1 00:00:01,320 --> 00:00:03,120 Speaker 1: She's on the Money. 2 00:00:03,279 --> 00:00:05,519 Speaker 2: She's on the Money. 3 00:00:14,800 --> 00:00:17,800 Speaker 1: Hello, and welcome to She's on the Money, the podcast 4 00:00:17,800 --> 00:00:22,000 Speaker 1: for Millennials who want financial freedom. My name is Victoria Devine. 5 00:00:22,079 --> 00:00:24,439 Speaker 1: I am a millennial, I am a financial advisor, and 6 00:00:24,520 --> 00:00:27,960 Speaker 1: I am wildly passionate about financial literacy. And today on 7 00:00:28,000 --> 00:00:30,600 Speaker 1: the show, I'm joined again this week by Ryan John 8 00:00:30,640 --> 00:00:33,879 Speaker 1: and Jessica, our fellow She's on the Money team members. 9 00:00:33,920 --> 00:00:36,360 Speaker 1: And this week we are talking money wins, we are 10 00:00:36,360 --> 00:00:39,320 Speaker 1: talking the community, and we are talking about goals, which 11 00:00:39,360 --> 00:00:41,360 Speaker 1: we spoke about on our podcast this week. 12 00:00:41,479 --> 00:00:41,639 Speaker 2: Yep. 13 00:00:41,720 --> 00:00:44,879 Speaker 3: And I think within what half an hour of posting that, 14 00:00:44,920 --> 00:00:47,040 Speaker 3: how many comments do we get with people sharing the goal? 15 00:00:47,159 --> 00:00:49,040 Speaker 1: Drud of people being like, this is my goal, and 16 00:00:49,040 --> 00:00:51,280 Speaker 1: I'm so proud of you all, but my gosh, you 17 00:00:51,440 --> 00:00:54,440 Speaker 1: overwhelm me with your generosity when it comes to sharing 18 00:00:54,480 --> 00:00:58,600 Speaker 1: in this group. It is actually crazy. Jess and Ryan 19 00:00:58,920 --> 00:01:01,040 Speaker 1: of that thread, did you do you have a favorite 20 00:01:01,120 --> 00:01:03,840 Speaker 1: goal that someone had? Shit? I sure do. 21 00:01:04,280 --> 00:01:07,000 Speaker 2: My favorite goal was from Valentine, and Valentine said, in 22 00:01:07,000 --> 00:01:09,080 Speaker 2: addition to wanting to save, she wanted to buy a 23 00:01:09,120 --> 00:01:11,440 Speaker 2: jet ski and I am all on board that train. 24 00:01:11,520 --> 00:01:12,080 Speaker 3: I think that's. 25 00:01:11,920 --> 00:01:14,880 Speaker 1: Amazing I'm glad you've picked and really like momentous money 26 00:01:14,880 --> 00:01:17,520 Speaker 1: win there or a goal, you know what, it's in 27 00:01:17,560 --> 00:01:19,480 Speaker 1: line with your values. Friends, get your jet ski. 28 00:01:19,560 --> 00:01:21,720 Speaker 3: Love. Imagine saving up for a jet ski and the 29 00:01:21,760 --> 00:01:24,039 Speaker 3: satisfaction you would feel the first time you put it 30 00:01:24,040 --> 00:01:26,000 Speaker 3: into the water and you're like, yeah, I save. 31 00:01:25,880 --> 00:01:27,440 Speaker 1: For this, Oh my gosh. But if you put it 32 00:01:27,480 --> 00:01:29,600 Speaker 1: into the water anywhere near the beach that my parents 33 00:01:29,640 --> 00:01:31,360 Speaker 1: go to, you, they'll yell at you from the beach 34 00:01:31,760 --> 00:01:34,640 Speaker 1: being too close to the foreshore. And that's definitely not 35 00:01:34,680 --> 00:01:35,760 Speaker 1: so many yards out. 36 00:01:35,840 --> 00:01:37,080 Speaker 3: Does your dad Wavey's fist. 37 00:01:37,240 --> 00:01:40,319 Speaker 1: Oh, he probably does. Like he's always like, oh, they're 38 00:01:40,360 --> 00:01:43,120 Speaker 1: so territorial, Like they shouldn't be anywhere near the water. 39 00:01:43,680 --> 00:01:45,160 Speaker 3: They're a jet ski. Where should they be? 40 00:01:45,560 --> 00:01:47,600 Speaker 1: They should be in the water. But I think there's 41 00:01:47,600 --> 00:01:49,960 Speaker 1: a bit of a stereotype going round about jet ski 42 00:01:50,000 --> 00:01:51,240 Speaker 1: as being hoon's. 43 00:01:51,320 --> 00:01:54,440 Speaker 3: You could say, what was her name again, Valentine's Valentine? 44 00:01:54,600 --> 00:01:56,640 Speaker 1: Valentine sounds too classy to be a hoon. 45 00:01:56,840 --> 00:01:58,760 Speaker 3: Can you just let us know, Valentine if a you're 46 00:01:58,800 --> 00:02:01,360 Speaker 3: a hoon who's been yelled at by Victoria's dad, And 47 00:02:01,400 --> 00:02:03,480 Speaker 3: also just keep us updated throughout the year, because I'd 48 00:02:03,520 --> 00:02:05,680 Speaker 3: love nothing more than towards the back end of the year. 49 00:02:05,800 --> 00:02:07,440 Speaker 1: Will you come to the beach with us, we have 50 00:02:07,440 --> 00:02:08,360 Speaker 1: a beach party and go. 51 00:02:09,840 --> 00:02:11,240 Speaker 3: Let's Keith, what an absolute legend. 52 00:02:11,320 --> 00:02:13,359 Speaker 1: I love that, Ryan, What have you got? 53 00:02:13,480 --> 00:02:16,440 Speaker 3: Ruby Rose says, this is the first year that my 54 00:02:16,560 --> 00:02:19,079 Speaker 3: husband and I have both had an income, So we've 55 00:02:19,080 --> 00:02:21,680 Speaker 3: got two full incomes for the first time ever, and 56 00:02:21,800 --> 00:02:24,240 Speaker 3: our goal is to continue living off just one of 57 00:02:24,280 --> 00:02:28,160 Speaker 3: them and completely save the entire second income. 58 00:02:28,320 --> 00:02:31,360 Speaker 1: Okay, so that'spic and I love that goal, and that 59 00:02:31,520 --> 00:02:34,040 Speaker 1: is so about living within your means and making sure 60 00:02:34,080 --> 00:02:36,960 Speaker 1: that you don't experience lifestyle creep. That is awesome. 61 00:02:37,040 --> 00:02:39,080 Speaker 3: Well, I think the fact that they've proved to themselves 62 00:02:39,160 --> 00:02:41,080 Speaker 3: that they've already done it. We've lived off one wage. 63 00:02:41,080 --> 00:02:42,560 Speaker 3: We know we can live off one wage. We can 64 00:02:42,600 --> 00:02:44,720 Speaker 3: do it. It seems realistic. But I was actually going to 65 00:02:44,760 --> 00:02:47,840 Speaker 3: ask V how many people do you think when they 66 00:02:47,880 --> 00:02:50,239 Speaker 3: have more money coming in going Yep, that extra twenty 67 00:02:50,280 --> 00:02:52,760 Speaker 3: grand or this extra whole wage is going here. But 68 00:02:52,800 --> 00:02:53,680 Speaker 3: then it doesn't happen. 69 00:02:53,800 --> 00:02:56,560 Speaker 1: Oh, it hardly ever happens. And it's because we all 70 00:02:56,600 --> 00:02:59,200 Speaker 1: have the best intentions, but we don't have a plan 71 00:02:59,280 --> 00:03:02,040 Speaker 1: in place to actually get that done. And the way 72 00:03:02,160 --> 00:03:04,400 Speaker 1: to do that would be to make sure that whatever 73 00:03:04,440 --> 00:03:07,120 Speaker 1: money is coming in goes straight to a savings account 74 00:03:07,160 --> 00:03:09,200 Speaker 1: and you automate that, because if you don't, you're setup 75 00:03:09,240 --> 00:03:09,720 Speaker 1: for failure. 76 00:03:09,800 --> 00:03:11,960 Speaker 3: All right, that's good advice. V your favorite one. 77 00:03:12,080 --> 00:03:15,119 Speaker 1: Okay, mine's definitely not as impactful as yours. Is probably 78 00:03:15,160 --> 00:03:17,120 Speaker 1: more on the same page as a jest, but because 79 00:03:17,120 --> 00:03:21,079 Speaker 1: it's dog related, I would argue it's better. Lily says 80 00:03:21,200 --> 00:03:23,560 Speaker 1: she has the goal of buying a house. Fantastic, but 81 00:03:23,600 --> 00:03:24,880 Speaker 1: she also wants to buy a kovoodle. 82 00:03:25,160 --> 00:03:27,120 Speaker 2: So one of my friends one of those, and they 83 00:03:27,120 --> 00:03:28,600 Speaker 2: are the cutest, sweetest little dogs. 84 00:03:28,600 --> 00:03:30,200 Speaker 1: They look like little teddy bears. 85 00:03:30,639 --> 00:03:32,639 Speaker 3: Which dog is your dog? Again? Is that a kovoodle? 86 00:03:32,800 --> 00:03:34,880 Speaker 1: No? Not a kvoodle? It sounds so lame. I always 87 00:03:34,880 --> 00:03:37,920 Speaker 1: say she's an old English sheep dog crosspoodle because it 88 00:03:38,000 --> 00:03:42,040 Speaker 1: sounds much less lame than saying my dog, Lucy's a sheeperdoodle. 89 00:03:43,680 --> 00:03:47,839 Speaker 3: That's terrible, are you? And like, obviously anyone that's been 90 00:03:47,920 --> 00:03:50,640 Speaker 3: anywhere near Instagram over the last month has seen this. 91 00:03:50,920 --> 00:03:53,840 Speaker 1: Dog dog dog dog cat cat dog dog dog. Yeah, 92 00:03:53,840 --> 00:03:56,240 Speaker 1: that's pretty much my Instagram at the moment, I'm sorry, 93 00:03:56,240 --> 00:03:58,640 Speaker 1: guys her instagram as well. She has one at Lucy 94 00:03:58,880 --> 00:04:03,640 Speaker 1: the Golden Sheep do she does? Jess now manages our 95 00:04:03,680 --> 00:04:05,920 Speaker 1: socials and Lucy's hay on. 96 00:04:06,040 --> 00:04:07,720 Speaker 3: So Jess, who is on the books that she's on 97 00:04:07,760 --> 00:04:10,480 Speaker 3: the money, is spending her paid time to manage your 98 00:04:10,520 --> 00:04:11,400 Speaker 3: dog's Instagram. 99 00:04:11,560 --> 00:04:15,400 Speaker 1: I didn't say that I was a good manager. I 100 00:04:15,400 --> 00:04:20,080 Speaker 1: absolutely would say you, I love so I'm glad. But like, 101 00:04:20,160 --> 00:04:22,320 Speaker 1: that's cause she manages my dog's social account. 102 00:04:22,720 --> 00:04:24,800 Speaker 3: So does is she saving up for the dog? Because 103 00:04:24,920 --> 00:04:26,719 Speaker 3: dogs can actually be expensive. 104 00:04:26,320 --> 00:04:30,160 Speaker 1: Right, Yeah? And that sounds like, yeah, kvoodles can be 105 00:04:30,200 --> 00:04:33,800 Speaker 1: so several thousand dollars exactly. Like I've got friends and 106 00:04:33,839 --> 00:04:36,000 Speaker 1: I think family who've spent more than five thousand dollars 107 00:04:36,040 --> 00:04:38,239 Speaker 1: on these dogs insane. 108 00:04:38,440 --> 00:04:40,480 Speaker 3: So I judge them with my dog BJ, because I 109 00:04:40,520 --> 00:04:42,640 Speaker 3: think we paid eighty bucks for him to some farmer 110 00:04:42,680 --> 00:04:43,640 Speaker 3: that found him at the back. 111 00:04:44,880 --> 00:04:45,960 Speaker 1: But BJ's a legend. 112 00:04:46,240 --> 00:04:47,880 Speaker 3: I was like, I was like, look at these guys, BJ, 113 00:04:47,920 --> 00:04:50,200 Speaker 3: they're kidding themselves. You're a real man. 114 00:04:50,400 --> 00:04:52,920 Speaker 1: Hold on, hold on your rescue. Sleeps on the bed 115 00:04:53,279 --> 00:04:56,279 Speaker 1: on the couch is a silk when it goes outside. Please. 116 00:04:56,279 --> 00:05:00,839 Speaker 3: He's a former farm dog. He's now profetic in a 117 00:04:59,520 --> 00:05:04,279 Speaker 3: sm fum dog. Yeah, we do joke when Bridget my 118 00:05:04,320 --> 00:05:05,600 Speaker 3: wife and I. 119 00:05:05,160 --> 00:05:07,800 Speaker 1: I like, how you keep dropping my wife Bridget all 120 00:05:07,839 --> 00:05:11,760 Speaker 1: this everything that we've done. Yeah, she absolutely is. But 121 00:05:11,800 --> 00:05:14,960 Speaker 1: everyone knows who Bridget is. We love Bridget. We all 122 00:05:14,960 --> 00:05:16,400 Speaker 1: know you got married last week. 123 00:05:16,560 --> 00:05:19,640 Speaker 3: There's three people in our house, Bridget, myself, and the dog. 124 00:05:19,920 --> 00:05:22,159 Speaker 3: BJ and I often team up on Bridget, so it's 125 00:05:22,160 --> 00:05:24,520 Speaker 3: like two verses. One and I always say where team rescue? 126 00:05:26,480 --> 00:05:31,240 Speaker 1: I don't say that you can. You can't say that 127 00:05:32,400 --> 00:05:34,880 Speaker 1: for those of you playing along at home, Ryan, Why 128 00:05:34,920 --> 00:05:36,800 Speaker 1: would you both be team rescue? 129 00:05:37,080 --> 00:05:39,560 Speaker 3: Well? I was also, like BJ, adopted when I was 130 00:05:39,600 --> 00:05:41,440 Speaker 3: quite young. And so anytime if. 131 00:05:41,360 --> 00:05:43,840 Speaker 1: Anyone doesn't know that, that's why that's funny. It was 132 00:05:43,960 --> 00:05:45,320 Speaker 1: like morbidly funny. 133 00:05:45,640 --> 00:05:48,440 Speaker 3: Well, and the anytime Bridget acts like she would act 134 00:05:48,480 --> 00:05:50,520 Speaker 3: like that, BJ, she doesn't understand our lives. 135 00:05:54,279 --> 00:05:56,400 Speaker 1: I don't know if I could deal with you. Well, 136 00:05:56,400 --> 00:05:58,080 Speaker 1: I'm glad glad Bridget puts up with it. 137 00:05:58,360 --> 00:06:01,800 Speaker 3: Yeah, excellent, so am I. She's married to me for life. 138 00:06:02,040 --> 00:06:04,680 Speaker 3: Let's move along to we've gone through some of our favors, 139 00:06:04,720 --> 00:06:07,880 Speaker 3: and please continue to leave your goals for twenty twenty 140 00:06:07,880 --> 00:06:10,599 Speaker 3: one because I think it might be fun til later 141 00:06:10,680 --> 00:06:13,359 Speaker 3: in the year go back find this post and we 142 00:06:13,400 --> 00:06:15,400 Speaker 3: can go through all the goals and see if we 143 00:06:15,480 --> 00:06:17,640 Speaker 3: achieved ours and if everyone in the group achieved theirs 144 00:06:17,640 --> 00:06:18,919 Speaker 3: as well, because it'd be good to come back to. 145 00:06:19,000 --> 00:06:22,360 Speaker 3: But our three goals, Let's start with you, Victoria Devine, 146 00:06:22,520 --> 00:06:25,240 Speaker 3: what are your money goals for twenty twenty one? 147 00:06:25,480 --> 00:06:29,240 Speaker 1: In an earlier episode this week, I announced finally that 148 00:06:29,360 --> 00:06:33,360 Speaker 1: I have achieved my biggest financial goal to date, and 149 00:06:33,400 --> 00:06:36,760 Speaker 1: that is purchasing my first home with my partner Steve. Congratulations, 150 00:06:36,800 --> 00:06:40,320 Speaker 1: thank you, And we are honestly, so so so excited, 151 00:06:41,200 --> 00:06:42,880 Speaker 1: and we've had a number of we're really good at 152 00:06:42,880 --> 00:06:44,760 Speaker 1: TALKI about finance, which I don't think is going to 153 00:06:44,760 --> 00:06:49,640 Speaker 1: surprise any listening. But our financial goal is to be 154 00:06:49,680 --> 00:06:52,680 Speaker 1: able to save enough to you know, change the bathrooms 155 00:06:52,680 --> 00:06:55,120 Speaker 1: and change the kitchen, because when we bought the house, 156 00:06:55,120 --> 00:06:57,280 Speaker 1: it definitely isn't what we wanted it to be. But 157 00:06:57,360 --> 00:06:59,159 Speaker 1: we want to do all of that debt free and 158 00:06:59,240 --> 00:07:01,440 Speaker 1: not going to any debt because obviously we didn't buy 159 00:07:01,480 --> 00:07:03,919 Speaker 1: a house outright, we do now have a mortgage, which 160 00:07:04,040 --> 00:07:07,400 Speaker 1: is terrifying seeing how much debt you're in. But I 161 00:07:07,480 --> 00:07:10,000 Speaker 1: know that it's a good investment, so it's okay. But 162 00:07:10,240 --> 00:07:13,360 Speaker 1: we want to be able to add a kitchen, add bathrooms, 163 00:07:13,360 --> 00:07:14,960 Speaker 1: and you know, do up the house because it is 164 00:07:15,000 --> 00:07:17,760 Speaker 1: a nineteen forties house with an extension on the back 165 00:07:17,840 --> 00:07:21,240 Speaker 1: that has a lot left to be fixed up and changed, 166 00:07:21,280 --> 00:07:23,280 Speaker 1: and like it's going to be really fun. It might 167 00:07:23,320 --> 00:07:25,400 Speaker 1: be a really slow process, but I think it'll be 168 00:07:25,960 --> 00:07:28,200 Speaker 1: really nice knowing that we're not in any more debt 169 00:07:28,320 --> 00:07:30,000 Speaker 1: for it. So that's the plan this year. 170 00:07:30,240 --> 00:07:32,560 Speaker 3: So if people actually want to see the house, they can. 171 00:07:32,640 --> 00:07:35,720 Speaker 3: There's a house tour on Victoria Devine's YouTube channel. 172 00:07:35,960 --> 00:07:37,320 Speaker 1: Yes, we did that together. 173 00:07:37,680 --> 00:07:38,400 Speaker 3: Funnel three of us. 174 00:07:38,440 --> 00:07:40,800 Speaker 1: All three of us were at my house the day 175 00:07:41,000 --> 00:07:43,640 Speaker 1: after I got the keys and had started moving in. 176 00:07:44,240 --> 00:07:46,520 Speaker 2: First thing we put in there. Take a guess, anybody 177 00:07:46,680 --> 00:07:47,480 Speaker 2: the Christmas tree? 178 00:07:47,600 --> 00:07:49,840 Speaker 1: Yeah, of course the Christmas tree is up, even though 179 00:07:49,920 --> 00:07:52,320 Speaker 1: nothing else is. And I had my shoes and my plants. 180 00:07:52,360 --> 00:07:53,640 Speaker 1: I didn't need anything else. 181 00:07:53,840 --> 00:07:55,920 Speaker 3: Now we talk about this as we're doing the house tour, 182 00:07:55,960 --> 00:07:57,640 Speaker 3: but for people that haven't seen it, I'll just ask 183 00:07:57,680 --> 00:08:01,040 Speaker 3: you again now for our podcast listeners. Your and your 184 00:08:01,080 --> 00:08:03,920 Speaker 3: partner Steve's balance between getting a house in the area 185 00:08:04,000 --> 00:08:07,160 Speaker 3: you wanted versus getting a you know, inverted commas completed 186 00:08:07,320 --> 00:08:09,400 Speaker 3: finished how you would like it to be house. So 187 00:08:09,440 --> 00:08:11,000 Speaker 3: how did you juggle that balance? 188 00:08:11,440 --> 00:08:13,960 Speaker 1: Yeah, that was a hard one because obviously, when you 189 00:08:13,960 --> 00:08:16,960 Speaker 1: have a budget, everything over and above your budget is 190 00:08:17,200 --> 00:08:19,400 Speaker 1: really attractive. Like you see it and you're like, oh, 191 00:08:19,680 --> 00:08:22,680 Speaker 1: that was three hundred thousand dollars less, that'd be perfect. 192 00:08:22,760 --> 00:08:25,640 Speaker 1: It's that you're absolutely dreaming, Victoria. So to be honest, 193 00:08:25,760 --> 00:08:28,560 Speaker 1: we got really really lucky, and we didn't think that 194 00:08:28,600 --> 00:08:30,360 Speaker 1: we'd be able to afford to buy the house that 195 00:08:30,400 --> 00:08:33,280 Speaker 1: we did end up buying. I say house. We've literally 196 00:08:33,320 --> 00:08:35,280 Speaker 1: bought a house when we didn't even think that that 197 00:08:35,440 --> 00:08:37,319 Speaker 1: was going to be a reality for us. And I'm 198 00:08:37,320 --> 00:08:40,400 Speaker 1: really open with our goals, but we thought we could 199 00:08:40,440 --> 00:08:42,720 Speaker 1: maybe buy, you know, two bedroom unit or a three 200 00:08:42,720 --> 00:08:44,760 Speaker 1: bedroom unit if we could afford it. And I think 201 00:08:44,840 --> 00:08:47,280 Speaker 1: we got really lucky during COVID when we're in super 202 00:08:47,280 --> 00:08:51,240 Speaker 1: lockdown and literally purchased the week after lockdown came back, 203 00:08:51,600 --> 00:08:53,640 Speaker 1: and I was working with one of my girlfriends and 204 00:08:53,800 --> 00:08:58,000 Speaker 1: also an incredibly good buyers advocate Amy Lenardi, who found 205 00:08:58,040 --> 00:09:00,440 Speaker 1: this house for us off market, and it's actually the 206 00:09:00,440 --> 00:09:02,719 Speaker 1: family who owned it had already left the country and 207 00:09:02,840 --> 00:09:04,800 Speaker 1: needed to get rid of it asap, so we had 208 00:09:04,840 --> 00:09:07,360 Speaker 1: to move super quickly. It was definitely a do as 209 00:09:07,360 --> 00:09:09,120 Speaker 1: I say, not as I do kind of moment, because 210 00:09:09,120 --> 00:09:11,280 Speaker 1: it is not a process or the process we went through. 211 00:09:11,280 --> 00:09:13,480 Speaker 1: It's not something I would recommend to others, just because 212 00:09:13,480 --> 00:09:16,640 Speaker 1: there was a fair bit of risk involved given how 213 00:09:16,720 --> 00:09:19,000 Speaker 1: quick we needed to move on it. But we did 214 00:09:19,120 --> 00:09:21,560 Speaker 1: end up getting what I would say is definitely my 215 00:09:21,679 --> 00:09:24,800 Speaker 1: dream house at this point in my life. You know, 216 00:09:24,920 --> 00:09:27,840 Speaker 1: we've bought a three bedroom house with heaps of space. 217 00:09:27,880 --> 00:09:30,000 Speaker 1: I've got a backyard, I was able to get a dog, 218 00:09:30,080 --> 00:09:31,600 Speaker 1: which you guys probably would have seen. 219 00:09:31,800 --> 00:09:33,120 Speaker 3: A really nice area as well. 220 00:09:33,160 --> 00:09:36,480 Speaker 1: Really beautiful area, and we just feel very very grateful 221 00:09:36,920 --> 00:09:37,760 Speaker 1: being in that position. 222 00:09:37,840 --> 00:09:40,600 Speaker 3: Yeah, but you are, as we were saying, it's probably not finished. 223 00:09:40,600 --> 00:09:41,319 Speaker 3: You're going to spend a bit. 224 00:09:41,280 --> 00:09:43,040 Speaker 1: Of act not finished. 225 00:09:43,160 --> 00:09:45,600 Speaker 3: Gess what would you how would you describe the splashback 226 00:09:45,679 --> 00:09:52,040 Speaker 3: in the kitchen Red's red. 227 00:09:52,120 --> 00:09:54,679 Speaker 1: I don't know, that's not even the highlight of the house. 228 00:09:54,720 --> 00:09:58,680 Speaker 1: I would argue the false ceilings in the bathroom. 229 00:09:58,120 --> 00:10:02,320 Speaker 2: Made of tin. They're all like, not even tiles, just tin. 230 00:10:02,520 --> 00:10:05,560 Speaker 1: That was a really dodgy DOROI effort. Yeah, Like, we've 231 00:10:05,600 --> 00:10:09,679 Speaker 1: got these big, beautiful old nineteen forty ceilings and they 232 00:10:09,720 --> 00:10:12,360 Speaker 1: decided to cut them down to about seven. 233 00:10:12,080 --> 00:10:13,760 Speaker 3: Foot so and just have this weird gap. 234 00:10:14,240 --> 00:10:16,520 Speaker 1: Weird gap in between and like remove all of the 235 00:10:16,600 --> 00:10:19,240 Speaker 1: lighting and oh my gosh, it's horrendous. But if you 236 00:10:19,280 --> 00:10:21,640 Speaker 1: watch the video, you know exactly what we're talking about. 237 00:10:21,760 --> 00:10:24,200 Speaker 3: Check out the video. It is great fun, and I 238 00:10:24,200 --> 00:10:27,240 Speaker 3: think that's a great goal. To renovate a house without 239 00:10:27,280 --> 00:10:30,080 Speaker 3: going into more debt is a big goal. But I'm 240 00:10:30,080 --> 00:10:32,439 Speaker 3: actually excited to watch it happen and everyone else will do. 241 00:10:32,640 --> 00:10:34,439 Speaker 1: It's so fun, and I think, yeah, we're going to 242 00:10:34,520 --> 00:10:37,440 Speaker 1: document the entire thing via YouTube, because once we've saved 243 00:10:37,520 --> 00:10:39,720 Speaker 1: up enough for a bathroom, we'll do the renolds of 244 00:10:39,760 --> 00:10:41,800 Speaker 1: that bathroom and we'll share the journey with you. I 245 00:10:41,920 --> 00:10:43,680 Speaker 1: really want to be able to share like the budgets 246 00:10:43,679 --> 00:10:46,520 Speaker 1: associated with that, because at the moment I'm saying I 247 00:10:46,600 --> 00:10:48,679 Speaker 1: have the goal of this, but I actually can't tell 248 00:10:48,720 --> 00:10:50,959 Speaker 1: you what that goal is financially right now, because I 249 00:10:51,000 --> 00:10:53,840 Speaker 1: don't know what a bathroom costs. So the next month 250 00:10:53,960 --> 00:10:55,640 Speaker 1: or so, my partner and I are getting quotes to 251 00:10:55,720 --> 00:10:58,920 Speaker 1: bathrooms and kitchens, and you know, we'd love some new flooring, 252 00:10:59,000 --> 00:11:01,520 Speaker 1: and just we're going through all of that process at 253 00:11:01,520 --> 00:11:04,439 Speaker 1: the moment to work out, right, what's reasonable to pay 254 00:11:04,600 --> 00:11:07,439 Speaker 1: for a bathroom? How does that work. I didn't actually 255 00:11:07,520 --> 00:11:10,400 Speaker 1: realize how expensive it was to move plumbing around the house. 256 00:11:12,360 --> 00:11:13,760 Speaker 3: You're sing, put the bathroom over there. 257 00:11:13,760 --> 00:11:18,440 Speaker 1: I was like, Okay, no, I'm not, so we're gonna 258 00:11:18,480 --> 00:11:22,480 Speaker 1: have to maybe realign my expectations. But I think it'll 259 00:11:22,520 --> 00:11:24,920 Speaker 1: be really interesting just to get these quotes and understand 260 00:11:25,000 --> 00:11:28,160 Speaker 1: how much these things are and then prioritize what parts 261 00:11:28,200 --> 00:11:30,480 Speaker 1: of the house we're going to do first, and then Jess, 262 00:11:30,600 --> 00:11:33,000 Speaker 1: Ryan and I and some videographers that are going to 263 00:11:33,040 --> 00:11:35,320 Speaker 1: work with us, we're going to document the entire process. 264 00:11:35,320 --> 00:11:36,560 Speaker 1: And I just think it'll be really fun. 265 00:11:36,720 --> 00:11:38,680 Speaker 3: Yeah, I agree. I'm very much looking forward to it 266 00:11:38,679 --> 00:11:40,280 Speaker 3: seeing how actually. 267 00:11:40,000 --> 00:11:42,800 Speaker 1: She's on the money, but it's she's on the block. Guys. 268 00:11:44,040 --> 00:11:46,440 Speaker 3: Jess, welcome to the team. First of all, thank you. 269 00:11:47,120 --> 00:11:49,480 Speaker 3: What are your money goals for twenty twenty one besides 270 00:11:49,559 --> 00:11:50,680 Speaker 3: landing this new sweet job? 271 00:11:50,960 --> 00:11:52,600 Speaker 2: Well, kind of in line with that, and a little 272 00:11:52,600 --> 00:11:55,679 Speaker 2: bit embarrassingly, having formerly been a community member and now 273 00:11:55,679 --> 00:12:00,560 Speaker 2: obviously being an employee, I don't have an actual budget, 274 00:12:01,000 --> 00:12:04,760 Speaker 2: so I have been using up bank love it and say. 275 00:12:04,559 --> 00:12:08,200 Speaker 1: This's a proper sheets on the money. I am one of. 276 00:12:08,120 --> 00:12:10,760 Speaker 2: You, So I have been using up bankers kind of 277 00:12:10,760 --> 00:12:14,160 Speaker 2: like I designate what I have, like my groceries for 278 00:12:14,200 --> 00:12:17,000 Speaker 2: the Fortnite or whatever that might be. However, I've never 279 00:12:17,000 --> 00:12:19,360 Speaker 2: actually looked at my cashlong okay, like this is what's 280 00:12:19,360 --> 00:12:21,200 Speaker 2: coming in, this is what's going out, this is what 281 00:12:21,480 --> 00:12:24,800 Speaker 2: plausibly I could put towards my bigger financial goal, which 282 00:12:24,800 --> 00:12:25,559 Speaker 2: is a house deposit. 283 00:12:26,679 --> 00:12:30,240 Speaker 1: Boss was a financial advice who knew your salary. You 284 00:12:30,360 --> 00:12:31,440 Speaker 1: talk openly about that. 285 00:12:31,559 --> 00:12:34,839 Speaker 3: How good, weird one? Do you have the budgeting and 286 00:12:34,880 --> 00:12:35,839 Speaker 3: cash Flow master class? 287 00:12:35,920 --> 00:12:37,520 Speaker 2: Victoria kindly gifted me access. 288 00:12:37,600 --> 00:12:38,640 Speaker 3: I was going to say, we'll take it out of 289 00:12:38,679 --> 00:12:39,079 Speaker 3: your page. 290 00:12:41,440 --> 00:12:44,640 Speaker 1: Not a chance, but that's actually one of our employee 291 00:12:44,640 --> 00:12:47,080 Speaker 1: benefits here and sheet on the money, don't we don't 292 00:12:47,120 --> 00:12:49,400 Speaker 1: have many. We do have an office dog and free 293 00:12:49,400 --> 00:12:51,560 Speaker 1: access to the budget cashflow masterclass. 294 00:12:51,559 --> 00:12:53,880 Speaker 2: All about it though, Like you showed me that spreadsheet, 295 00:12:53,920 --> 00:12:55,840 Speaker 2: and firstly you can do things with an Excel spreadsheet 296 00:12:55,840 --> 00:12:56,800 Speaker 2: that I know were possible. 297 00:12:56,920 --> 00:12:59,240 Speaker 3: So story divine great in the sheets. That's what I've. 298 00:12:59,160 --> 00:13:05,959 Speaker 2: Always heard that Rossia First, Okay, moving, what were you saying? 299 00:13:06,080 --> 00:13:08,400 Speaker 2: Yess No, I just basically want to get my life 300 00:13:08,400 --> 00:13:10,640 Speaker 2: together and now that I have access to like this 301 00:13:10,720 --> 00:13:13,640 Speaker 2: next level with bang sheet, put everything in see what 302 00:13:13,679 --> 00:13:16,960 Speaker 2: I actually can save and hopefully smash my house deposit. 303 00:13:17,240 --> 00:13:18,840 Speaker 1: I'm very excited for you to set that up. 304 00:13:18,880 --> 00:13:20,840 Speaker 2: I can't wait for you to keep me accountable every week. 305 00:13:21,280 --> 00:13:21,520 Speaker 3: Is that. 306 00:13:24,320 --> 00:13:27,439 Speaker 1: I'm sorry? I'm pretty sure I pay for you. 307 00:13:28,720 --> 00:13:29,040 Speaker 3: All right? 308 00:13:29,120 --> 00:13:32,640 Speaker 1: Moving on, Ryan John, what are your financial goals this year? 309 00:13:32,840 --> 00:13:36,120 Speaker 3: Well, Bridget and I own a house together. 310 00:13:36,200 --> 00:13:38,040 Speaker 1: But we've real commitment. 311 00:13:38,240 --> 00:13:40,920 Speaker 3: Yeah, but we move for work. So we live in 312 00:13:40,960 --> 00:13:43,000 Speaker 3: Melbourne in the Grampian, so we're in Victoria now, but 313 00:13:43,120 --> 00:13:45,600 Speaker 3: we our house is and in Victoria, so we've got 314 00:13:45,600 --> 00:13:47,600 Speaker 3: rentes in there at moment, which is great, but we 315 00:13:47,640 --> 00:13:49,760 Speaker 3: want to get that I don't know if you like 316 00:13:49,800 --> 00:13:51,839 Speaker 3: the term forever home, but you know that really like 317 00:13:51,920 --> 00:13:54,200 Speaker 3: we want to sit down and have kids here and 318 00:13:54,679 --> 00:13:57,079 Speaker 3: really not have to move again for a really long time. 319 00:13:57,400 --> 00:14:00,599 Speaker 3: So we're starting to look at where like suburbs or 320 00:14:00,640 --> 00:14:03,080 Speaker 3: what area that might be and so and obviously saving 321 00:14:03,080 --> 00:14:06,200 Speaker 3: for that. So I think that might be considering the 322 00:14:06,240 --> 00:14:10,880 Speaker 3: price of property in Melbourne at the moment, probably how 323 00:14:10,880 --> 00:14:13,920 Speaker 3: far out of Melbourne Adelaide it'll probably be. 324 00:14:14,960 --> 00:14:17,360 Speaker 1: It is really expensive now, I've heard, Yeah, I think so, 325 00:14:17,480 --> 00:14:19,800 Speaker 1: because it's like left a little bit bougie now like 326 00:14:19,880 --> 00:14:20,880 Speaker 1: Adelaide's the place to be. 327 00:14:20,960 --> 00:14:24,040 Speaker 3: I've heard everywhere goes up in price except for where 328 00:14:24,120 --> 00:14:28,320 Speaker 3: I own the houses. But yeah, we're probably in two 329 00:14:28,400 --> 00:14:31,280 Speaker 3: years want to have that family forever home. So, as 330 00:14:31,280 --> 00:14:33,560 Speaker 3: we were discussing on the episode on Wednesday and earlier, 331 00:14:33,760 --> 00:14:35,800 Speaker 3: maybe us just breaking that down to a month by 332 00:14:35,880 --> 00:14:37,360 Speaker 3: month to kind of go how much do we need 333 00:14:37,400 --> 00:14:39,040 Speaker 3: to save per month so that in two years time 334 00:14:39,080 --> 00:14:41,280 Speaker 3: we'll have enough for a big, juicy deposit. So I 335 00:14:41,320 --> 00:14:42,920 Speaker 3: think that's sort of where we're at. 336 00:14:43,040 --> 00:14:45,480 Speaker 1: That's actually really exciting and I can't wait for you 337 00:14:45,520 --> 00:14:46,240 Speaker 1: guys to do that. 338 00:14:46,600 --> 00:14:48,960 Speaker 3: Yeah, And I'm really jealous because people don't know this 339 00:14:48,960 --> 00:14:50,920 Speaker 3: about us, but a lot of the time we spent 340 00:14:51,000 --> 00:14:53,240 Speaker 3: this year keeping each other sane, was looking on real 341 00:14:53,360 --> 00:14:55,520 Speaker 3: estate dot com dot au at houses for each other. 342 00:14:55,720 --> 00:14:57,520 Speaker 3: And now that you've bought one, it's sort of like, oh, well, 343 00:14:57,680 --> 00:14:59,520 Speaker 3: we can't really look now, it's not as fun. Yeah. 344 00:15:00,120 --> 00:15:02,040 Speaker 1: I think that was actually so fun because we'd send 345 00:15:02,040 --> 00:15:05,280 Speaker 1: each other like ridiculous houses. I think you found me 346 00:15:05,320 --> 00:15:07,600 Speaker 1: one like way out in Balarat. 347 00:15:07,760 --> 00:15:09,400 Speaker 3: It was in Balerie a three point eight million. I 348 00:15:09,400 --> 00:15:10,840 Speaker 3: was like, what about this just for a weekend. 349 00:15:12,040 --> 00:15:15,800 Speaker 1: Yeah, of course I can't afford a third of that, 350 00:15:17,760 --> 00:15:19,520 Speaker 1: but no, it was really fun, and I think we 351 00:15:19,560 --> 00:15:21,800 Speaker 1: need to take shares in real estate dot com dot are. 352 00:15:21,800 --> 00:15:25,560 Speaker 3: You absolutely now we are going to do things a 353 00:15:25,600 --> 00:15:27,560 Speaker 3: little bit differently. We're still if people want to post 354 00:15:27,560 --> 00:15:29,160 Speaker 3: their money wins in the group, they're more than welcome. 355 00:15:29,200 --> 00:15:31,640 Speaker 3: But jess what are we doing every week? Because we 356 00:15:31,720 --> 00:15:33,560 Speaker 3: kind of want to clump them together, right. 357 00:15:33,480 --> 00:15:35,240 Speaker 1: We want more clarity in the Facebook group. 358 00:15:35,280 --> 00:15:35,600 Speaker 3: We do. 359 00:15:35,840 --> 00:15:36,440 Speaker 1: We've been hard. 360 00:15:36,760 --> 00:15:39,280 Speaker 2: Yeah, we've been listening. We love when you give us feedback, 361 00:15:39,320 --> 00:15:41,120 Speaker 2: and we know that some people will finding it really 362 00:15:41,160 --> 00:15:43,440 Speaker 2: hard to find the specific things that they were looking 363 00:15:43,480 --> 00:15:45,800 Speaker 2: for and the really great discussions we have going on. 364 00:15:46,080 --> 00:15:48,640 Speaker 2: So from now on, every Monday, I will be posting 365 00:15:48,760 --> 00:15:52,600 Speaker 2: up a money win Monday thread, which doesn't just have 366 00:15:52,640 --> 00:15:54,240 Speaker 2: to be for Monday. Of course, you can share them 367 00:15:54,240 --> 00:15:56,240 Speaker 2: with us all week long, but you get a new 368 00:15:56,280 --> 00:15:58,880 Speaker 2: thread every Monday, correct, So I will make sure that 369 00:15:58,880 --> 00:16:01,520 Speaker 2: they're pinned either in the announcements or the pinned posts 370 00:16:01,560 --> 00:16:03,120 Speaker 2: at the top of the page every week, so they're 371 00:16:03,200 --> 00:16:05,200 Speaker 2: super easy for you to find, and then you can 372 00:16:05,240 --> 00:16:08,360 Speaker 2: go through the comments like and interact exactly the same 373 00:16:08,360 --> 00:16:09,920 Speaker 2: as we normally do. It's just going to be a 374 00:16:09,920 --> 00:16:11,280 Speaker 2: little sleeker in the feed. 375 00:16:11,760 --> 00:16:15,120 Speaker 1: I love that. Speaking of our Facebook group, let's head 376 00:16:15,120 --> 00:16:18,400 Speaker 1: back to the community for a minute. We all have 377 00:16:18,520 --> 00:16:21,800 Speaker 1: found our favorite post of the week or of the month. 378 00:16:21,680 --> 00:16:23,720 Speaker 3: Yep, because we've had a cho from over here. 379 00:16:23,760 --> 00:16:26,080 Speaker 1: Yeah, we've had a fair feuder choose from over cosy. 380 00:16:26,480 --> 00:16:30,800 Speaker 1: So before we wrap this episode up, which arguably is 381 00:16:30,840 --> 00:16:33,320 Speaker 1: a lot fluffier than our normal She's on the Money episodes, 382 00:16:33,480 --> 00:16:35,560 Speaker 1: you would have noticed that we've been breaking it up 383 00:16:35,560 --> 00:16:37,800 Speaker 1: a little bit more because one, we love to be 384 00:16:37,800 --> 00:16:39,480 Speaker 1: in your ears more often, so now you're going to 385 00:16:39,560 --> 00:16:41,760 Speaker 1: get three episodes of Shees on the Money each in 386 00:16:41,880 --> 00:16:45,040 Speaker 1: every single week. But two, we feel like this Friday 387 00:16:45,040 --> 00:16:47,520 Speaker 1: wrap is kind of like Friday afternoon drinks or Friday 388 00:16:47,520 --> 00:16:50,080 Speaker 1: morning drinks with your friends and checking in out a 389 00:16:50,120 --> 00:16:52,480 Speaker 1: community and checking in with our friends and just seeing 390 00:16:52,520 --> 00:16:54,680 Speaker 1: how you're doing and wishing you a good weekend before 391 00:16:54,720 --> 00:16:56,280 Speaker 1: you get to hear your money day on Monday. 392 00:16:56,520 --> 00:16:58,600 Speaker 3: There definitely is Friday vibes because we have all lost 393 00:16:58,640 --> 00:16:59,040 Speaker 3: the plot. 394 00:16:59,240 --> 00:17:01,960 Speaker 1: Yeah, we have been in the studio for so long. 395 00:17:02,040 --> 00:17:04,720 Speaker 3: Yep. So, Jess, what was your favorite post? 396 00:17:05,200 --> 00:17:07,800 Speaker 2: My favorite post came from Donna, who left us a 397 00:17:07,840 --> 00:17:10,480 Speaker 2: beautiful long summary of her twenty twenty. Like many of us, 398 00:17:10,520 --> 00:17:13,040 Speaker 2: it was a bit of a garbage fire. Started off 399 00:17:13,200 --> 00:17:15,280 Speaker 2: so well. She got her dream job. She was a 400 00:17:15,320 --> 00:17:19,360 Speaker 2: flight attendant working internationally, and then, as you can imagine, 401 00:17:19,400 --> 00:17:23,120 Speaker 2: came crashing down around March. Because I would have had 402 00:17:23,160 --> 00:17:26,080 Speaker 2: it really hard, so tough, her and her partner both 403 00:17:26,080 --> 00:17:29,159 Speaker 2: lost their jobs. Of course, like all of us, she 404 00:17:29,200 --> 00:17:32,280 Speaker 2: went through that really tough period of feeling sorry for herself, 405 00:17:32,320 --> 00:17:34,879 Speaker 2: not being sure what to do, and then kind of 406 00:17:34,920 --> 00:17:37,840 Speaker 2: got it back together around April, started applying for jobs 407 00:17:37,880 --> 00:17:40,359 Speaker 2: like crazy, smashed it out of the top park and 408 00:17:40,400 --> 00:17:43,439 Speaker 2: got a job for herself full time in November. And 409 00:17:43,520 --> 00:17:47,000 Speaker 2: now they've paid off their debt, they're saving she's closed zippage, 410 00:17:47,040 --> 00:17:49,840 Speaker 2: she's closed after pay and she said she's so positive 411 00:17:49,880 --> 00:17:52,480 Speaker 2: and looking to the future now I love that. 412 00:17:53,240 --> 00:17:54,400 Speaker 1: Yeah, that makes my heart. 413 00:17:54,480 --> 00:17:56,639 Speaker 3: So, yeah, there are some great stories like that in 414 00:17:56,680 --> 00:17:58,480 Speaker 3: the group of It has been a tough year, but 415 00:17:58,520 --> 00:18:02,840 Speaker 3: even just that, you just say green shoots of positivity 416 00:18:02,840 --> 00:18:04,399 Speaker 3: coming into a new year with a new job and 417 00:18:04,400 --> 00:18:05,600 Speaker 3: stuff like that job's coming back. 418 00:18:05,840 --> 00:18:09,000 Speaker 1: Yeah, I'm so excited for them. How epic is bat Ryan? 419 00:18:09,080 --> 00:18:11,760 Speaker 1: Did you have a post that you really liked this week? 420 00:18:12,440 --> 00:18:16,080 Speaker 3: I've never seen someone Usually when you're like, I want 421 00:18:16,080 --> 00:18:17,639 Speaker 3: to save this amount of money, you kind of like 422 00:18:17,840 --> 00:18:19,480 Speaker 3: almost get there if you get close. 423 00:18:19,720 --> 00:18:22,000 Speaker 1: But it's like if you save ten thousand dollars, you're like, yeah, 424 00:18:22,080 --> 00:18:26,200 Speaker 1: eight thousand, one hundred, Yeah, yeah, I mean that's good. 425 00:18:26,440 --> 00:18:29,520 Speaker 3: So Mel said that this year, and this is from December. 426 00:18:29,640 --> 00:18:30,840 Speaker 3: She said it was a bit of a due or 427 00:18:30,880 --> 00:18:33,000 Speaker 3: die year for me. I was really determined to save 428 00:18:33,160 --> 00:18:35,520 Speaker 3: thirty five thousand by the end of the year. 429 00:18:35,800 --> 00:18:38,480 Speaker 1: That's a big goal. Yeah, that's a massive goal. 430 00:18:38,320 --> 00:18:41,440 Speaker 3: Of I know. And she thought that herself. When everything 431 00:18:41,480 --> 00:18:43,480 Speaker 3: started turning to crab you know, she goes, Okay, maybe 432 00:18:43,480 --> 00:18:46,080 Speaker 3: thirty five is pushing it. I'll just settle for thirty. Well, 433 00:18:46,119 --> 00:18:50,680 Speaker 3: by the end of the year, she hit forty thousand, dollars, 434 00:18:50,720 --> 00:18:53,720 Speaker 3: so she exceeded her original prediction by five thousand, and 435 00:18:53,760 --> 00:18:54,600 Speaker 3: then even after she brought it. 436 00:18:54,600 --> 00:18:59,120 Speaker 1: Down, I accidentally saved an extra five grand. I cannot 437 00:18:59,440 --> 00:19:01,200 Speaker 1: say that I've ever been in that position. 438 00:19:01,240 --> 00:19:04,600 Speaker 3: Yeah, and that happened. People may recognize this post because 439 00:19:04,640 --> 00:19:07,600 Speaker 3: so many people have commented and just been like, congratulations, 440 00:19:07,600 --> 00:19:12,000 Speaker 3: this is amazing, really impressive. And I agree, Melissa, well 441 00:19:12,040 --> 00:19:14,560 Speaker 3: done your legend. And how you kept saying I sort 442 00:19:14,560 --> 00:19:15,840 Speaker 3: of got to the point where like, oh, I can 443 00:19:15,880 --> 00:19:19,639 Speaker 3: celebrate now, but to keep going, well done to you. 444 00:19:20,280 --> 00:19:20,760 Speaker 3: What's your one? 445 00:19:21,040 --> 00:19:24,000 Speaker 1: All right? So my one is from Mikayla, and this 446 00:19:24,240 --> 00:19:26,040 Speaker 1: actually warmed my heart, and I know that it warmed 447 00:19:26,119 --> 00:19:27,840 Speaker 1: the heart of at least five and a half thousand 448 00:19:27,920 --> 00:19:30,800 Speaker 1: others of you, because that's how many people have liked 449 00:19:30,880 --> 00:19:34,680 Speaker 1: this post thus far. It needs only been recently posted. 450 00:19:35,280 --> 00:19:38,879 Speaker 1: So Michayla said, hello, ladies, first post I've ever shared, 451 00:19:38,920 --> 00:19:41,200 Speaker 1: and I wanted to share a story about my mum, 452 00:19:41,440 --> 00:19:44,240 Speaker 1: which I think is really special because mums are special people. 453 00:19:44,520 --> 00:19:46,359 Speaker 1: She said. About ten years ago, my mum had a 454 00:19:46,400 --> 00:19:50,320 Speaker 1: workplace accident that still sees her struggling today with medical issues. 455 00:19:50,480 --> 00:19:53,040 Speaker 1: She slipped a disk in her back, which is terrible 456 00:19:53,160 --> 00:19:55,640 Speaker 1: and literally the worst. But then she's also been diagnosed 457 00:19:55,640 --> 00:19:58,000 Speaker 1: with type one diabetes, has high blood pressure, and a 458 00:19:58,000 --> 00:20:00,919 Speaker 1: whole heap of other stuff which honestly sucks and is 459 00:20:00,960 --> 00:20:03,960 Speaker 1: the worst. But about three years ago, her and her 460 00:20:04,000 --> 00:20:07,119 Speaker 1: three brothers decided to open and join bank account together 461 00:20:07,320 --> 00:20:10,679 Speaker 1: for their mum, and they've all been contributing ten dollars 462 00:20:10,720 --> 00:20:13,640 Speaker 1: a week each to this account to set aside for her, 463 00:20:13,880 --> 00:20:15,679 Speaker 1: hopefully like go on a cruise or something. But then 464 00:20:15,720 --> 00:20:17,719 Speaker 1: obviously after twenty twenty and no one wants to go 465 00:20:17,760 --> 00:20:21,159 Speaker 1: on a cruise, So on Christmas Day for her present, 466 00:20:21,200 --> 00:20:24,080 Speaker 1: they gave her a bank statement of six seven hundred 467 00:20:24,119 --> 00:20:28,720 Speaker 1: dollars and obviously she said, that's not a direct money win, 468 00:20:28,800 --> 00:20:30,280 Speaker 1: but I just thought it was a really nice story 469 00:20:30,320 --> 00:20:33,320 Speaker 1: to share, which it was, Mikayla, that is so beautiful 470 00:20:33,440 --> 00:20:36,040 Speaker 1: and from a picture it looks like her mum is 471 00:20:36,160 --> 00:20:39,199 Speaker 1: literally broken, like she looks so happy, but also you 472 00:20:39,240 --> 00:20:43,800 Speaker 1: can tell she's bawling her eyes out, So I like, 473 00:20:43,920 --> 00:20:46,879 Speaker 1: how beautiful, And then she said, once my mom found 474 00:20:46,880 --> 00:20:48,600 Speaker 1: her voice, she said that she wants to go on 475 00:20:48,640 --> 00:20:51,800 Speaker 1: a family holiday to New Zealand, one great location, but 476 00:20:51,840 --> 00:20:56,600 Speaker 1: Michayla said, well, I'm better start saving. So I really 477 00:20:56,680 --> 00:20:58,399 Speaker 1: liked that and I thought that was really beautiful and 478 00:20:58,480 --> 00:21:00,720 Speaker 1: I just think that that is a one of my 479 00:21:00,720 --> 00:21:03,160 Speaker 1: favorite quotes from Little Things, Big Things Grow and look 480 00:21:03,160 --> 00:21:05,200 Speaker 1: at the impact that they could have had. Don't you 481 00:21:05,280 --> 00:21:06,000 Speaker 1: dare play that song? 482 00:21:06,080 --> 00:21:07,439 Speaker 3: Ryan Jo? So what did you say? 483 00:21:07,600 --> 00:21:09,840 Speaker 1: No, I'm not gonna say it again. Please leave? 484 00:21:10,040 --> 00:21:10,240 Speaker 2: No? 485 00:21:11,720 --> 00:21:15,400 Speaker 3: Are we almost done? Anyway? Yeah, this is from Little Things, 486 00:21:15,400 --> 00:21:16,160 Speaker 3: Big Things Grow. 487 00:21:18,000 --> 00:21:21,120 Speaker 1: That's the radio hosting Ryan John. But anyway, I thought 488 00:21:21,119 --> 00:21:23,040 Speaker 1: that was a really great post. That just show us 489 00:21:23,080 --> 00:21:25,480 Speaker 1: that over the long term, that stuff does really add 490 00:21:25,600 --> 00:21:28,080 Speaker 1: up and that can really change someone's life. So I 491 00:21:28,119 --> 00:21:30,520 Speaker 1: think that that is just it's awesome. So given I'm 492 00:21:30,520 --> 00:21:33,000 Speaker 1: being played off with music, I think it's about time 493 00:21:33,040 --> 00:21:35,640 Speaker 1: to wrap the show. So just before we head off, though, 494 00:21:35,680 --> 00:21:38,359 Speaker 1: we'd like to acknowledge and pay respect to Australia's Aboriginal 495 00:21:38,359 --> 00:21:41,879 Speaker 1: and Torrestrate islander people's, the traditional custodians of the lands, 496 00:21:41,880 --> 00:21:44,960 Speaker 1: the waterways and the skies all across Australia. We thank 497 00:21:45,000 --> 00:21:46,960 Speaker 1: you for sharing and for caring on the land which 498 00:21:47,000 --> 00:21:49,320 Speaker 1: we are able to learn. We pay our respects to 499 00:21:49,400 --> 00:21:51,879 Speaker 1: elders past and present, and we share our friendship and 500 00:21:52,040 --> 00:21:55,359 Speaker 1: our kindness. Now, the advice shared on Cheese on the Money, 501 00:21:55,400 --> 00:21:58,520 Speaker 1: even on Friday episodes, is general in nature and does 502 00:21:58,640 --> 00:22:01,760 Speaker 1: not consider your personal self ccumstances. She's on the Money 503 00:22:01,800 --> 00:22:05,000 Speaker 1: exists purely for educational purposes and should not be relied 504 00:22:05,040 --> 00:22:08,400 Speaker 1: upon to make an investment or a financial decision. And 505 00:22:08,600 --> 00:22:12,080 Speaker 1: we promise I am actually an authorized representative of Australia 506 00:22:12,119 --> 00:22:16,240 Speaker 1: Pacific Funds Management Pty Ltd a by N three four 507 00:22:16,280 --> 00:22:20,959 Speaker 1: one three two four six three two five seven AFSL 508 00:22:21,000 --> 00:22:24,280 Speaker 1: three three nine one five one. And thank you to 509 00:22:24,400 --> 00:22:27,400 Speaker 1: Ryan and Digest for joining me today, who are our 510 00:22:27,480 --> 00:22:32,360 Speaker 1: producer and community management and content creating angels that help 511 00:22:32,440 --> 00:22:35,800 Speaker 1: us bring these pods together and you know run our community, 512 00:22:35,840 --> 00:22:37,520 Speaker 1: which I appreciate endlessly. 513 00:22:38,000 --> 00:22:44,360 Speaker 3: You welcome from little things, big things grow I've done. 514 00:22:44,560 --> 00:22:49,520 Speaker 3: I can't don't forget to keep sharing your stories in 515 00:22:49,560 --> 00:22:51,159 Speaker 3: the group. By the way, because we're going to do 516 00:22:51,160 --> 00:22:53,639 Speaker 3: an episode every Friday, sharing our favorite post, sharing our 517 00:22:53,640 --> 00:22:55,840 Speaker 3: favorite money wins, and sharing all the things that's happening 518 00:22:56,160 --> 00:22:58,719 Speaker 3: in the community. So please keep posting. If you've got 519 00:22:58,720 --> 00:23:00,760 Speaker 3: any friends, please recommend it. Victoria off the top of 520 00:23:00,760 --> 00:23:02,240 Speaker 3: your head, Do you know what we're up to? People 521 00:23:02,280 --> 00:23:02,680 Speaker 3: in the group. 522 00:23:02,800 --> 00:23:05,040 Speaker 1: We are up to I think one hundred and eighteen 523 00:23:05,119 --> 00:23:08,720 Speaker 1: thousand people in OW. She's on the Money community, which guys, 524 00:23:08,760 --> 00:23:11,040 Speaker 1: makes a lot of sense as to why we now 525 00:23:11,080 --> 00:23:14,119 Speaker 1: have Jessica on as our full time community and content 526 00:23:14,160 --> 00:23:15,000 Speaker 1: creating manager. 527 00:23:15,359 --> 00:23:19,800 Speaker 3: How how biggers agree when you started, Like. 528 00:23:20,400 --> 00:23:22,360 Speaker 1: Obviously, when I started a Facebook group, there. 529 00:23:22,320 --> 00:23:25,320 Speaker 3: Was no one in it, so I was quite little. 530 00:23:27,920 --> 00:23:30,200 Speaker 2: Little things speak, things grow. 531 00:23:31,160 --> 00:23:36,280 Speaker 1: I was trying not to say it. That's enough from 532 00:23:36,400 --> 00:23:39,200 Speaker 1: us this week.