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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yor

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Speaker 1: the Order Kerni Wholbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impactful tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money. Hello, and

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Speaker 3: welcome to She's on the Money podcast that makes personal finance.

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Speaker 2: Fun, especially on Fridays.

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Speaker 3: It is our favorite day of the week because we

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Speaker 3: get our team together and celebrate obviously you the incredible

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Speaker 3: shees on the Money community and International Women's Day with

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Speaker 3: Miss j who oh yay for you, I said, miss

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Speaker 3: and You're like yay.

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Speaker 2: I just really love like the money wins I share.

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Speaker 3: I do too, and I adore International Women's Day and

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Speaker 3: Beck You've obviously always got some breake tips for USS

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Speaker 3: is my favorite to record of the week because it

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Speaker 3: always goes nowhere that it was meant to.

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Speaker 2: It's obviously not scripted.

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Speaker 3: We just go I know the roles here, I know

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Speaker 3: what I have to bring. Jess, you have to bring

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Speaker 3: the money. Wins Beck, you have to bring the breake tips.

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Speaker 3: Anything that happens in and there about like not our responsibility, Luly.

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Speaker 4: We wipe our hands.

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Speaker 2: Yeah exactly.

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Speaker 3: It's like when you straighten your hair back of my head,

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Speaker 3: not my responsibility.

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Speaker 2: I don't care what she's doing.

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Speaker 3: But moving on from that, we also are going to

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Speaker 3: be helping to answer aducing money dilemma this week. We're

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Speaker 3: going to be talking about whether you need to bother

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Speaker 3: super splitting if you plan on retiring together anyway, and

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Speaker 3: something is slid into our dms about experiencing the motherhood

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Speaker 3: penalty at work. Feel like that one's a good one

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Speaker 3: because I'm starting to feel that but you two are

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Speaker 3: probably not going to relate, but you're like, oh, we

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Speaker 3: know that it exists. Oh yeah, so I think it'd

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Speaker 3: be an interesting conversation before we get there.

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Speaker 2: Guys, would you like a five star review?

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Speaker 3: Yeah? Sultly, So I'm gonna laugh a little bit. This

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Speaker 3: is from Maya and Miya gave us a five star review,

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Speaker 3: which is really really nice, but she gave it to

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Speaker 3: us on Google.

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Speaker 2: Honestly, whatever I can get.

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Speaker 3: At this point, Mia says five stars not to sound dramatic,

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Speaker 3: but that she's on the money podcast has transformed the

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Speaker 3: way I think and act with money. I used to

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Speaker 3: literally spend every last cent in my bank account for

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Speaker 3: no good reason. Now I have an emergency fund, savings investments,

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Speaker 3: and I have dedicated bank accounts, meaning I don't have

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Speaker 3: the stress of whether I can pay for things or not.

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Speaker 2: I just know.

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Speaker 3: I'm so fortunate to have found this podcast, especially when

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Speaker 3: I was transitioning into full time work from UNI.

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Speaker 2: It was the best time.

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Speaker 3: The podcast are super entertaining and engaging and so much

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Speaker 3: fun to listen to on my commute to work and home.

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Speaker 3: I feel like I have friends in my car with me.

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Speaker 2: Lol. Love you guys.

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Speaker 4: Oh my god, that is so nice to me.

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Speaker 2: Oh thank you.

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Speaker 4: I'm so sweet stoked for her.

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Speaker 2: That is so good.

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Speaker 3: Like the idea, she didn't just like leave a podcast

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Speaker 3: review while listening. She literally sought us out googled us

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Speaker 3: to try and leave a review. She would have had

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Speaker 3: to make sure she was logged in to do that.

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Speaker 2: Like that, it is so cute. I love that.

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Speaker 3: It makes me feel so special that you guys really

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Speaker 3: value what we do because obviously we put a lot

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Speaker 3: of energy into it, but like that doesn't mean that

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Speaker 3: other people see that or impacted by it. So it's

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Speaker 3: just so nice. Now I want to know, are were weeks?

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Speaker 3: What's been going on International Women's Day? Have you made cupcakes?

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Speaker 3: Have you decorated your house like I would fully expect

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Speaker 3: from What do you color.

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Speaker 2: The symbolic thing? Do you know what I mean?

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Speaker 4: And sorry if t am I, but I like to

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Speaker 4: paint and collect labia manora madura literal hood so shaped,

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Speaker 4: things so shaped. Sorry that.

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Speaker 3: You did not give enough information you were like I

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Speaker 3: like to collect baby is I mean?

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Speaker 2: More power to you and you know not.

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Speaker 4: Using the soaps just absolutely and they're quite ergonomic. But

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Speaker 4: I do want to say also, I know that they're

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Speaker 4: not everyone who identifies as a woman or who's celebrating

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Speaker 4: International Women's Day have those that anatomy. But those things,

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Speaker 4: I just think they're just quite beautiful when you look

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Speaker 4: at them with an artistic lens.

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Speaker 2: A beautiful thing to.

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Speaker 4: Look totally so that's my on International Women's say yet.

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Speaker 2: Collect soap? Who would have known that that's what was

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Speaker 2: going to come up?

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Speaker 1: Yeah?

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Speaker 2: But I love it. But then now are you surprised? No,

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Speaker 2: it makes perfect sense.

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Speaker 3: Absolutely not we get it. I respect it. That's Callbeck.

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Speaker 2: Thank you. I like that you think it's ergonomic.

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Speaker 4: Yes, I can't say too much, all right, no worries.

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Speaker 2: I love that for you.

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Speaker 3: I also really love that you've called out that not

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Speaker 3: absolutely everybody who's going to be celebrating International Women's Day

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Speaker 3: is going to identify in a particular way, and I

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Speaker 3: can't love that, Like absolutely, it's actually about just trying

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Speaker 3: to celebrate the contributions that women have, focus on how

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Speaker 3: we can make that better and like just really push forward.

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Speaker 3: And I just think that that's a really beautiful way

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Speaker 3: of doing it. So thank you for adding that for us.

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Speaker 3: What are you doing in the office? What are you

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Speaker 3: up to, Beck, apart from collecting Labia shaped soaps?

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Speaker 4: Well, I well, my week's been actual, really really fun.

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Speaker 4: So you know how I have like a new hobby

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Speaker 4: every single week, Well, this one is too, yes, and

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Speaker 4: Libia's and also stick and pokes and so to celebrate

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Speaker 4: did you get anyone I have what's.

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Speaker 2: A stick and poke?

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Speaker 4: I totally ravished my legs? Is that the right word?

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Speaker 5: Oh?

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Speaker 3: I did notice that there were a few new things

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Speaker 3: that I hadn't seen.

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Speaker 2: Things you can tell.

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Speaker 3: I can tell you've done it, and I saw you

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Speaker 3: on Instagram. I'm like, girlfriend, are you giving your friend

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Speaker 3: a tattoo at home? We could not be more different.

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Speaker 2: I'm well, that's it.

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Speaker 4: And also where you can see, like, there's shaved bits

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Speaker 4: of my leg and that's where my tattoos are on there.

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Speaker 4: I'm adding every single person that I love on my

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Speaker 4: leg and so sweet ten names right now, and I'm.

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Speaker 2: Going to add you guys. No, you're not as.

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Speaker 6: Like.

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Speaker 2: Don't get me wrong. I think that we like all

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Speaker 2: on the same page.

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Speaker 3: Hey, would you guys like to come over for a

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Speaker 3: craft afternoon at my house?

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Speaker 2: Both of you be like, heck, yeah, Beck's bringing her

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Speaker 2: tattoo gun. You're bringing your blue gun. Yeah, exactly.

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Speaker 3: When they say there are two kinds of people in

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Speaker 3: this world, that's all I want to talk about.

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Speaker 2: Oh, absolutely, and.

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Speaker 4: We come together, so well, don't we comping me.

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Speaker 2: With that tattoo gun?

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Speaker 6: They look great though. You did a good job.

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Speaker 2: Thank you. So much.

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Speaker 4: I was going to come for you two next but

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Speaker 4: I see you probably don't want a stick and poke tattoo.

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Speaker 4: It's also very painful and very slow.

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Speaker 2: Pros about it, but I say that's probably not my journey.

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Speaker 2: But I'm not gonna lie. I would loved what you

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Speaker 2: do want.

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Speaker 6: Is my favorite, like one of my favorite styles artistically,

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Speaker 6: Like I don't have tattoos. I don't think I get

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Speaker 6: a tattoo, but I love how they look. Yes, so unique.

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Speaker 2: Yes, I totally agree.

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Speaker 4: Thank you, Jessica Ricky.

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Speaker 3: I didn't even know that was a thing until right now,

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Speaker 3: so I'm not even going to pretend to have any

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Speaker 3: level of.

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Speaker 2: Education on that.

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Speaker 3: But thank you for involving me in the conversation. But

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Speaker 3: what about you, guys, how's your week's been?

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Speaker 5: Oh?

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Speaker 3: I live, love, laugh like I've just been working my

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Speaker 3: life away. You're a powerful woman, and I appreciate you.

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Speaker 3: I really dave days. I really adore that you see

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Speaker 3: it that way, because I've cried it this week out

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Speaker 3: in the nicest possible way, just like work is overwhelming.

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Speaker 3: There's just so much going on, and I think it

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Speaker 3: would be a miss of me not to mention that

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Speaker 3: and be like, oh yeah, like it's always good.

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Speaker 2: It's always good.

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Speaker 3: Like it's just sometimes being a woman in business is

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Speaker 3: bloody hard, and you know what, that's okay, Still grateful

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Speaker 3: to be here, still so excited about all of it. Like, guys,

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Speaker 3: I still don't know what I'm doing. Most of the time.

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Speaker 3: I've just been making it up.

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Speaker 2: I am just a baby. But it turns out when

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Speaker 2: you're the boss, no one's going to come in and

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Speaker 2: be like, oh, we can fix it. Like this, honey,

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Speaker 2: I've got to come up with my own solutions. What

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Speaker 2: do you mean, where's my boss? Had supervision? Sometimes I

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Speaker 2: do call Jess. I'm like, help me.

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Speaker 6: It's just fun, can't which is we're just doing our best.

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Speaker 2: That's okay, we're just making up and that is so fun.

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Speaker 3: But it's been good, and it's probably been the perfect

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Speaker 3: week for it, because you know, being International Women's Day.

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Speaker 2: I think sometimes we're always like.

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Speaker 3: Yay, like let's celebrate and have some cupcakes, but like,

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Speaker 3: let's also celebrate that I kept a one year old alive,

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Speaker 3: still maintained a house and ran two businesses and not

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Speaker 3: into the ground, like amazing. Love that that's incredible. Yes,

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Speaker 3: Sleigh and all the things that they're doing are just incredible.

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Speaker 3: I love women, matter what it looks like.

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Speaker 6: I think that they genuinely women make the world go around.

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Speaker 6: I don't care what anybody says.

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Speaker 3: That's the truth. Yeah, no, yeah, I agree, it is

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Speaker 3: all right. Let's get further into the episode. Mis just

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Speaker 3: a gritchi from the women in our community. What money,

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Speaker 3: wins and confessions you're bringing to the.

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Speaker 2: Table, alrighty.

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Speaker 6: Firstly this week, I've got a win from Teleo, who

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Speaker 6: said she was lucky enough to receive two scholarships for

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Speaker 6: her court who which equates to just over sixty thousand dollars.

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Speaker 2: What wow, crazy.

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Speaker 6: She used doing incredible things. Congratulations, Yeahdia. Next, an equally

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Speaker 6: exciting win from Ebony, who said she remembered to ship

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Speaker 6: back the clothes she bought online within the refund period.

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Speaker 6: Oh great, you love to see it. There's nothing worse

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Speaker 6: than going to return something and realizing you missed it

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Speaker 6: by a day or two. So thrilled with that. Next,

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Speaker 6: I've got a money win from Rachel, who has taken

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Speaker 6: a leave out of your book Back she said, the

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Speaker 6: door handle on my car snapped off, and I was

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Speaker 6: quoted just over five hundred dollars to replace it.

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Speaker 2: Heck no. Instead, I bought.

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Speaker 6: The replacement part brand you have eBay for twenty six

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Speaker 6: dollars fifty including the shipping, and I installed it myself

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Speaker 6: after watching YouTube videos showing me how it was a

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Speaker 6: super easy fix and I saved myself so much money.

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Speaker 4: Yes and icon ye so happy about that.

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Speaker 6: One. My boyfriend's door handle was actually broken off on

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Speaker 6: the inside of his cart. Maybe I should see if

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Speaker 6: I can fix it absolutely like girl power. Next, I've

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Speaker 6: got a money in from Taylor who said she ordered

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Speaker 6: some wine glasses for her sister in law's at Hen's party.

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Speaker 6: She got them online Click and Collect. They were four

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Speaker 6: dollars for a pack of four. So not only did

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Speaker 6: she get sixteen glasses for sixteen dollars, but then she

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Speaker 6: went in store to pick them up and she saw

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Speaker 6: they were still full price for ten bucks back.

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Speaker 2: What money, my wors.

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Speaker 6: I'm glad you click and Collect did the purchase in store.

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Speaker 2: I'm glad you had a glass money win.

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Speaker 3: On the weekend, we celebrated my son's first birthday and

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Speaker 3: they ordered all of this, like cups and plates and

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Speaker 3: balls and stuff. And it came on Monday, instead of

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Speaker 3: on the Saturday for Friday, and I'd paid for express,

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Speaker 3: so I was like, cool, now I have all this

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Speaker 3: party stuff I'm never going to use. No, I actually

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Speaker 3: put it in the cupboard because like, I know that

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Speaker 3: I'll use it in the future.

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Speaker 2: It's like just plain. But that's like the worst for mine.

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Speaker 2: But it's alway I.

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Speaker 3: Had to go to Kohl's and purchase like all this

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Speaker 3: other stuff. Anyway, not the worst, but that was the

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Speaker 3: money lost from me definitely. Next, I've got money in

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Speaker 3: from Christy who said she discovered that her private health

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Speaker 3: insurance has coverage for swimming lessons.

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Speaker 2: For her kids.

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Speaker 6: Great. Would never use me about that, but I was like,

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Speaker 6: I have to read that out, so everyone who's got

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Speaker 6: kids and insurance or obsessed. Christie said she's with HCF

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Speaker 6: if that's helpful to anybody.

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Speaker 2: Great.

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Speaker 6: And then lastly this week, I've got a money win

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Speaker 6: from Anna, who said money win. I educated myself on

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Speaker 6: how to do a proper tax return, understanding what I

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Speaker 6: can deduct and things like that, and I managed to

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Speaker 6: reduce my taxable income enough to be eligible for government

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Speaker 6: paid parental leave.

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Speaker 2: Excuse me, that is iconic, Queen. I love that How

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Speaker 2: cool is that? I have really good? Well done?

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Speaker 6: Everybody, well done? Everyone is so good. Beck, some tips?

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Speaker 6: How are you gonna follow Jess this week?

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Speaker 4: Actually it's quite hard after that.

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Speaker 2: That's okay, we'll pretend that didn't happen. What have you got? Okay?

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Speaker 4: So first one comes from Holly who says this actually

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Speaker 4: came at a very timely time. You say that I

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Speaker 4: was making ramen, and then Holly messaged me same night

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Speaker 4: night of and said, when you're cooking and needs stock,

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Speaker 4: buy stock cubes. There's so much better value for money.

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Speaker 4: You can buy one leader of pre made stock for

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Speaker 4: around a dollar eighty at Aldi's a pack of twenty

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Speaker 4: one of the stock cubes for the same price, which

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Speaker 4: makes twenty one cups of stock five point two five liters.

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Speaker 2: Hey, that's a good deal. She's done the matter.

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Speaker 6: Less quickly too. I imagine, yes, exactly. The thing probably

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Speaker 6: expire totally. I mean, I'm sure the cubes do too,

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Speaker 6: but yeah, open, yeah.

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Speaker 3: Look, I'm not gonna lie. I'm not like a liquid

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Speaker 3: stock early. I just can't justify it. I have a

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Speaker 3: tin of the massell.

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Speaker 2: I love Masada.

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Speaker 3: Yeah, in my pantry, and that's what we're using I

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Speaker 3: don't care if it says bone broth that means stock. Yeah,

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Speaker 3: bone bro I said stock at this point, I do

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Speaker 3: because I watched a lot of tiktoks on it, and yes,

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Speaker 3: there are multiple health benefits. But when I realized that

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Speaker 3: purchasing bone broth is like fourteen dollars.

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Speaker 2: I was like, I don't even want those benefits. That's

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Speaker 2: all good?

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Speaker 3: Yeah, oh yeah yeah, And I don't have like people

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Speaker 3: will message me and just need to disclaim it and

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Speaker 3: be like you can make your own. It's so cheap,

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Speaker 3: and like it totally is because you get old soup

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Speaker 3: bones to make bone broth. I don't have the time

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Speaker 3: or the energy or the commitment. No, maybe one day,

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Speaker 3: maybe one day I'll do it. Yeah, I feel like

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Speaker 3: I'll be that person one day. I feel like we

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Speaker 3: all be that person one day. Yeah.

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Speaker 4: Sourdough at home and that also just really quickly, I

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Speaker 4: want to say that lust. I don't actually remember when

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Speaker 4: I said this, but I know that one of my

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Speaker 4: Brock tips was that I keep my car and fifth

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Speaker 4: kid where possible. But someone that you that was terrible

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Speaker 4: kindly let me know. I believe Jazz is their name.

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00:14:04,480 --> 00:14:07,280
Speaker 4: Very kindly let me know that it is actually quite

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Speaker 4: bad for the car and actually may also use more petrol.

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Speaker 4: So don't do that, please, actually that Yes, so I'd

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Speaker 4: like to take that back, and I'm so sorry to

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Speaker 4: anyone who listened to that has.

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Speaker 2: Been to stop doing that. Stop doing that right now

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Speaker 2: where I.

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Speaker 4: Had now, I would maybe kindly ask you to don't

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Speaker 4: do that.

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Speaker 1: All right?

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Speaker 2: What else if you go? Next one comes from.

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Speaker 4: Phoebe, who says she found a little savings sack that

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Speaker 4: she accidentally discovered. Usually she buys the free filled debt

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Speaker 4: L foaming hand soap. Usually one leater bottle is about

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Speaker 4: four refills for the foaming soap. Stay with me, here's

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Speaker 4: a few numbers. I accidentally purchased the regular non foaming,

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Speaker 4: which is too viscous for the foaming dispenser. However, if

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Speaker 4: you water it down to the ratio of one to five,

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Speaker 4: which I believe is one part soap five parts water,

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Speaker 4: it works perfectly fine. So instead of paying raugh flee

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Speaker 4: two dollars sixty for twenty fifty mil, it's sixty cents.

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Speaker 3: Oh she's smart, she's worked it out, Yes, and a

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Speaker 3: game the system. She also said it's often half priced.

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Speaker 2: There's a lot of soap conversation going on, a.

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Speaker 4: Lot of soap conversations. Basically, when it's half priced, it's

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Speaker 4: tho cents for That's so cool because I could.

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Speaker 6: Only really lack foamy soap.

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Speaker 4: But it's so much for.

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Speaker 2: Me too normal.

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Speaker 3: We are all just refilling our ASoP bottles at home,

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Speaker 3: right like with Harliff.

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Speaker 6: If I had an a bottle, I absolutely I know.

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Speaker 1: Bottle.

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Speaker 3: One time I got it as a present, people like

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Speaker 3: I appreciated it so much. Someone for our engagement party

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Speaker 3: gave me the ASoP hand cream and the soap together,

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Speaker 3: and I remember my husband so like, he didn't get it.

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Speaker 2: He's not a girl's girl. He was like, someone brought us.

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Speaker 3: Soap for our birth for our engagement and I was like, Steve,

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Speaker 3: that's literally one of the things I'm most excited about.

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00:15:54,320 --> 00:15:57,560
Speaker 3: And for our wedding one of my favorite presents, guys,

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Speaker 3: I got a giant dip teak candle gorgeous. Like no,

354
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Speaker 3: it's just this big candle in a ceramic part. You

355
00:16:04,680 --> 00:16:07,280
Speaker 3: can get them at Mecca. They are so expensive. I

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00:16:07,280 --> 00:16:10,080
Speaker 3: would never purchase it, but it's now my prize possession

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Speaker 3: and maybe like a year ago, I had an argument

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Speaker 3: with my husband because he tried to light it. No

359
00:16:17,760 --> 00:16:22,680
Speaker 3: oh those Oh no, that looks functional, sir, touch it,

360
00:16:23,640 --> 00:16:28,600
Speaker 3: don't even ask what happens. Imagine if he'd actually lit it,

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00:16:28,600 --> 00:16:33,440
Speaker 3: would hands thrown? Absolutely not anyway, thank you for coming

362
00:16:33,480 --> 00:16:35,760
Speaker 3: to my ted talk about that. But yeah, I am

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Speaker 3: definitely refilling my pump dispenser with pamel if it's just

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00:16:40,880 --> 00:16:41,600
Speaker 3: live love laugh.

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Speaker 2: I'm sorryutely, I really no.

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Speaker 4: I love that this next one comes for myself obviously.

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Speaker 4: Oh good, I found I happened upon this thing called

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Speaker 4: first table.

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Speaker 3: Oh yes, we've talked about first table before, but this

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00:16:54,280 --> 00:16:58,120
Speaker 3: is a very good broke tip. Did I no, no, no, okay,

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00:16:58,200 --> 00:17:00,480
Speaker 3: Jess and I have spoken about it years ago, so time,

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Speaker 3: my god go back.

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Speaker 2: That is crazy.

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Speaker 4: I thought it was a new thing because also.

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Speaker 2: What's first table?

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Speaker 4: Oh sorry, okay, So I believe you can either use

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00:17:08,359 --> 00:17:10,159
Speaker 4: an Apple, you can go on your on just like

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00:17:10,200 --> 00:17:13,160
Speaker 4: any standard website and just type in first table and

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00:17:13,280 --> 00:17:15,280
Speaker 4: you'll have a look and there's like restaurants on there.

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00:17:15,560 --> 00:17:16,920
Speaker 4: Thinking it was new, I was like, it's not gonna

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00:17:16,920 --> 00:17:18,320
Speaker 4: be anything on it. But I was like, I'll go

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00:17:18,359 --> 00:17:20,680
Speaker 4: to Bruns. We can see what's up. There's so many

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Speaker 4: restaurants that are offering first and last table, looking do

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Speaker 4: the last one. You can also do last one only

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00:17:27,960 --> 00:17:29,959
Speaker 4: for some that must be new. Yeah, I think it's

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Speaker 4: a new thing. So it's like, you know, you're four

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00:17:31,560 --> 00:17:33,800
Speaker 4: pms five pms of the world. Yeah, and you're eight

388
00:17:33,800 --> 00:17:37,560
Speaker 4: pms of the world. Those two slots are fifty percent off.

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00:17:37,800 --> 00:17:39,280
Speaker 2: So that such a good deal.

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00:17:39,480 --> 00:17:41,359
Speaker 3: You can have a date on a budget at a

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Speaker 3: restaurant that maybe was out of budget. Yes, eat dinner

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Speaker 3: at five pm, home by like seven thirty. I agree

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Speaker 3: in normal, iay with my book. I agree. It's actually

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00:17:51,320 --> 00:17:53,679
Speaker 3: a dream, and like that's not even mum in me.

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00:17:53,880 --> 00:17:57,040
Speaker 3: That's literally me being like, say less, Jessica, you're saying

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Speaker 3: that we're home by seven thirty. I'm in bed like

397
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Speaker 3: tucked up with my tiktoks at eight thirty.

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Speaker 2: Oh, I know, I wanted to dream.

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00:18:04,880 --> 00:18:07,119
Speaker 4: The eating dinner late thing. I just don't get every

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00:18:07,119 --> 00:18:09,159
Speaker 4: and done with basically, but yes, you can do that,

401
00:18:09,240 --> 00:18:11,960
Speaker 4: and so your dinner will be fifty percent off, So

402
00:18:12,440 --> 00:18:14,920
Speaker 4: just jump on have a look, adore. Yeah, I love

403
00:18:15,000 --> 00:18:16,200
Speaker 4: that and such a good idea.

404
00:18:16,359 --> 00:18:18,520
Speaker 3: I feel like we eat dinner really late in my

405
00:18:18,640 --> 00:18:21,520
Speaker 3: house and the reason is just because we're working. Yeah,

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00:18:21,600 --> 00:18:24,320
Speaker 3: that's like I get home at like six pm, my

407
00:18:24,440 --> 00:18:26,679
Speaker 3: husband doesn't get home till after that. I've got a

408
00:18:26,760 --> 00:18:30,600
Speaker 3: ratty baby, who's you know, needing bed, bath book like

409
00:18:30,680 --> 00:18:33,600
Speaker 3: all of that, and you just go, we aren't eating

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00:18:33,640 --> 00:18:35,080
Speaker 3: till eight thirty.

411
00:18:35,240 --> 00:18:37,200
Speaker 2: I need to get I need to get better at it.

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00:18:37,359 --> 00:18:40,080
Speaker 3: But yeah, maybe if we had lost stable, everything would

413
00:18:40,119 --> 00:18:42,840
Speaker 3: be solved exactly. All right, guys, let's go to a

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00:18:42,880 --> 00:18:45,040
Speaker 3: really quick break because on the flip side, I want

415
00:18:45,040 --> 00:18:48,600
Speaker 3: to dive into whether you should be super splitting if

416
00:18:48,640 --> 00:18:51,680
Speaker 3: you're planning or retiring together anyway, like why would you bother?

417
00:18:52,320 --> 00:18:55,040
Speaker 3: And something that just slid into our DMS about this week,

418
00:18:55,040 --> 00:18:58,399
Speaker 3: we are talking about experiencing the motherhood penalty at work.

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Speaker 2: So don't go anywhere. Welcome back, everybody.

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00:19:04,480 --> 00:19:06,480
Speaker 4: Let's take a listen to this week's money dilemma.

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00:19:08,800 --> 00:19:11,159
Speaker 3: Hi, there, have you got a money dilemma you just

422
00:19:11,200 --> 00:19:13,720
Speaker 3: can't solve that. She's on the Money Team is here

423
00:19:13,760 --> 00:19:17,000
Speaker 3: to help. Every week we tackle your dilemmas, both big

424
00:19:17,040 --> 00:19:19,800
Speaker 3: and small, to answer your most burning money, career and

425
00:19:19,840 --> 00:19:23,000
Speaker 3: life questions. To get involved, simply head to our website

426
00:19:23,040 --> 00:19:25,160
Speaker 3: and leave us a short voice recording, and you might

427
00:19:25,240 --> 00:19:27,760
Speaker 3: just find yourself on the show. Now, let's take a

428
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Speaker 3: listen to this week's money dilemma.

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Speaker 2: Hey, she's on the money.

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Speaker 5: I just want to start by saying I've learned so

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Speaker 5: much from the podcast, so thank you very much.

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Speaker 2: Now I'm at the age.

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Speaker 5: Where a lot of my female friends are taking career

434
00:19:41,880 --> 00:19:45,000
Speaker 5: breaks to have kids, so I try and bring up

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00:19:45,000 --> 00:19:47,959
Speaker 5: what I've learned from the podcast about super splitting. But

436
00:19:48,760 --> 00:19:51,520
Speaker 5: the main thing I'm hearing from people is, Oh, we're

437
00:19:51,560 --> 00:19:55,480
Speaker 5: retiring together, so it really doesn't matter. I'd love to

438
00:19:55,560 --> 00:19:59,160
Speaker 5: hear what you think about this way of thinking, because

439
00:19:59,200 --> 00:20:02,360
Speaker 5: it seems to be like, really really common, and how

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00:20:02,359 --> 00:20:05,280
Speaker 5: do I get people to see that it actually does matter.

441
00:20:05,920 --> 00:20:06,680
Speaker 5: Thanks so much.

442
00:20:07,200 --> 00:20:09,040
Speaker 2: I feel like that was a good one. That's a

443
00:20:09,040 --> 00:20:09,360
Speaker 2: good one.

444
00:20:09,359 --> 00:20:12,359
Speaker 3: It was just throw you guys straight in the ring back, Jess,

445
00:20:12,400 --> 00:20:13,119
Speaker 3: what do you reckon?

446
00:20:13,720 --> 00:20:17,160
Speaker 4: I just think you never know what's going to happen.

447
00:20:17,200 --> 00:20:20,960
Speaker 4: I understand that that's the goal when you enter into

448
00:20:21,000 --> 00:20:24,720
Speaker 4: a life. An ideally lifelong partnership is that you will

449
00:20:25,119 --> 00:20:28,320
Speaker 4: be together for the rest of your life. But anything

450
00:20:28,359 --> 00:20:31,200
Speaker 4: it happened, and you could maybe you'll you know, Touch

451
00:20:31,240 --> 00:20:34,320
Speaker 4: would either fall out of love, but nothing actually bad happens.

452
00:20:34,320 --> 00:20:36,000
Speaker 4: You just like you both kind of go your separate ways,

453
00:20:36,040 --> 00:20:38,239
Speaker 4: or someone doesn't mean bad or whatever. Like, there's so

454
00:20:38,400 --> 00:20:41,639
Speaker 4: many things that could go wrong if you just hope

455
00:20:41,720 --> 00:20:45,040
Speaker 4: and kind of rely on the I guess the fact

456
00:20:45,080 --> 00:20:46,560
Speaker 4: that you might retire together.

457
00:20:46,600 --> 00:20:47,560
Speaker 2: And so I think that, like.

458
00:20:48,040 --> 00:20:51,880
Speaker 4: Life is long, you guys, the person who's speaking kind

459
00:20:51,880 --> 00:20:54,720
Speaker 4: of sounds quite young. So I'm like, you and your

460
00:20:54,760 --> 00:20:59,760
Speaker 4: friends probably have like forty years left of working before

461
00:20:59,760 --> 00:21:03,320
Speaker 4: you tied together, and in that time, anything can happen,

462
00:21:03,640 --> 00:21:06,720
Speaker 4: and you might get to a point. It's basically just like,

463
00:21:06,960 --> 00:21:09,600
Speaker 4: if you get to a point where you are ready

464
00:21:09,600 --> 00:21:15,160
Speaker 4: to retire and you're actually single for whatever reason, Touch

465
00:21:15,160 --> 00:21:19,200
Speaker 4: would and you have nothing in your super or significantly

466
00:21:19,760 --> 00:21:22,400
Speaker 4: less than what you could have had if you had

467
00:21:22,440 --> 00:21:25,800
Speaker 4: split your super or whatever. I just I just think

468
00:21:25,800 --> 00:21:30,239
Speaker 4: it's quite risky. It's too risky to not be doing that.

469
00:21:30,840 --> 00:21:35,080
Speaker 4: And yeah, I mean as a pessimist by nature, Actually

470
00:21:35,080 --> 00:21:35,359
Speaker 4: I don't know.

471
00:21:35,359 --> 00:21:35,720
Speaker 2: If I am.

472
00:21:37,400 --> 00:21:41,440
Speaker 3: Divorced back, yes, and the other fifty percent ended death, yes.

473
00:21:41,480 --> 00:21:42,159
Speaker 2: And then and then the.

474
00:21:42,440 --> 00:21:46,160
Speaker 4: Other alternative is that you are financially dependent on this person.

475
00:21:46,200 --> 00:21:47,520
Speaker 4: You're like, no, I have to retire with this person

476
00:21:47,560 --> 00:21:49,480
Speaker 4: because I unfortunately don't have enough of my SUPER. And

477
00:21:49,520 --> 00:21:52,400
Speaker 4: so you're just for the remainder of your working years

478
00:21:52,480 --> 00:21:55,119
Speaker 4: or the remainder of your you know, from retirement and

479
00:21:55,119 --> 00:22:00,720
Speaker 4: beyond miserable. So you're either miserable, or you're still together, happy,

480
00:22:00,840 --> 00:22:03,959
Speaker 4: or you're single. And I just think there's there there

481
00:22:04,000 --> 00:22:06,520
Speaker 4: are a few different options, few different ways because this

482
00:22:06,560 --> 00:22:09,359
Speaker 4: could play out. It's just way too risky, Yeah, to

483
00:22:09,520 --> 00:22:13,879
Speaker 4: be relying on that totally. Just yeah, same page. I

484
00:22:13,920 --> 00:22:15,680
Speaker 4: was just going to quickly define, maybe for anyone who

485
00:22:15,680 --> 00:22:18,000
Speaker 4: didn't know. Super splitting is just the concept that if

486
00:22:18,040 --> 00:22:20,919
Speaker 4: one partner stops working for a period of time or

487
00:22:20,920 --> 00:22:24,200
Speaker 4: for the remainder of you know, their working days, rather

488
00:22:24,280 --> 00:22:26,560
Speaker 4: than continuing to contribute to SUPER, which is something that

489
00:22:26,600 --> 00:22:30,280
Speaker 4: we've kind of suggested historically, they rely on the fact that,

490
00:22:30,440 --> 00:22:33,080
Speaker 4: you know, their partner will have access to their SUPER at.

491
00:22:33,000 --> 00:22:35,360
Speaker 2: Sixty sixty five still yep, sixty.

492
00:22:35,040 --> 00:22:37,720
Speaker 6: Five sixty five, and then they'll both live off of

493
00:22:37,720 --> 00:22:40,400
Speaker 6: their partners super, which is problematic exactly as you were saying, Beck,

494
00:22:40,440 --> 00:22:43,639
Speaker 6: because you know, you are not guaranteed anything over the

495
00:22:43,640 --> 00:22:46,199
Speaker 6: course of however, many years, I think it probably just

496
00:22:46,200 --> 00:22:49,399
Speaker 6: puts women disproportionately on the back foot. Yeah, particularly because

497
00:22:49,440 --> 00:22:54,840
Speaker 6: women primarily statistically are the primary caregiver. It impacts, I

498
00:22:54,840 --> 00:22:57,280
Speaker 6: would argue, more women than men. And I just don't

499
00:22:57,400 --> 00:23:00,280
Speaker 6: like that it makes you reliant on somebody else. I

500
00:23:00,320 --> 00:23:04,960
Speaker 6: have a friend whose grandparents got divorced at the age

501
00:23:05,000 --> 00:23:08,359
Speaker 6: of black, maybe seventy. I don't actually know this specific day,

502
00:23:08,359 --> 00:23:11,120
Speaker 6: but they were all they got divorced, and then they're

503
00:23:11,160 --> 00:23:13,639
Speaker 6: dating other people now and if, oh my goodness, and

504
00:23:13,680 --> 00:23:17,400
Speaker 6: you love I love to see it for the happy Yes,

505
00:23:17,480 --> 00:23:21,080
Speaker 6: the dating tea is piping hot. But as I need

506
00:23:21,119 --> 00:23:24,040
Speaker 6: to be added to this great chat immediately I said

507
00:23:24,040 --> 00:23:26,320
Speaker 6: to it's really not. It's still you got you know

508
00:23:26,320 --> 00:23:28,080
Speaker 6: what I mean, twenty five percent of your life hopefully

509
00:23:28,240 --> 00:23:30,480
Speaker 6: left after that. I just don't like the idea of

510
00:23:30,520 --> 00:23:34,439
Speaker 6: anyone having to stay in a situation because they're relying

511
00:23:34,480 --> 00:23:37,600
Speaker 6: on somebody else, regardless of if it's super or something different.

512
00:23:38,040 --> 00:23:40,480
Speaker 6: It gives me a little bit of the hebgbis makes.

513
00:23:40,359 --> 00:23:42,639
Speaker 2: Me nervous totally. I am in agreeance with that.

514
00:23:42,680 --> 00:23:44,639
Speaker 3: I think that all of those points we've made on

515
00:23:44,680 --> 00:23:48,440
Speaker 3: the podcast before, but also is really important to bring

516
00:23:48,520 --> 00:23:51,280
Speaker 3: up today. But then what I'm going to focus on

517
00:23:51,560 --> 00:23:54,840
Speaker 3: is why should you do it? Even if you're retiring together.

518
00:23:54,960 --> 00:23:57,960
Speaker 3: So let's pretend like you have lived, loved, laughed, and

519
00:23:58,040 --> 00:24:02,719
Speaker 3: you are genuinely retiring together. There are benefits to doing so.

520
00:24:02,720 --> 00:24:06,120
Speaker 3: So there are you know, tax benefits, so there are

521
00:24:06,160 --> 00:24:11,639
Speaker 3: superanuation contribution caps. This is relatively unrelatable because the contribution

522
00:24:11,760 --> 00:24:14,359
Speaker 3: cap for twenty three twenty four is actually one point

523
00:24:14,520 --> 00:24:17,840
Speaker 3: nine million dollars and we know that not that many

524
00:24:17,880 --> 00:24:21,520
Speaker 3: people actually have that amount in SUPER. But hypothetically, as

525
00:24:21,560 --> 00:24:23,880
Speaker 3: a benefit, if you were getting close to that cap,

526
00:24:23,960 --> 00:24:26,240
Speaker 3: you could transfer some of your SUPER to your partner's

527
00:24:26,240 --> 00:24:29,480
Speaker 3: account so that you could continue to contribute to SUPER,

528
00:24:29,840 --> 00:24:33,480
Speaker 3: which is very attractive. If you're dating an older person,

529
00:24:34,359 --> 00:24:37,360
Speaker 3: what if they're older than you, you can transfer your

530
00:24:37,440 --> 00:24:39,720
Speaker 3: SUPER to them to be able to access it early

531
00:24:39,800 --> 00:24:43,080
Speaker 3: if you're planning on retiring early. That is often a

532
00:24:43,119 --> 00:24:46,679
Speaker 3: strategy that is used. Because you were saying before Jess like,

533
00:24:46,720 --> 00:24:50,000
Speaker 3: you can't access your superanuation until you are sixty five,

534
00:24:50,359 --> 00:24:53,359
Speaker 3: and that's what's called a preservation age, and that's the

535
00:24:53,400 --> 00:24:55,840
Speaker 3: age at which you can access your SUPER without any

536
00:24:55,880 --> 00:25:00,359
Speaker 3: additional tax like implications, so you know, if you do

537
00:25:00,400 --> 00:25:02,240
Speaker 3: it before, you can still access it, Like you could

538
00:25:02,240 --> 00:25:04,639
Speaker 3: retire early at sixty, you're just paying a bit of

539
00:25:04,800 --> 00:25:08,720
Speaker 3: tax to access that earlier, and that's not very sexy.

540
00:25:08,880 --> 00:25:13,560
Speaker 3: So by using your partner's superanuation account and their preservation age,

541
00:25:13,600 --> 00:25:16,840
Speaker 3: you could potentially access it earlier, and it might be

542
00:25:16,960 --> 00:25:20,399
Speaker 3: useful if you guys want to retire a bit earlier,

543
00:25:20,400 --> 00:25:24,439
Speaker 3: but you're a bit too young nice for some Obviously

544
00:25:24,840 --> 00:25:28,200
Speaker 3: centlling benefits. So if you're eligible for the age pension,

545
00:25:28,440 --> 00:25:31,520
Speaker 3: like super held by a partner under the age pension

546
00:25:31,560 --> 00:25:35,040
Speaker 3: age is actually not counted as an asset because you

547
00:25:35,080 --> 00:25:39,000
Speaker 3: can't access it. So like if you are both sixty five,

548
00:25:39,160 --> 00:25:42,439
Speaker 3: they are going to take into consideration both of your supers,

549
00:25:42,640 --> 00:25:45,520
Speaker 3: but if your partner is sixty, she can't access it

550
00:25:45,600 --> 00:25:48,439
Speaker 3: or he can't access it. So if you wanted to

551
00:25:49,480 --> 00:25:52,880
Speaker 3: make a cent link strategy, you could do so by

552
00:25:53,560 --> 00:25:55,920
Speaker 3: working with a financial advisor to make sure that you're

553
00:25:55,920 --> 00:25:58,920
Speaker 3: getting the full benefit of the aged pension. Obviously, by

554
00:25:58,960 --> 00:26:02,960
Speaker 3: shifting your super younger partner, you might increase eligibility payments

555
00:26:03,080 --> 00:26:06,280
Speaker 3: for the like for pension, but I think it's important

556
00:26:06,280 --> 00:26:09,679
Speaker 3: to realize that, Like, obviously, if you're flushed with cash,

557
00:26:09,800 --> 00:26:11,879
Speaker 3: doesn't matter how much you move, Like you're not going

558
00:26:11,960 --> 00:26:14,320
Speaker 3: to get the age pension for free. Like we're talking

559
00:26:14,320 --> 00:26:17,160
Speaker 3: about making the most of a situation because you're operating

560
00:26:17,200 --> 00:26:20,040
Speaker 3: as a partner and essentially you're using two accounts but

561
00:26:20,119 --> 00:26:24,800
Speaker 3: as a couple you have X and then maximizing contributions.

562
00:26:25,080 --> 00:26:29,000
Speaker 3: So obviously by splitting contributions, you might actually increase how

563
00:26:29,000 --> 00:26:32,320
Speaker 3: many non concessional contributions you can make, which is again sexy.

564
00:26:32,359 --> 00:26:34,359
Speaker 3: But I won't keep going on because those are mainly

565
00:26:34,680 --> 00:26:37,000
Speaker 3: tax questions. So if you're planning on doing that, talk

566
00:26:37,000 --> 00:26:39,400
Speaker 3: to an account or talk to your financial advisor, because

567
00:26:39,440 --> 00:26:42,200
Speaker 3: those are things that are probably a little bit more complex.

568
00:26:42,400 --> 00:26:45,280
Speaker 3: Like these are just coming from financial or ex financial

569
00:26:45,280 --> 00:26:48,639
Speaker 3: advisor Victoria. That's like, oh yeah, like I get the question,

570
00:26:48,760 --> 00:26:51,640
Speaker 3: and like your response, Beck was perfect and so was yours.

571
00:26:51,800 --> 00:26:54,600
Speaker 3: Just but like, from a pragmatic point of view, why

572
00:26:54,600 --> 00:26:56,960
Speaker 3: would you do it? There are actually some tax benefits,

573
00:26:56,960 --> 00:27:01,240
Speaker 3: pension benefits. Talking about centling not as sexy really important

574
00:27:01,280 --> 00:27:01,960
Speaker 3: to understand.

575
00:27:02,119 --> 00:27:04,560
Speaker 4: Yes, yes, and just I'm so sorry. One last thing,

576
00:27:04,760 --> 00:27:07,080
Speaker 4: if you are going to tell your friends maybe to

577
00:27:07,240 --> 00:27:10,280
Speaker 4: ask their partners. This is really really good to know,

578
00:27:10,480 --> 00:27:14,399
Speaker 4: might be telling of their actual like how they maybe

579
00:27:14,520 --> 00:27:16,320
Speaker 4: come to I don't.

580
00:27:16,200 --> 00:27:17,639
Speaker 2: Know, but this could be a red flag.

581
00:27:17,800 --> 00:27:20,159
Speaker 4: So tell your friends to just ask their partners and

582
00:27:20,200 --> 00:27:22,320
Speaker 4: if their partner's like, no way would they do? That

583
00:27:22,720 --> 00:27:26,159
Speaker 4: might be symptomatic of something bigger. Why are they not

584
00:27:26,320 --> 00:27:29,240
Speaker 4: open to that? Have they not come into this agreement

585
00:27:29,280 --> 00:27:31,720
Speaker 4: to have a child together? Do they just not think

586
00:27:31,760 --> 00:27:35,800
Speaker 4: that women been financially independent is important? It opens up

587
00:27:35,840 --> 00:27:38,040
Speaker 4: a whole other conversation. So tell them to just ask

588
00:27:38,080 --> 00:27:40,320
Speaker 4: them anyway and see what their response is about splinting

589
00:27:40,359 --> 00:27:44,439
Speaker 4: it or about making contribution? Yeah, splitting sorry, I should say,

590
00:27:44,480 --> 00:27:46,639
Speaker 4: always a good conversation. It's a good conversation to have,

591
00:27:46,680 --> 00:27:48,520
Speaker 4: and it might be it might show sides that you

592
00:27:48,560 --> 00:27:49,320
Speaker 4: didn't know. Were there?

593
00:27:49,680 --> 00:27:51,760
Speaker 2: No love? All right? Do you want to get into

594
00:27:51,760 --> 00:27:55,680
Speaker 2: the DM we got this week? Guys? Yeah? You ready? Okay?

595
00:27:56,240 --> 00:27:58,720
Speaker 3: Hi, she's on the money. What do you think about this?

596
00:27:59,080 --> 00:28:02,240
Speaker 3: After my first babe, work was fine. I came back

597
00:28:02,280 --> 00:28:04,320
Speaker 3: picked up where I left off and it was all good.

598
00:28:04,520 --> 00:28:07,280
Speaker 3: But now after baby number two, it's a different story.

599
00:28:07,600 --> 00:28:10,120
Speaker 3: I was leading big projects in line for a promotion

600
00:28:10,359 --> 00:28:12,800
Speaker 3: and on track. But since I got back, it's like

601
00:28:12,840 --> 00:28:16,920
Speaker 3: I don't exist. My role's been in quotation marks adjusted,

602
00:28:17,240 --> 00:28:19,760
Speaker 3: aka all the boring admin no one wants to do.

603
00:28:20,359 --> 00:28:22,679
Speaker 2: And my boss actually said they didn't.

604
00:28:22,400 --> 00:28:24,520
Speaker 3: Want to overwhelm me now that I have two kids.

605
00:28:24,800 --> 00:28:29,480
Speaker 3: What Meanwhile, my male colleagues, some who also just had babies,

606
00:28:29,760 --> 00:28:33,399
Speaker 3: are getting more responsibility while I'm over here proving I

607
00:28:33,400 --> 00:28:36,679
Speaker 3: can still do my whole job. Nothing about my skills

608
00:28:36,720 --> 00:28:39,760
Speaker 3: have changed. But suddenly I'm being treated like I should

609
00:28:39,800 --> 00:28:42,320
Speaker 3: have been grateful just to be here. I have gone

610
00:28:42,320 --> 00:28:44,360
Speaker 3: back because we need the money, so I don't know

611
00:28:44,360 --> 00:28:48,120
Speaker 3: what we should be doing. How do I deal with this? Well,

612
00:28:48,120 --> 00:28:50,760
Speaker 3: i'd be offer especially if my male colleagues had baby.

613
00:28:50,760 --> 00:28:53,040
Speaker 3: It's like when people are like, oh, yes, where's your baby,

614
00:28:53,080 --> 00:28:54,280
Speaker 3: and it's like, why are you asking?

615
00:28:55,120 --> 00:28:55,920
Speaker 2: How are your business?

616
00:28:56,160 --> 00:28:58,520
Speaker 6: Sorry? Hey, v where's your baby? No pay should be

617
00:28:58,560 --> 00:29:01,440
Speaker 6: penalized for having a child. It's predict I would argue

618
00:29:01,440 --> 00:29:04,160
Speaker 6: that this sounds like it probably goes against a lot

619
00:29:04,200 --> 00:29:05,520
Speaker 6: of fair work clauses.

620
00:29:05,800 --> 00:29:08,880
Speaker 3: I would be calling like helor Melady, just like a

621
00:29:08,920 --> 00:29:09,840
Speaker 3: little bit of advice.

622
00:29:10,120 --> 00:29:12,440
Speaker 6: That would be my suggestion. I think we've had a

623
00:29:12,440 --> 00:29:16,480
Speaker 6: few people overtime DMS various things about you know, being

624
00:29:16,480 --> 00:29:19,840
Speaker 6: a parent, returning to the workforce, and I always say

625
00:29:19,880 --> 00:29:22,880
Speaker 6: talk to Fair Work because there are regulations in place

626
00:29:23,440 --> 00:29:26,880
Speaker 6: to protect you, particularly from taking time off to have

627
00:29:26,960 --> 00:29:30,280
Speaker 6: a child. That's why parental pay exists, whether it's through

628
00:29:30,280 --> 00:29:33,640
Speaker 6: a company, whether it's through the government. I would also

629
00:29:33,680 --> 00:29:36,840
Speaker 6: review your contract, look at any information that might be

630
00:29:37,080 --> 00:29:40,560
Speaker 6: particular to your role, if you had company based parental

631
00:29:40,600 --> 00:29:44,680
Speaker 6: leaves that you used, because that might differ slightly from legislation.

632
00:29:44,720 --> 00:29:48,560
Speaker 6: Doesn't overrule legislation necessarily, but it's good to know. And

633
00:29:48,600 --> 00:29:50,680
Speaker 6: then yeah, jump on the Fairwork website. There's heaps of

634
00:29:50,720 --> 00:29:53,360
Speaker 6: information available on there. Give them a call. Their team

635
00:29:53,440 --> 00:29:56,040
Speaker 6: is super helpful. You know, they want to make sure

636
00:29:56,040 --> 00:29:58,800
Speaker 6: that you're protected and looked after. But you should not

637
00:29:58,880 --> 00:30:02,560
Speaker 6: be being penalized. It makes me really angry to hear

638
00:30:02,600 --> 00:30:04,960
Speaker 6: that that's the case, because taking time off to have

639
00:30:05,000 --> 00:30:08,800
Speaker 6: a child, taking time off for anything, really, it doesn't

640
00:30:09,160 --> 00:30:12,200
Speaker 6: impact your ability to do good work. If anything, it's

641
00:30:12,240 --> 00:30:15,640
Speaker 6: given you new skills, a new outlook, a new perspective,

642
00:30:15,800 --> 00:30:17,840
Speaker 6: and I think to be penalized for that is just

643
00:30:17,920 --> 00:30:21,360
Speaker 6: absolutely apparent. It makes me very like I'm getting angry.

644
00:30:21,800 --> 00:30:24,880
Speaker 2: Can you actually it's actually so cooked right?

645
00:30:25,040 --> 00:30:28,520
Speaker 3: Like it makes me really mad because I think since

646
00:30:28,560 --> 00:30:30,400
Speaker 3: becoming a mum and I've only been here a year,

647
00:30:30,440 --> 00:30:34,240
Speaker 3: thanks for having me, guys, I have found that I'm

648
00:30:34,360 --> 00:30:37,360
Speaker 3: doing so much more in less time because I have

649
00:30:37,480 --> 00:30:41,200
Speaker 3: this sense of urgency to return home more on time

650
00:30:41,280 --> 00:30:44,120
Speaker 3: than ever. I want to be present for my son,

651
00:30:44,200 --> 00:30:45,760
Speaker 3: I want to be around, I want to do all

652
00:30:45,800 --> 00:30:48,520
Speaker 3: of the family things. But I'm very much like, okay, cool,

653
00:30:48,560 --> 00:30:51,000
Speaker 3: I don't have time to mess around anymore. I'm going

654
00:30:51,040 --> 00:30:53,400
Speaker 3: to spend this whole morning doing ABC DNE and I'm

655
00:30:53,400 --> 00:30:54,120
Speaker 3: going to make it happen.

656
00:30:54,160 --> 00:30:54,760
Speaker 4: Whereas before I.

657
00:30:54,760 --> 00:30:56,160
Speaker 3: Might have been like, oh yeah, Jess, do you want

658
00:30:56,200 --> 00:30:58,440
Speaker 3: to go get a coffee? And like in between like

659
00:30:58,680 --> 00:31:01,600
Speaker 3: I was and I'm boss of my business. I was

660
00:31:01,600 --> 00:31:04,680
Speaker 3: such an unproductive employee before, Like now I'm like, oh,

661
00:31:04,680 --> 00:31:07,120
Speaker 3: hold on, I wasn't I operating like this before? So

662
00:31:07,200 --> 00:31:09,960
Speaker 3: I feel like that makes a lot of sense for me.

663
00:31:10,280 --> 00:31:13,000
Speaker 3: But then also there's research to back that that working

664
00:31:13,080 --> 00:31:15,880
Speaker 3: mums are putting in more time, more energy, more effort

665
00:31:16,280 --> 00:31:19,680
Speaker 3: and are definitely you know, running rings around people who

666
00:31:19,760 --> 00:31:22,440
Speaker 3: maybe aren't parents, and we're being undervalued. I would be

667
00:31:22,480 --> 00:31:24,600
Speaker 3: marching into my boss's office and being like, hey, like,

668
00:31:24,960 --> 00:31:25,280
Speaker 3: I just.

669
00:31:25,240 --> 00:31:26,000
Speaker 2: Wanted to flag this.

670
00:31:26,080 --> 00:31:28,560
Speaker 3: I'm really feeling like because like we always lead with

671
00:31:28,600 --> 00:31:31,400
Speaker 3: how we're feeling about a situation like this, I feel

672
00:31:31,400 --> 00:31:36,280
Speaker 3: as though I'm not getting the responsibility back. But like

673
00:31:36,400 --> 00:31:39,720
Speaker 3: Jerry over there, he just had a baby, literally same situation.

674
00:31:39,840 --> 00:31:42,640
Speaker 3: He's actually got three kids and he has so I'm

675
00:31:42,680 --> 00:31:44,960
Speaker 3: just wondering, like, what about it. Can I have some

676
00:31:45,000 --> 00:31:48,480
Speaker 3: feedback because I think that that might be a very

677
00:31:50,000 --> 00:31:53,320
Speaker 3: stuck reminder to them that maybe they are treating you differently.

678
00:31:53,360 --> 00:31:55,160
Speaker 3: And I'm not going to say this is acceptable for

679
00:31:55,280 --> 00:31:59,040
Speaker 3: any second of time, but the reality is sometimes this

680
00:31:59,160 --> 00:32:01,160
Speaker 3: is subconscious and people are like, oh, we don't want

681
00:32:01,160 --> 00:32:03,280
Speaker 3: to put that load on back, And then when Beck's like, hey,

682
00:32:03,280 --> 00:32:05,360
Speaker 3: why wouldn't you do that for Jerry, they're like, oh, God,

683
00:32:05,400 --> 00:32:07,560
Speaker 3: look what we're doing. Like we're doing exactly what we

684
00:32:07,600 --> 00:32:10,280
Speaker 3: said we wouldn't. So yeah, go to fair Work if

685
00:32:10,280 --> 00:32:12,200
Speaker 3: you feel like that's the support you need. But I

686
00:32:12,200 --> 00:32:15,040
Speaker 3: would honestly be calling it out in your workplace first

687
00:32:15,160 --> 00:32:17,400
Speaker 3: in a really kind and gentle way, like we don't

688
00:32:17,400 --> 00:32:20,080
Speaker 3: need to be aggressive, Like hey, I was just wondering, like,

689
00:32:20,160 --> 00:32:22,200
Speaker 3: when can I take on the full capability of my

690
00:32:22,320 --> 00:32:25,560
Speaker 3: old role, because honestly, I'm really bored with this. That's

691
00:32:25,640 --> 00:32:28,280
Speaker 3: not an issue, which is yeah where I'm at.

692
00:32:28,320 --> 00:32:30,760
Speaker 4: Yeah, I completely agree. I was going to say the

693
00:32:30,800 --> 00:32:34,000
Speaker 4: same thing basically, I would maybe and you know, I

694
00:32:34,040 --> 00:32:35,280
Speaker 4: just want to I do want to say, like, it does

695
00:32:35,440 --> 00:32:38,200
Speaker 4: suck that there are people that come into the same

696
00:32:38,240 --> 00:32:41,680
Speaker 4: situation as someone else, and you know this situations look

697
00:32:41,760 --> 00:32:45,400
Speaker 4: very similar, but one person, for absolutely no reason must

698
00:32:45,480 --> 00:32:49,360
Speaker 4: fight or work harder to be acknowledged or recognized. That

699
00:32:49,440 --> 00:32:51,840
Speaker 4: does suck. And so what I want to do is

700
00:32:51,920 --> 00:32:54,520
Speaker 4: just like really do find out, like ask around and

701
00:32:54,720 --> 00:32:57,520
Speaker 4: talk to these men who have come back from whatever,

702
00:32:57,600 --> 00:33:00,479
Speaker 4: you know, parental evil, whatever, from having a childild and

703
00:33:00,880 --> 00:33:05,200
Speaker 4: make sure that this is actually not not that it's

704
00:33:05,680 --> 00:33:07,600
Speaker 4: not happening, but make sure there's a way where you

705
00:33:07,600 --> 00:33:09,600
Speaker 4: can like come to the table and be like this

706
00:33:09,600 --> 00:33:12,480
Speaker 4: person just had a baby, they are now being promoted

707
00:33:12,480 --> 00:33:14,800
Speaker 4: all this person. You know, you have your facts ready,

708
00:33:14,840 --> 00:33:17,880
Speaker 4: but yes, I would definitely talk about it first, because

709
00:33:17,960 --> 00:33:20,600
Speaker 4: as you say it, like it's it's sometimes completely unconscious.

710
00:33:20,640 --> 00:33:23,200
Speaker 2: You just have no idea and it's awful that that's happening.

711
00:33:23,280 --> 00:33:25,960
Speaker 3: Ye, that might be the experience, and like just being like, oh,

712
00:33:25,960 --> 00:33:27,920
Speaker 3: you wouldn't have done this for Jerry, would you is

713
00:33:27,960 --> 00:33:29,760
Speaker 3: going to like hopefully snap them out of it and

714
00:33:29,800 --> 00:33:32,600
Speaker 3: then they go, oh, yeah, no, Jess, You're so right,

715
00:33:32,640 --> 00:33:34,880
Speaker 3: We're so like, you know, that must have been overlooked

716
00:33:34,880 --> 00:33:36,600
Speaker 3: and they might not ever admit it. Like I kind

717
00:33:36,600 --> 00:33:38,200
Speaker 3: of don't care if they don't admit it as long

718
00:33:38,200 --> 00:33:40,400
Speaker 3: as they change their behavior for the bet totally.

719
00:33:40,440 --> 00:33:42,160
Speaker 2: So do you want to know what the community had

720
00:33:42,240 --> 00:33:42,520
Speaker 2: to say?

721
00:33:42,600 --> 00:33:43,840
Speaker 4: Definitely, yeah, yeah, yeah, right.

722
00:33:43,880 --> 00:33:45,440
Speaker 3: So we asked what would you do if you were

723
00:33:45,480 --> 00:33:48,160
Speaker 3: in this position? Sixty four percent of you said you'd

724
00:33:48,200 --> 00:33:50,480
Speaker 3: call it out and demand your old roll back. Six

725
00:33:50,520 --> 00:33:52,760
Speaker 3: percent of you said work hard to prove yourself again,

726
00:33:53,040 --> 00:33:56,440
Speaker 3: twenty eight percent said start job hunting. We asked, have

727
00:33:56,560 --> 00:34:00,320
Speaker 3: you or someone you know experienced the motherhood penalty at work?

728
00:34:01,000 --> 00:34:03,640
Speaker 3: Forty seven percent of you said I've seen it happen,

729
00:34:04,040 --> 00:34:05,959
Speaker 3: twenty percent of you said it happened to me, and

730
00:34:06,040 --> 00:34:08,400
Speaker 3: thirty four percent of you said no, my workplace is

731
00:34:08,400 --> 00:34:09,560
Speaker 3: actually pretty supportive.

732
00:34:10,239 --> 00:34:12,400
Speaker 6: Twenty two thirds of people is amazing.

733
00:34:12,680 --> 00:34:15,200
Speaker 3: And then when you said, what are your two cents,

734
00:34:15,239 --> 00:34:19,480
Speaker 3: We said, share your opinions. One person said, I'm three

735
00:34:19,520 --> 00:34:22,040
Speaker 3: weeks back from eternity, leaving in an executive position, and

736
00:34:22,080 --> 00:34:26,560
Speaker 3: I feel so much pressure to prove myself. Another person said, legally,

737
00:34:26,640 --> 00:34:28,960
Speaker 3: she's entitled to return to a job with a similar

738
00:34:29,080 --> 00:34:31,640
Speaker 3: level of responsibilities, which is true, but that doesn't mean

739
00:34:31,640 --> 00:34:36,240
Speaker 3: that you get it because they might be misogynistic. Another

740
00:34:36,280 --> 00:34:38,759
Speaker 3: person said, mine said the same to me, and I

741
00:34:38,960 --> 00:34:42,480
Speaker 3: vengeance leveled up. Better to get out if you're not

742
00:34:42,680 --> 00:34:45,160
Speaker 3: valued psychotic.

743
00:34:45,360 --> 00:34:48,719
Speaker 2: I like that. I'm a vengeance level out of here. Bye.

744
00:34:49,520 --> 00:34:51,279
Speaker 3: Someone else said I don't have kids and feel at

745
00:34:51,280 --> 00:34:53,759
Speaker 3: my age I get penalized for this, expected to work

746
00:34:53,840 --> 00:34:55,799
Speaker 3: extra hours, overtime, et cetera.

747
00:34:56,400 --> 00:35:01,799
Speaker 2: That's a cool Yeah, women, you can't win. No oh.

748
00:35:02,160 --> 00:35:04,720
Speaker 3: Someone else said I've had the opposite returning to work.

749
00:35:05,239 --> 00:35:09,200
Speaker 3: We have a lack of flexibility with responsibilities, which is

750
00:35:09,239 --> 00:35:12,439
Speaker 3: an interesting take as well. So I feel like that's

751
00:35:12,440 --> 00:35:14,799
Speaker 3: all we've got time for today, so we might wrap

752
00:35:14,840 --> 00:35:19,200
Speaker 3: it up there, but good chat, Happy International Women's Day, guys.

753
00:35:19,480 --> 00:35:22,359
Speaker 3: So grateful to be part of this community and get

754
00:35:22,400 --> 00:35:24,480
Speaker 3: to hang out with you guys all day and with

755
00:35:24,560 --> 00:35:26,480
Speaker 3: my two co hosts, Jess and Beck.

756
00:35:26,560 --> 00:35:28,919
Speaker 2: What a pleasure. I love it. We'll see you next week.

757
00:35:28,960 --> 00:35:34,480
Speaker 6: Guys, Bye, guys bye.

758
00:35:36,520 --> 00:35:38,680
Speaker 3: The ad buy shared on She's on the Money is

759
00:35:38,760 --> 00:35:42,360
Speaker 3: general in nature and does not consider your individual circumstances.

760
00:35:42,719 --> 00:35:46,120
Speaker 3: She's on the Money exists purely for educational purposes and

761
00:35:46,160 --> 00:35:48,600
Speaker 3: should not be relied upon to make an investment or

762
00:35:48,680 --> 00:35:52,280
Speaker 3: financial decision. If you do choose to buy a financial product,

763
00:35:52,360 --> 00:35:56,320
Speaker 3: read the PDS TMD and obtain appropriate financial advice tailored

764
00:35:56,360 --> 00:35:59,759
Speaker 3: towards your needs. Victoria divine and She's on the Money.

765
00:36:00,080 --> 00:36:03,440
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766
00:36:03,600 --> 00:36:06,359
Speaker 3: D A b N three two one six four nine

767
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768
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