> 00:23:39,159 Speaker 2: I find that really interesting because I guess too, I 487 00:23:39,200 --> 00:23:42,760 Speaker 2: want to say sympathized, but I guess back you up 488 00:23:42,800 --> 00:23:45,120 Speaker 2: on that. I sit on a board as well. I'm 489 00:23:45,119 --> 00:23:47,880 Speaker 2: the treasurer for TLC for Kids, which is a children's 490 00:23:47,960 --> 00:23:49,880 Speaker 2: charity that is very close to my heart. I've been 491 00:23:49,880 --> 00:23:52,400 Speaker 2: doing that for what now over three years, which is crazy. 492 00:23:52,800 --> 00:23:56,200 Speaker 2: But when I first started, I would pour over every 493 00:23:56,240 --> 00:23:59,280 Speaker 2: single document that was sent through to the board and 494 00:23:59,320 --> 00:24:01,320 Speaker 2: make sure I know you went back to front, like yeah, 495 00:24:01,359 --> 00:24:04,479 Speaker 2: the financial side of things, that's where I really understood it. 496 00:24:04,560 --> 00:24:07,520 Speaker 2: But like everything else I was pouring over and I 497 00:24:07,520 --> 00:24:10,359 Speaker 2: would go to these meetings and you know, hope that 498 00:24:10,400 --> 00:24:13,480 Speaker 2: I looked intelligent, didn't look silly, and realized that all 499 00:24:13,480 --> 00:24:15,359 Speaker 2: of the men on the board they weren't doing that. 500 00:24:15,400 --> 00:24:16,920 Speaker 2: They were just turning up and they're like, oh, what 501 00:24:17,200 --> 00:24:19,439 Speaker 2: was this? When was it sent through? And I'd be like, 502 00:24:19,440 --> 00:24:21,800 Speaker 2: what the hell? Like what the hell? Like why aren't 503 00:24:21,840 --> 00:24:23,440 Speaker 2: you guys on top of these. 504 00:24:23,359 --> 00:24:25,560 Speaker 5: They sounds so familiar, Like I think I went in 505 00:24:25,760 --> 00:24:29,080 Speaker 5: over prepared and I knew that they always read the 506 00:24:29,119 --> 00:24:31,280 Speaker 5: budget and all of that kind of thing and all 507 00:24:31,320 --> 00:24:33,560 Speaker 5: the financials for the month. But as soon as it 508 00:24:33,560 --> 00:24:36,280 Speaker 5: came to oh, has anyone reviewed those risk management plans 509 00:24:36,280 --> 00:24:39,359 Speaker 5: for this client? Or has anyone reviewed that grant application 510 00:24:39,560 --> 00:24:41,879 Speaker 5: or that letter they're like no, I'm sorry, like I 511 00:24:41,880 --> 00:24:45,640 Speaker 5: didn't get it, and I'm like, mate, I can see it. Friends, 512 00:24:45,920 --> 00:24:49,959 Speaker 5: So you sin learn, yeah, that this unfounded sort of 513 00:24:50,320 --> 00:24:53,560 Speaker 5: feeling of inadequacy, and you think, well, actually. 514 00:24:53,440 --> 00:24:56,160 Speaker 2: And it's not true, like you are so adequate, you've 515 00:24:56,200 --> 00:24:58,480 Speaker 2: just never done it before, so it makes sense that 516 00:24:58,520 --> 00:25:00,560 Speaker 2: it wouldn't make sense to you. But I think that 517 00:25:00,560 --> 00:25:03,359 Speaker 2: that's the difference between you know, men and women, and 518 00:25:03,440 --> 00:25:05,240 Speaker 2: we talk about it on the podcast all the time, 519 00:25:05,320 --> 00:25:07,239 Speaker 2: like women will only apply for a job if they 520 00:25:07,240 --> 00:25:09,399 Speaker 2: think they meet one hundred percent of the criteria, and 521 00:25:09,440 --> 00:25:11,080 Speaker 2: men are just kind of like floating along. They're like 522 00:25:11,080 --> 00:25:14,200 Speaker 2: sixty percent. That sounds good, that peace, get degrees, no worries, 523 00:25:14,520 --> 00:25:17,240 Speaker 2: And I feel like every aspect of our lives kind 524 00:25:17,240 --> 00:25:19,600 Speaker 2: of that filters into it because you know, I'm not 525 00:25:19,600 --> 00:25:22,680 Speaker 2: going to make assumptions, but I'm assuming you already would 526 00:25:22,680 --> 00:25:25,320 Speaker 2: have been overwhelmed with this idea of a board because 527 00:25:25,400 --> 00:25:27,359 Speaker 2: I was. I was like, oh my gosh, like I 528 00:25:27,400 --> 00:25:29,919 Speaker 2: cannot believe, Like it was like this massive piece of 529 00:25:29,960 --> 00:25:32,080 Speaker 2: imposter syndrome where I was like, I can't believe they're 530 00:25:32,119 --> 00:25:33,800 Speaker 2: not only letting me in, but they want me to 531 00:25:33,840 --> 00:25:36,280 Speaker 2: be the treasurer, Like, what on earth They're going to 532 00:25:36,359 --> 00:25:38,920 Speaker 2: find out that I'm terrible at least at some point 533 00:25:39,000 --> 00:25:40,520 Speaker 2: They're going to fire me, and I'm going to be 534 00:25:40,600 --> 00:25:44,240 Speaker 2: so embarrassed, And you know that's not the case at all. 535 00:25:44,320 --> 00:25:46,800 Speaker 2: But I just don't think men have that same thought 536 00:25:46,840 --> 00:25:49,560 Speaker 2: bat no, because they've never been put in a circumstance 537 00:25:49,680 --> 00:25:53,520 Speaker 2: like that where their gender like is reflective of their 538 00:25:53,560 --> 00:25:55,879 Speaker 2: ability to do a job. And you know, people just 539 00:25:55,920 --> 00:25:58,200 Speaker 2: assume we wouldn't know, right, we were silly little women. 540 00:25:58,359 --> 00:26:00,880 Speaker 2: And now I'm sure you kill it because you spent 541 00:26:01,080 --> 00:26:04,120 Speaker 2: so long pouring over the details and really understanding what 542 00:26:04,160 --> 00:26:07,359 Speaker 2: makes that board up of But essentially, like boards aren't 543 00:26:07,480 --> 00:26:10,200 Speaker 2: as overwhelming and frustrating. And if other women are listening, 544 00:26:10,560 --> 00:26:12,680 Speaker 2: join one do it, would you say the same thing? 545 00:26:13,040 --> 00:26:16,240 Speaker 5: Yeah? Definitely. Before I was approached, I would never have seen, 546 00:26:16,520 --> 00:26:19,439 Speaker 5: you know, an advertisement and thought, oh my gosh, like 547 00:26:19,480 --> 00:26:21,240 Speaker 5: I should apply for this board. I would have thought 548 00:26:21,280 --> 00:26:24,439 Speaker 5: that is for a male who is super experienced in 549 00:26:24,480 --> 00:26:28,160 Speaker 5: their field. You know, obviously has a finance background, and 550 00:26:28,680 --> 00:26:31,320 Speaker 5: you know, it's been one of the best experiences because 551 00:26:31,640 --> 00:26:35,399 Speaker 5: you are an advocate for vulnerable groups in our community 552 00:26:35,920 --> 00:26:38,480 Speaker 5: and you bring such a wealth of knowledge being from 553 00:26:38,520 --> 00:26:41,520 Speaker 5: an educational background, like you can look at things and say, well, 554 00:26:41,880 --> 00:26:45,000 Speaker 5: what is the value in this particular service that we're 555 00:26:45,080 --> 00:26:48,360 Speaker 5: providing it? And I'm a big advocate for in disability 556 00:26:48,400 --> 00:26:53,000 Speaker 5: service provision that we're not just providing something for people 557 00:26:53,040 --> 00:26:55,200 Speaker 5: to do, Like it's not just to fill your date 558 00:26:55,520 --> 00:26:58,399 Speaker 5: like it should be meaningful. What life skills does this 559 00:26:58,560 --> 00:27:01,760 Speaker 5: activity give this person? How does it prepare them to 560 00:27:01,880 --> 00:27:05,600 Speaker 5: become more independent and transition into independent living if that's 561 00:27:05,640 --> 00:27:08,520 Speaker 5: their goal. So I think it's a you know, if 562 00:27:08,600 --> 00:27:11,200 Speaker 5: it opens up so many opportunities. You get to meet 563 00:27:11,280 --> 00:27:14,200 Speaker 5: clients and you know, they're very open, they will tell 564 00:27:14,240 --> 00:27:16,680 Speaker 5: you if something's not right, and you know, it really 565 00:27:16,760 --> 00:27:19,840 Speaker 5: drives that incentive to think, well, okay, well we need 566 00:27:19,880 --> 00:27:21,960 Speaker 5: to fix that. And I think a lot of times 567 00:27:21,960 --> 00:27:25,240 Speaker 5: I've said during a meeting, oh well that's a minor issue. 568 00:27:25,240 --> 00:27:27,160 Speaker 5: I said, okay, well, in the scheme of things, it's 569 00:27:27,160 --> 00:27:29,600 Speaker 5: a minor issue for you, But for this client every 570 00:27:29,680 --> 00:27:31,520 Speaker 5: day it annoys them. So let's just get in and 571 00:27:31,520 --> 00:27:32,080 Speaker 5: get it done. 572 00:27:32,440 --> 00:27:34,800 Speaker 2: Yes, And do you know what baffles me even more 573 00:27:34,960 --> 00:27:37,600 Speaker 2: earlier you told me you didn't tell me the statistics 574 00:27:37,600 --> 00:27:40,200 Speaker 2: but you told me the numbers. You said it was yourself, 575 00:27:40,240 --> 00:27:42,840 Speaker 2: another woman and nine men on the board, right, And 576 00:27:43,119 --> 00:27:46,159 Speaker 2: I was like, sorry, So while you were just talking, 577 00:27:46,160 --> 00:27:49,399 Speaker 2: I did a little bit of googling. My friend. In Australia, 578 00:27:49,480 --> 00:27:52,920 Speaker 2: male teachers make up twenty two percent of all teachers 579 00:27:52,960 --> 00:27:56,760 Speaker 2: in all classrooms in Australia. And to think that then 580 00:27:57,000 --> 00:28:00,680 Speaker 2: the saturation in your board is majority made all to me. 581 00:28:00,800 --> 00:28:03,159 Speaker 2: That doesn't make sense, Like we need more women in 582 00:28:03,200 --> 00:28:07,880 Speaker 2: this space, not just because women in leadership roles is important, 583 00:28:08,000 --> 00:28:11,000 Speaker 2: because it is, but I'm sorry, let's make it reflective 584 00:28:11,080 --> 00:28:13,800 Speaker 2: of the industry as well, Like, that makes no sense 585 00:28:13,920 --> 00:28:16,520 Speaker 2: that a majority of men when a lot of the 586 00:28:16,600 --> 00:28:20,879 Speaker 2: issues pertaining to this space issues that impact women directly. 587 00:28:21,480 --> 00:28:24,320 Speaker 2: So I just baffles me. I'm so glad you're there, 588 00:28:24,359 --> 00:28:26,479 Speaker 2: But I also think if you know people in our 589 00:28:26,480 --> 00:28:28,440 Speaker 2: community are thinking about it, put your hat in the ring, 590 00:28:28,560 --> 00:28:32,360 Speaker 2: like you know lots, you're a strong, smart person and 591 00:28:32,520 --> 00:28:35,680 Speaker 2: you will be welcomed into a board, I promise. Often 592 00:28:35,880 --> 00:28:38,880 Speaker 2: people aren't getting onto boards because we're not applying, like 593 00:28:38,960 --> 00:28:41,000 Speaker 2: and I see it when I talk to other boards 594 00:28:41,080 --> 00:28:43,200 Speaker 2: and you know, talk to my friends, like even when 595 00:28:43,200 --> 00:28:45,600 Speaker 2: the slots are available. Women just don't throw their hat 596 00:28:45,600 --> 00:28:47,280 Speaker 2: in the ring because we just don't think that we've 597 00:28:47,280 --> 00:28:49,280 Speaker 2: got enough to add. And you absolutely do. 598 00:28:49,560 --> 00:28:52,080 Speaker 5: Yeah, definitely, And I've said it to a lot of 599 00:28:52,120 --> 00:28:55,400 Speaker 5: my friends and some of them are younger and a 600 00:28:55,440 --> 00:28:57,720 Speaker 5: couple of them are on boards as well, and it's 601 00:28:57,760 --> 00:29:00,440 Speaker 5: just so great to see that. You know, they are applying, 602 00:29:00,480 --> 00:29:02,960 Speaker 5: but we're trying to encourage other women as well. And 603 00:29:03,080 --> 00:29:05,680 Speaker 5: you can start small. It might be with your local 604 00:29:06,160 --> 00:29:09,600 Speaker 5: football club, network club, you know, a really small provider 605 00:29:09,760 --> 00:29:13,080 Speaker 5: of a particular service, and you can branch out from there. 606 00:29:13,640 --> 00:29:16,320 Speaker 5: I think, you know, look for those opportunities, but also 607 00:29:16,440 --> 00:29:20,320 Speaker 5: ask you know, if you see advertisements for annual general 608 00:29:20,360 --> 00:29:23,280 Speaker 5: meetings being held, you can go along to them. You 609 00:29:23,320 --> 00:29:27,160 Speaker 5: can express an interest beforehand, particularly if they do say, look, 610 00:29:27,280 --> 00:29:31,880 Speaker 5: we are calling for nominations. So yeah, there's definitely opportunities out. 611 00:29:31,720 --> 00:29:34,040 Speaker 2: There, and it's cool to have an impact in a 612 00:29:34,040 --> 00:29:36,720 Speaker 2: space that you're passionate about as well. And it sounds 613 00:29:36,760 --> 00:29:38,840 Speaker 2: like you're doing that and I'm just I'm proud to 614 00:29:38,840 --> 00:29:40,840 Speaker 2: say that you're part of our shes On the mining community. 615 00:29:40,920 --> 00:29:44,480 Speaker 2: You sound like a stellar human being. Thank you Money Dorest, 616 00:29:44,520 --> 00:29:46,840 Speaker 2: Thank you so much for joining us today. It has 617 00:29:46,960 --> 00:29:50,080 Speaker 2: been an absolute pleasure learning more about you and your 618 00:29:50,160 --> 00:29:52,720 Speaker 2: journey and everything that you've been through. I feel like 619 00:29:52,840 --> 00:29:55,640 Speaker 2: you are so impactful and so young and have so 620 00:29:55,760 --> 00:29:58,000 Speaker 2: far to go yet. Thank you for being part of 621 00:29:58,000 --> 00:30:00,360 Speaker 2: our community and thank you for joining us for Money 622 00:30:00,360 --> 00:30:01,000 Speaker 2: Diary today. 623 00:30:01,120 --> 00:30:02,320 Speaker 5: Thank you so much for having me. 624 00:30:02,720 --> 00:30:05,720 Speaker 2: No, of course, all right, Jess. That is all. We 625 00:30:05,800 --> 00:30:08,840 Speaker 2: will see you guys for another episode of Money Diaries 626 00:30:08,880 --> 00:30:09,440 Speaker 2: next week. 627 00:30:09,640 --> 00:30:14,520 Speaker 4: Bye. 628 00:30:16,520 --> 00:30:19,040 Speaker 2: The advice shared on She's on the Money is general 629 00:30:19,120 --> 00:30:22,960 Speaker 2: in nature and does not consider your individual circumstances. She's 630 00:30:23,000 --> 00:30:26,480 Speaker 2: on the Money exists purely for educational purposes and should 631 00:30:26,520 --> 00:30:29,640 Speaker 2: not be relied upon to make an investment or financial decision. 632 00:30:30,080 --> 00:30:32,520 Speaker 2: If you do choose to buy a financial product, read 633 00:30:32,520 --> 00:30:36,640 Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards 634 00:30:36,720 --> 00:30:40,000 Speaker 2: your needs. Victoria Divine and She's on the Money are 635 00:30:40,040 --> 00:30:45,080 Speaker 2: authorized representatives of Money Shoper Pty Ltd ABN three two 636 00:30:45,080 --> 00:30:49,040 Speaker 2: one six four nine two seven seven zero eight AFSL 637 00:30:49,200 --> 00:31:04,240 Speaker 2: four five one two eight nine