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Speaker 1: She's on the Money.

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Speaker 2: She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money's Friday Drinks,

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Speaker 3: the podcast millennials who want to wind down after a

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Speaker 3: long week of learning about finance. Today on this show,

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Speaker 3: we are going to be jumping straight into talking about

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Speaker 3: money wins, the community, and some sweet, sweet cash money.

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Speaker 1: This week though, I am joined by Georgia King, Hello.

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Speaker 3: Our favorite friend who helps us every single Wednesday bring

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Speaker 3: our pod to life, and Jessica, who happens to be

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Speaker 3: our absolute content wizard here Actually's on the Money.

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Speaker 1: Jessica, Welcome back for another episode.

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Speaker 4: Hello friends.

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Speaker 3: So last week, Georgia, I introduced you guys to one

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Speaker 3: of my true loves from when I was sixteen, not

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Speaker 3: but I would have drunk them at sixteen. For those

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Speaker 3: of you playing along home, the Guava Cruiser. And how

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Speaker 3: did we rate that we walked away from that feeling

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Speaker 3: how oh solid?

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Speaker 4: Yeah? I felt young again. I felt sixteen, ready to

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Speaker 4: go toy sixteenth. That was a big night for me

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Speaker 4: on the cruisers. Anyway, that's a real flashback. But I

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Speaker 4: loved them, and you were right, Guava really was the

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Speaker 4: best flavor.

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Speaker 1: It is the supreme flavor. I do believe. I feel

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Speaker 1: like everyone's like Buzzbrie. I'm like, no, no, friend, you.

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Speaker 4: Have not leaved Tuava's wear.

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Speaker 1: It's are But this week, Georgia, you've got a flashback

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Speaker 1: for us.

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Speaker 4: I do okay, what have you introduced literally to today?

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Speaker 1: I haven't.

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Speaker 3: I haven't tried it yet. I've drunk them before, but

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Speaker 3: this will be the first time in more than ten years.

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Speaker 4: So what we're drinking tonight, my friends, is the old

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Speaker 4: Lemon Rosky, so the classic stolly drink. Tastes like solo

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Speaker 4: but a bit of fun, and.

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Speaker 1: That tastes like solow.

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Speaker 4: It's a really good way of exposing.

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Speaker 1: That's the best.

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Speaker 4: It's the only way.

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Speaker 1: And you've never had one, have you?

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Speaker 4: J No, I'm very excited.

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Speaker 5: Last week was also my first Guava Cruiser, so I

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Speaker 5: feel like the pot is really just opening up my

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Speaker 5: eyes to a whole new world of.

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Speaker 1: Beverages, responsible drinking as always friends.

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Speaker 4: But my mom loves Ruskies as well.

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Speaker 3: I feel like it's a mum drink. I feel like

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Speaker 3: my mum used to drink Ruskies as well. But you

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Speaker 3: know what I'm really liking about this bottle. It's as

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Speaker 3: imported Russian. It says imported vodka, but then in brackets.

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Speaker 4: Because not Russian Russian stuff.

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Speaker 1: Why did you have to stipulate that?

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Speaker 4: Like?

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Speaker 3: What about this makes anybody think that it was going

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Speaker 3: to be Russian?

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Speaker 4: Because vodka is obviously always Russian and maybe it rusky.

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Speaker 4: I don't know.

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Speaker 3: Maybe maybe it used to be. Maybe it used to

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Speaker 3: be I don't know, But let's move on. This has

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Speaker 3: been a really fun time. I'm going to continue to

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Speaker 3: drink my drink. But you know what, We're going to

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Speaker 3: start this week off with money wins. Georgia, you get

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Speaker 3: to kick us off. We have each and every single

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Speaker 3: week now a thread in our Facebook group of people's

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Speaker 3: money wins, and every single week we got through and pick.

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Speaker 1: Out our favorites. What was yours this week?

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Speaker 4: Okay? So mineus from the Lovely Kelsey who's written. After

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Speaker 4: years of manually transferring my dollary dues to their allocated

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Speaker 4: accounts after each payday, I finally have automated this process.

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Speaker 4: This has already tapped into my relationship with money. I've

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Speaker 4: been less tempted to dip into other accounts. I have

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Speaker 4: hidden most accounts, which has minimized the temptation to dip

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Speaker 4: and she says she used to spend so much money

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Speaker 4: on food and now she's way more mindful of what

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Speaker 4: she's eating and what she's spending. And I think that

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Speaker 4: is brilliant.

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Speaker 1: I also think that's brilliant.

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Speaker 4: Do you see a lot of people doing this? Is

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Speaker 4: this like a tried and true way of managing your

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Speaker 4: money on a daily basis?

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Speaker 3: Everything works for different people, but I think that's a

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Speaker 3: great way of doing it. And to be honest, that's

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Speaker 3: what I love about our community. You get so many

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Speaker 3: different options and so many different views from different people.

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Speaker 3: And even if it doesn't work for you, that's cool.

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Speaker 3: You just learn a different way of doing something that

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Speaker 3: might work for a friend or a family member or

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Speaker 3: even future you. Maybe it's also kind of pervy. I

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Speaker 3: feel like everyone always enjoys listening to how other people

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Speaker 3: manage their every day spending, right, Yes, you know how

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Speaker 3: people do on Instagram day in the life videos, Like

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Speaker 3: they're like, oh, today, I'm going to do a day

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Speaker 3: in the life.

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Speaker 5: Flog content creator jumping in here. Do we want a

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Speaker 5: day in the life of Victoria divine in the office?

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Speaker 4: Please let us know.

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Speaker 3: I will counter off of that and say a day

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Speaker 3: in the life of Lucy the Golden Sheep dude. Mainly

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Speaker 3: it's sleeping under desks and then going to the park

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Speaker 3: at lunchtime. Ten out of ten life. But that's not

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Speaker 3: what I'm talking about. Imagine if you got to do

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Speaker 3: on the She's on the Money Instagram stories a day

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Speaker 3: in the life, like spending edition.

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Speaker 4: And like like takeovers and stuff of different people around

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Speaker 4: the joint.

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Speaker 3: Like, and people would record stories for us and then

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Speaker 3: we could share them of them, being like, this is

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Speaker 3: what I've been spending today, here's my tracker.

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Speaker 1: I don't know.

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Speaker 3: That's a wild idea, but that could be so fun

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Speaker 3: and so pervy.

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Speaker 4: Well, it's like an intense version of a money diary.

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Speaker 4: It's just like a smaller version. I guess. Like people

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Speaker 4: love our money diaries, and I think that is actually

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Speaker 4: a brilliant.

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Speaker 3: I love our money diaries. That's why I bring them

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Speaker 3: to you every single week. I'm obsessed.

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Speaker 4: Anyway, Anya Kelsey, thank you for sharing your money win.

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Speaker 4: I'm sorry for saying, oh ya, Now I think it's

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Speaker 4: Jessica's turn to share a money win from the group.

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Speaker 1: What have you got?

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Speaker 5: Jess Mine is from our friend Milana, which firstly gorgeous name.

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Speaker 5: But she got a Marino wool coat for winter, originally

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Speaker 5: fourteen hundred dollars down to three hundred and twenty, which

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Speaker 5: means she saved over a grand, which is massive, especially

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Speaker 5: for Marino. Like, I'm a bit of a fabric snob.

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Speaker 5: I'm all about, you know, a little bit more money,

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Speaker 5: a little bit nice equality, And I think that's huge.

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Speaker 5: A Marino coat for three twenty, Like.

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Speaker 4: That's a hot deal. That's a hot deal.

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Speaker 1: That's still a really bloody expensive coat.

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Speaker 4: Bye, I feel like three hundred is what I would

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Speaker 4: spend for like a nice coat. I yeah, Like I

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Speaker 4: feel like I have coats that I bought literally a

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Speaker 4: decade ago.

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Speaker 5: So I think, like, if you think about your cost

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Speaker 5: per ware, it's you know a little bit more reasonable.

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Speaker 5: Yes to big outlay, but I mean, girl, get that sale.

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Speaker 5: I'm all about it. I'm an enabler. Though, as Victorian knows.

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Speaker 3: I don't think I want to weigh in on this

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Speaker 3: because as much as I just said that the coat

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Speaker 3: was really expensive, like I'm a fine fishoes and they

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Speaker 3: have less practical application than a coach, So.

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Speaker 1: Yeah, let's move on.

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Speaker 3: I love that though, and it looks gorgeous. You've just

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Speaker 3: shown us a photo of it. Ten out of ten

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Speaker 3: oddwear all that is? She yeah, very nice, very well

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Speaker 3: those of you wondering if I have a favorite, which

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Speaker 3: you're not, but I'm gonna share anyway.

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Speaker 1: I do, and it is from our.

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Speaker 3: Friend Priscilla, And Priscilla says, and you guys are gonna

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Speaker 3: know instantly why I've chosen this one, she says, Oat

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Speaker 3: Milk queen. Oh yeah, see see we started off on

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Speaker 3: the best of feet, she said. I went to cancel

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Speaker 3: my Vegan Goodness Me box subscription to save money, but

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Speaker 3: realized I've been racking up points for the past year

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Speaker 3: or so managed to get a case of six minute

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Speaker 3: figures Oat Milks for free.

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Speaker 1: She says. She's pretty happy about that, and I would

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Speaker 1: be too, my friend.

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Speaker 3: That's good And we all know I stan minor figures

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Speaker 3: like I am obsessed with them. It has absolutely nothing

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Speaker 3: like never even sponsored us.

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Speaker 4: I don't need to be sponsoredble no talk about them

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Speaker 4: every hi.

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Speaker 3: I'm gonna stop talking about them.

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Speaker 4: I was just gonna say, we get DMS about minor figures.

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Speaker 5: Now. I love that Oat Milk is so on brand

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Speaker 5: for us that the community when they see it on sale,

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Speaker 5: or someone saw a really cool like refillable Minor Figures

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Speaker 5: machine like you take like sustainable, you take your little

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Speaker 5: milk bottle and Minor Figures will refill it for you

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Speaker 5: and they DM just a photo and I was like,

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Speaker 5: that's that's outstanding.

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Speaker 3: I can't even I want to. I'm gonna look that

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Speaker 3: up later. I am obviously obsessed with them, But like,

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Speaker 3: can Oat milk become a part of my personality?

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Speaker 4: I think it already is, though, But maybe you could

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Speaker 4: look into getting like a milk tap for the office

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Speaker 4: and Oat milk Minor Figures. Let's look into it.

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Speaker 1: Kind of do you know what? You know what I'm

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Speaker 1: gonna do.

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Speaker 3: I'm just gonna get you a bar friadge and put

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Speaker 3: a sticker of Minor Figures on the front and have

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Speaker 3: about that. That's a good settlement come from. You're not

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Speaker 3: getting a milk tatter, all right? Well, we never promised

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Speaker 3: we would have our stuff together on the Friday episodes,

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Speaker 3: but you know what we do promise. We do promise

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Speaker 3: some level of structure, and given that we have that structure,

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Speaker 3: we are actually going to start talking about our money wins.

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Speaker 3: All confessions from this week which is arguably one of

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Speaker 3: my favorite parts of the week because it makes me

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Speaker 3: feel a little bit better about my spending habits most

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Speaker 3: of the time. So let's just throw Jess straight under

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Speaker 3: the bus. Jess, what is yours this week? Mine is

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Speaker 3: a bit of a team money win. This week we

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Speaker 3: have you may have seen on the IG stories if

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Speaker 3: you've been tuning in, re decorating the office a little bit,

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Speaker 3: just kind of sprucing things up. And obviously the plants.

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Speaker 3: We all we love a plant, we really do.

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Speaker 5: Quite close to our office, I would say, within very

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Speaker 5: reasonable proximity, there is a beautiful wall of Devil's ivy,

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Speaker 5: Like the ivy has grown to be like a literal

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Speaker 5: room divide stun So what we did was.

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Speaker 1: Are you literally going to throw us under the.

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Speaker 5: No?

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Speaker 1: No, no.

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Speaker 5: We may have walked past and liberated a few pieces

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Speaker 5: of this plant and brought them home to the office

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Speaker 5: and pop them in some water to propagate.

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Speaker 4: And then George.

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Speaker 3: Georgia learned about propagation this week too, a bus guard.

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Speaker 1: It was a learning experience for everyone.

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Speaker 5: And then you came and we showed you, and then

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Speaker 5: we went back to the plant and.

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Speaker 4: We collected them for George took them home on the train.

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Speaker 1: No, but money.

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Speaker 5: Wein free plants, and then you can just not free.

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Speaker 1: Yes, they are not free plants. You stole those plants.

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Speaker 4: I much prefer the term liberated. It wasn't from like

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Speaker 4: the botanical gardens or anything like that, so don't at Jess.

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Speaker 3: No, it was all above but it was all very

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Speaker 3: above board, and we did take small clippings of it

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Speaker 3: so that we could propagate and grow.

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Speaker 1: And you know, maybe enhance our space a little bit.

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Speaker 3: In a very frugal way. Frugal Queens, I would say.

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Speaker 3: But thanks Jess for joining the team and letting everybody

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Speaker 3: know that we're thieves. Georgia, have you got something to

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Speaker 3: back that up or are you also going to talk

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Speaker 3: about stealing something Mine?

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Speaker 4: Is so boring, but it doesn't involve theft, which I

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Speaker 4: think we can all agree is great. So I'm back

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Speaker 4: at the office. Actually I have not stopped working for

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Speaker 4: a long time. Well with me anyway. Point is I've

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Speaker 4: been buying lunch a hell of a lot because I

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Speaker 4: haven't had time to go to the supermarket. I mean, boohoo,

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Speaker 4: I probably have had time.

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Speaker 3: This is yes, she had. I know that you have

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Speaker 3: been doing this. This could have been your money loss,

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Speaker 3: and you chose to say that we were thieves.

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Speaker 4: It adds up, though it doesn't it, Jess. And it's

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Speaker 4: one of the things that we talk about on the

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Speaker 4: podcast all the time, is like, pack you lunch, don't

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Speaker 4: buy coffee. It's like my go to. It's the only

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Speaker 4: advice I have, and I've just butted against it. What

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Speaker 4: we're gonna say, Jess.

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Speaker 5: Oh, I'm just gonna say, do as we say, not

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Speaker 5: as we do.

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Speaker 4: Oh, well, that's it. I mean, yeah, and buying your

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Speaker 4: lunch is delicious, but I'm not so delicious on your

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Speaker 4: wallet anyway. What a boring money confession from George Victoria

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Speaker 4: money wins all confessions, take it away.

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Speaker 3: Okay, so this week, if you followed me on Instagram,

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Speaker 3: you'd actually already know this money loss. And it has

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Speaker 3: everything to do with being my own fault. So this

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Speaker 3: week I left half a block of chocolate, really good chocolate,

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Speaker 3: dark chocolate, the expensive kind of dark chocolate that you

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Speaker 3: really try to stretch because you don't want to buy

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Speaker 3: another block of it, but you really enjoy it.

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Speaker 1: I left it on the couch, and this could go

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Speaker 1: badly if you sat on it or something. It melted

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Speaker 1: a couch.

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Speaker 3: But it got worse because my dog, my new dog,

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Speaker 3: Lucy puppy really small founded on the couch and she

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Speaker 3: consumed the entire block.

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Speaker 1: There's two parts to this. She's absolutely fine.

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Speaker 3: Guys got her to the bed in time and we

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Speaker 3: got a stomach pumped, which was really fun. But I

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Speaker 3: walked out of there with a three hundred and fifty

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Speaker 3: dollar bill or three hundred and thirty five dollars to

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Speaker 3: more exact.

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Speaker 1: Sorry.

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Speaker 3: And also, my couch needs a professional steam clean because

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Speaker 3: it turns out a puppy is not that clean at

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Speaker 3: eating and she's rubbed it into my couch.

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Speaker 4: So yeah, that's and she probably lost an eight dollar

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Speaker 4: block of chocolate. Don't forget that as well, at.

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Speaker 3: Least an eight dollar block of chocolate. I don't know

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Speaker 3: what it's worth, but to be honest, I adore dark chocolate,

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Speaker 3: but I do try to limit myself. But Lucy's stotched

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Speaker 3: me having.

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Speaker 1: It all together.

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Speaker 4: She's worth it though, She's.

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Speaker 1: Definitely worth it.

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Speaker 3: She's been a very good lady in the office this week.

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Speaker 3: She greets everybody. She's the Chief Engagement Officer CEO.

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Speaker 1: For short, and yeah, all our clients love her.

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Speaker 3: Given the topic of this week's episode, I thought it

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Speaker 3: would be a little bit of fun while having our

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Speaker 3: ruskies to talk about sweet sweet cash money.

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Speaker 4: Now.

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Speaker 3: I know, Jess, you and I were talking before about

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Speaker 3: some fun questions related to cash and the first one

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Speaker 3: I've actually got for you guys, And maybe if you're listening,

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Speaker 3: you can think about when the last time you did

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Speaker 3: this was? Was when was the last time you spent

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Speaker 3: enough money for you to feel slightly ill with it

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Speaker 3: leaving your account?

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Speaker 5: Ooh, if it's more than twenty dollars, like quite often

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Speaker 5: I'll be like, m do I need it?

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Speaker 1: I think, truthfully, the last.

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Speaker 5: Time I spent a significant amount of money was when

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Speaker 5: I paid off my credit card, which was a while

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Speaker 5: ago now, but that was several thousand dollars more than

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Speaker 5: I would care to admit it was. I had that

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Speaker 5: initial feeling of just like, oh my god, like that's

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Speaker 5: so much money that just left my account that I'm

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Speaker 5: never going to see again, But it was immediately followed

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Speaker 5: by like just complete relief.

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Speaker 3: I actually adore that, and I know that you would

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Speaker 3: have felt a little bit sick.

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Speaker 1: But something that I'm going to point out there.

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Speaker 3: If you're in credit card debt and you have savings,

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Speaker 3: like my friend, you don't actually have savings. You just

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Speaker 3: have an amount of money sitting to the side that

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Speaker 3: could make you completely debt free that you're choosing not

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Speaker 3: to use.

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Speaker 1: That for now.

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Speaker 3: I've always said that having an emergency account is really

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Speaker 3: really important even if you have debt. Don't use that

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Speaker 3: to extinguish your credit card debt. But if you are

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Speaker 3: trying to save while having credit card debt, a personal loan,

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Speaker 3: or any other form of you know, bad debt as

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Speaker 3: we classify it here as cheese on the money, but

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Speaker 3: you need to get rid of that before you start saving,

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Speaker 3: because if you're saving at the same time as having

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Speaker 3: personal debt, it's actually working against you because you're paying

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Speaker 3: interest on your credit card at probably an exorbitant amount

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Speaker 3: between like seventeen and twenty two percent or whatever your

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Speaker 3: credit card is. So that's technically how much money your

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Speaker 3: savings is losing you by having savings. Like if you

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Speaker 3: had an investment portfolio that was consistently losing like let's

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Speaker 3: call it nineteen percent, like you would change it asap.

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Speaker 3: And so we should really start seeing saving while being

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Speaker 3: in debt that way.

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Speaker 5: I think we get that question in our group so

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Speaker 5: so often is people saying, I have, you know, ten

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Speaker 5: thousand dollars set aside, and I want to buy a

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Speaker 5: new card, but I also have a credit card debt

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Speaker 5: or a person alone. So I feel like you've just

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Speaker 5: answered all of those questions we usually get. And just

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Speaker 5: to clarify your saying, if you have debt, that should

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Speaker 5: be your priority, right.

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Speaker 3: One hundred percent is always your priority, and that's something

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Speaker 3: that really needs to be prioritized.

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Speaker 1: And I think it.

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Speaker 3: I think it's really hard because you've got these goals

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Speaker 3: and you've got these things in mind that you really

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Speaker 3: want to achieve, right, Like you want to save for home,

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Speaker 3: and you just have come into a bigger salary, so

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Speaker 3: you're putting all of your money into an account so

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Speaker 3: that you can save your first home. But you've got

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Speaker 3: a ten thousand or eleven thousand dollar credit card or

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Speaker 3: personal debt, so you're just pretending it's not there while

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Speaker 3: feeling like you're achieving something else. It's actually gonna put

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Speaker 3: you further behind and you're not gonna.

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Speaker 1: Get as far forward.

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Speaker 3: What we should be doing is using that debt to

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Speaker 3: teach ourselves that we actually can create really good savings habits.

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Speaker 3: So maybe not seeing that as oh my gosh, I

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Speaker 3: lost all of that money.

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Speaker 1: We didn't. You already spent it, you're just paying it back.

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Speaker 3: But what you should be doing is going, oh my gosh,

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Speaker 3: if I could pay off ten thousand dollars worth of

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Speaker 3: credit card debt, I sure can save ten thousand dollars

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Speaker 3: in that same period of time. So try and prove

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Speaker 3: that to yourself instead.

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Speaker 4: That was good. That was not just your average little chat,

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Speaker 4: was it?

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Speaker 1: When Friday drinks with Victoria goes, oh, friends, I'm.

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Speaker 4: The cool kids usually like on a Friday night with.

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Speaker 3: Thee Yeah, welcome, welcome, Jorjia. When was the last time

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Speaker 3: you spent enough money that it made your eyes kind

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Speaker 3: of water? Umm?

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Speaker 4: Look, I am similar to Jess here. Spending more than

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Speaker 4: twenty dollars at a time makes me stirrup a little

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Speaker 4: in my mouth. So I think probably.

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Speaker 1: Twenty dollars that surprises me. From both of you.

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Speaker 4: You're gonna lie, I'm not a frivolous spender. I think

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Speaker 4: about everything I purchased to the point where.

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Speaker 3: No, you are literally one of the savvyest savers. I

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Speaker 3: know actually, and obviously when I'm share on the pod

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Speaker 3: what you've got in your savings, But she's pretty good

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Speaker 3: at saving friends.

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Speaker 4: Yeah. But I would say probably most recently would have

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Speaker 4: been the purchases that I made for the apartment that

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Speaker 4: I'm now living in. So I had to buy a

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Speaker 4: washing machine and a fridge. So things like that are

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Speaker 4: just like those purchases boring but you need them.

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Speaker 3: Yeah, so just those I guess, do you have any

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Speaker 3: savvy savings tips on those items or did you just

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Speaker 3: just marketplace?

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Speaker 1: Yeah?

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Speaker 4: Nice? Yeah, nice.

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Speaker 5: Complete side note, I'm one hundred percent convinced that I

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Speaker 5: can manifest anything that I went onto Facebook Marketplace. It's

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Speaker 5: happened to be five or six times where I've seen

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Speaker 5: something like quite expensive and pretty specific and I've managed

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Speaker 5: within i would.

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Speaker 1: Say, like two months or so to find.

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Speaker 5: It on Facebook Marketplace for at least half of the

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Speaker 5: retail price.

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Speaker 3: So back for another episode next week with life Coaching

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Speaker 3: from Jessica Ricci.

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Speaker 4: Okay, so finally, for you're the only one that hasn't

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Speaker 4: answered this question, and you have had quite a few.

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Speaker 1: That is true. That is true.

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Speaker 3: I actually feel a little bit embarrassed now about mine

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Speaker 3: because you guys are saying that you're so worried about

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Speaker 3: twenty dollars leaving your account, and mine was the house

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Speaker 3: deposit that left my account.

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Speaker 4: And what did that feel like?

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Speaker 3: Oh? It felt like I got kicked in the guards. Really, yeah,

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Speaker 3: absolutely it was. It wasn't that it was leaving. I

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Speaker 3: was very glad that I was finally achieving this goal.

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Speaker 3: And I really saw that transfer as like, you know,

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Speaker 3: the seal on signing a contract, I suppose, but it

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Speaker 3: was the waiting period between me transferring it and getting

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Speaker 3: a receipt from the real estate agent to say I've

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Speaker 3: transferred it, saying oh my gosh, where's my money gone?

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Speaker 3: Like that was a lot of money and now it's gone.

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Speaker 3: Or maybe it's because I'm just genuinely not used to

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Speaker 3: having that larger sums of money. But you actually have

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Speaker 3: to head down to the bank to get that transferred,

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Speaker 3: so it felt a little bit more legitimate.

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Speaker 1: But knowing that.

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Speaker 3: Some people had gotten caught up in scams historically transferring

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Speaker 3: large amounts of money and it being lost, like, I

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Speaker 3: didn't sleep well that night.

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Speaker 1: I'm not gonna lie.

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Speaker 4: How long did it take?

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Speaker 3: Oh, it took twenty four hours, so it's really quick

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Speaker 3: from bank to bank, and I got the confirmation that

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Speaker 3: it was there. But when you transfer your home deposit,

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Speaker 3: you'll get the receipt that you know it was transferred

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Speaker 3: from them, and I'll say, yep, we've done our job.

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Speaker 3: We've been there account in twenty four hours and you

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Speaker 3: go great, no problems. But you also get like a

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Speaker 3: written up receipt from the real estate agent to say, yes,

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Speaker 3: we've confirmed this and it is here, and they kind

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Speaker 3: of hold it in limbo before the actual owners of

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Speaker 3: the house get it, so it goes to the real

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Speaker 3: estate agent, not the other owners.

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Speaker 1: Just for those of you who don't understand that process,

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Speaker 1: because to be honest, there was a lot that I

447
00:19:23,119 --> 00:19:25,280
Speaker 1: needed to learn about property when going through that.

448
00:19:25,720 --> 00:19:27,760
Speaker 4: How are you feeling about that now, Vin, Oh.

449
00:19:27,600 --> 00:19:29,639
Speaker 1: My gosh, I'm so proud. Yeah, I'm so proud.

450
00:19:29,640 --> 00:19:32,679
Speaker 3: We achieved this epic goal and we achieved something that

451
00:19:33,080 --> 00:19:35,560
Speaker 3: I arguably didn't think would happen as fast as it did.

452
00:19:35,600 --> 00:19:38,359
Speaker 3: So I'm not mad about it, but I'm not gonna

453
00:19:38,400 --> 00:19:40,119
Speaker 3: lie every time I log into my bank and I'm like,

454
00:19:40,200 --> 00:19:46,119
Speaker 3: ah ah, that's that's not what that used to look like.

455
00:19:46,280 --> 00:19:49,000
Speaker 3: And I had the privilege of saving up with a

456
00:19:49,040 --> 00:19:51,879
Speaker 3: partner as well, so it always looked like it compounded

457
00:19:51,960 --> 00:19:54,840
Speaker 3: much faster than what I was contributing to it, So

458
00:19:54,960 --> 00:19:57,359
Speaker 3: that was super motivating. And how we're not doing that,

459
00:19:57,400 --> 00:19:59,800
Speaker 3: it's going into a mortgage or an offset, and like

460
00:20:00,080 --> 00:20:03,520
Speaker 3: that's okay, but I don't have the same visibility over

461
00:20:03,560 --> 00:20:05,840
Speaker 3: that as I did in my personal bank account when

462
00:20:05,840 --> 00:20:07,600
Speaker 3: we just had a joint account.

463
00:20:07,359 --> 00:20:08,040
Speaker 4: Going on from that.

464
00:20:08,080 --> 00:20:10,320
Speaker 5: Actually, I saw a post in the Facebook group the

465
00:20:10,320 --> 00:20:11,720
Speaker 5: other day that gave me a little bit of a

466
00:20:11,800 --> 00:20:13,760
Speaker 5: giggle as someone who used to work in real estate,

467
00:20:14,000 --> 00:20:16,560
Speaker 5: and I'm really sorry I can't remember your name, but

468
00:20:17,160 --> 00:20:18,760
Speaker 5: I'm sure there are a lot of people who may

469
00:20:18,800 --> 00:20:20,320
Speaker 5: have had the same train of thought. And she was

470
00:20:20,359 --> 00:20:24,320
Speaker 5: basically just asking how people felt carrying the cash for

471
00:20:24,359 --> 00:20:27,760
Speaker 5: their house deposits when they went to pay. So I

472
00:20:27,800 --> 00:20:29,959
Speaker 5: think she was under the impression that people were taking

473
00:20:30,000 --> 00:20:33,679
Speaker 5: their you know, sixty to seventy thousand dollars deposit to

474
00:20:33,800 --> 00:20:35,840
Speaker 5: the auction to put on the table.

475
00:20:36,240 --> 00:20:38,000
Speaker 1: Like when you buy a house in cash, that's not

476
00:20:38,040 --> 00:20:38,520
Speaker 1: what they mean.

477
00:20:38,680 --> 00:20:42,960
Speaker 3: No, and actually, and money that's in your bank account

478
00:20:43,160 --> 00:20:45,400
Speaker 3: that pays for it. Like if you're saying, oh, they

479
00:20:45,400 --> 00:20:47,359
Speaker 3: bought the house in cash. That don't just turn up

480
00:20:47,400 --> 00:20:49,119
Speaker 3: with a briefcase of money.

481
00:20:49,520 --> 00:20:52,159
Speaker 5: And that's not that's exactly the image I got was

482
00:20:52,200 --> 00:20:54,959
Speaker 5: like some shady person like opening up their coat and

483
00:20:55,000 --> 00:20:57,960
Speaker 5: just having a big suitcase full of money. But it

484
00:20:57,960 --> 00:21:00,440
Speaker 5: got me thinking, like, what's the most cash you've ever

485
00:21:00,760 --> 00:21:01,840
Speaker 5: seen in person?

486
00:21:01,840 --> 00:21:02,359
Speaker 4: Physical?

487
00:21:02,560 --> 00:21:07,040
Speaker 5: Physical casheah holding it in your hands at any one time.

488
00:21:07,520 --> 00:21:10,800
Speaker 4: That's throwing Daddy O under the bush, green boys in

489
00:21:10,840 --> 00:21:16,160
Speaker 4: the wallet. From time to time you must be like, nah,

490
00:21:16,160 --> 00:21:18,000
Speaker 4: I think you had like two when I was like, Dad,

491
00:21:18,160 --> 00:21:20,000
Speaker 4: you got any money you don't want or bet you're

492
00:21:20,000 --> 00:21:22,000
Speaker 4: done with? And he was like, George, go away.

493
00:21:23,160 --> 00:21:25,760
Speaker 3: So it was worth a crack. It was definitely worth

494
00:21:25,760 --> 00:21:27,840
Speaker 3: a crack. You got to shoot your shot. You don't

495
00:21:27,880 --> 00:21:29,600
Speaker 3: get your shot, that is okay, but at.

496
00:21:29,560 --> 00:21:30,200
Speaker 1: Least you try it.

497
00:21:31,080 --> 00:21:31,760
Speaker 4: How about u V.

498
00:21:32,080 --> 00:21:34,640
Speaker 3: I don't think i've ever held you know what? Actually,

499
00:21:34,880 --> 00:21:37,480
Speaker 3: I have a story way back when I just started

500
00:21:37,480 --> 00:21:40,760
Speaker 3: my grad role and I bought a new car. And

501
00:21:40,800 --> 00:21:42,520
Speaker 3: this is the thing that put me in personal debt

502
00:21:42,560 --> 00:21:44,640
Speaker 3: in the first place. For those of you playing along

503
00:21:44,640 --> 00:21:48,760
Speaker 3: on my life story. But I went and purchased a car.

504
00:21:48,800 --> 00:21:50,760
Speaker 3: It was a second hand car at the time. It

505
00:21:50,840 --> 00:21:52,919
Speaker 3: is the car I still drive friends, which happened to

506
00:21:52,960 --> 00:21:56,080
Speaker 3: be a two thousand and six model, so very recent,

507
00:21:56,240 --> 00:21:59,199
Speaker 3: very updated, very chic. I still love her dearly. You

508
00:21:59,200 --> 00:22:02,879
Speaker 3: guys know that pride and joy. But the person I

509
00:22:02,920 --> 00:22:09,200
Speaker 3: bought it off was out in broad Meadows and they

510
00:22:09,280 --> 00:22:13,399
Speaker 3: wanted to sell it in cash. And now that's not

511
00:22:13,440 --> 00:22:14,840
Speaker 3: a bad thing, but like.

512
00:22:14,840 --> 00:22:16,000
Speaker 4: Do mean it was stolen.

513
00:22:16,520 --> 00:22:18,240
Speaker 1: Oh, it's not a.

514
00:22:18,160 --> 00:22:21,840
Speaker 3: Bad thing, but it did feel slightly weird then being

515
00:22:21,880 --> 00:22:23,760
Speaker 3: like no, no, no, has to be in cash. And then

516
00:22:23,800 --> 00:22:25,760
Speaker 3: my dad was like, we really should look into these.

517
00:22:26,080 --> 00:22:28,159
Speaker 3: We like looked up the bin number and stuff, and

518
00:22:28,200 --> 00:22:29,480
Speaker 3: it was it was actually legit.

519
00:22:29,560 --> 00:22:30,920
Speaker 1: They did own it. It was fine.

520
00:22:30,960 --> 00:22:32,920
Speaker 3: There was no loan on the car or anything like that.

521
00:22:33,359 --> 00:22:36,480
Speaker 3: So yeah, that was probably then I had a hot

522
00:22:36,600 --> 00:22:40,160
Speaker 3: fourteen five hundred dollars in a cash in my cot.

523
00:22:40,680 --> 00:22:42,679
Speaker 5: Were you not afraid that it was a set up?

524
00:22:42,880 --> 00:22:44,719
Speaker 5: I would have been so scared that I was going

525
00:22:44,800 --> 00:22:45,640
Speaker 5: to get mugged.

526
00:22:45,840 --> 00:22:49,200
Speaker 3: I can't even remember the full story, if I'm being honest,

527
00:22:49,240 --> 00:22:51,920
Speaker 3: I just remember that was probably the only time I've

528
00:22:51,960 --> 00:22:53,800
Speaker 3: held a lot of money in my hands.

529
00:22:53,880 --> 00:22:57,959
Speaker 1: And do you know what I was so disappointed. Seeing

530
00:22:58,000 --> 00:22:59,480
Speaker 1: it in person, it.

531
00:22:59,440 --> 00:23:02,560
Speaker 3: Looked like thing like I thought we were gonna go

532
00:23:02,600 --> 00:23:04,320
Speaker 3: down to the band and can get this cash out

533
00:23:04,359 --> 00:23:06,080
Speaker 3: and it would be this massive.

534
00:23:05,720 --> 00:23:08,640
Speaker 1: Wadden I'd have to like hold it up or something.

535
00:23:08,840 --> 00:23:12,159
Speaker 3: But actually it was just like this small pile of cash,

536
00:23:12,200 --> 00:23:14,000
Speaker 3: and I was like, Oh, couldn't you've given it to

537
00:23:14,040 --> 00:23:15,320
Speaker 3: me in like fives.

538
00:23:16,400 --> 00:23:17,560
Speaker 1: Now, given that.

539
00:23:17,480 --> 00:23:21,560
Speaker 3: Story was so lackluster, that was good. It was lackluster.

540
00:23:21,760 --> 00:23:24,800
Speaker 3: Let's be honest, I reckon. Given Georgia King has always

541
00:23:24,800 --> 00:23:29,120
Speaker 3: has finish shot Rusky before everybody else, it is time

542
00:23:29,160 --> 00:23:31,520
Speaker 3: to wrap the show, which is actually how we manage

543
00:23:31,560 --> 00:23:34,520
Speaker 3: shows nowadays. It is the time in which it takes

544
00:23:34,560 --> 00:23:36,480
Speaker 3: Georgia to consume the drinks.

545
00:23:36,119 --> 00:23:39,040
Speaker 1: Which we have picked that week about exactly.

546
00:23:39,080 --> 00:23:41,600
Speaker 3: If you guys have any suggestions for next week's drink,

547
00:23:41,680 --> 00:23:43,560
Speaker 3: we are absolutely open to it.

548
00:23:43,680 --> 00:23:45,360
Speaker 1: Posted in the group. Send us a message.

549
00:23:45,400 --> 00:23:47,679
Speaker 3: We need to know is there a throwback drink we

550
00:23:47,720 --> 00:23:50,320
Speaker 3: should be consuming because we want to hear about it.

551
00:23:50,760 --> 00:23:53,440
Speaker 3: I'm going to pitch Wicked drinks. If those of you

552
00:23:53,520 --> 00:23:55,720
Speaker 3: playing along at home, remember.

553
00:23:55,280 --> 00:23:56,320
Speaker 4: Those energy drinks.

554
00:23:56,359 --> 00:23:57,960
Speaker 1: They're blue, their energy drinks.

555
00:23:58,359 --> 00:24:00,800
Speaker 4: I'm not talking about it. You're on our side of

556
00:24:00,840 --> 00:24:02,760
Speaker 4: the day, will remember that you're way older than us.

557
00:24:03,200 --> 00:24:03,720
Speaker 1: Wow.

558
00:24:04,240 --> 00:24:08,760
Speaker 3: Okay, well it is time to trap. It is time

559
00:24:08,800 --> 00:24:11,239
Speaker 3: to wrap the show. But just before we head off,

560
00:24:11,280 --> 00:24:14,119
Speaker 3: we'd like to acknowledge and pay respects to Australia's Aboriginal

561
00:24:14,160 --> 00:24:17,760
Speaker 3: interest rate islander people's, the traditional custodians of the lands,

562
00:24:17,760 --> 00:24:21,080
Speaker 3: the waterways and the skies all across Australia. We thank

563
00:24:21,119 --> 00:24:22,960
Speaker 3: you for sharing and for caring on the land which

564
00:24:23,000 --> 00:24:25,399
Speaker 3: we are able to learn. We pay our respects to

565
00:24:25,440 --> 00:24:27,679
Speaker 3: eldest past and present, and we share our friendship and

566
00:24:27,760 --> 00:24:28,520
Speaker 3: our kindness.

567
00:24:28,800 --> 00:24:31,040
Speaker 4: And remember that the advice shared on she is on

568
00:24:31,080 --> 00:24:33,400
Speaker 4: the Money is general in nature and does not consider

569
00:24:33,480 --> 00:24:37,119
Speaker 4: your individual circumstances. She's on the Money exists purely for

570
00:24:37,240 --> 00:24:39,880
Speaker 4: educational purposes and should not be relied upon to make

571
00:24:39,920 --> 00:24:43,360
Speaker 4: an investment or a financial decision. And we promise vic

572
00:24:43,400 --> 00:24:44,399
Speaker 4: cost Vine.

573
00:24:44,359 --> 00:24:48,520
Speaker 1: Is now vick Coss vick Os.

574
00:24:48,720 --> 00:24:52,600
Speaker 3: I mean it's arguably higher in rank than VICKI d

575
00:24:52,880 --> 00:24:53,680
Speaker 3: do you like Vicos?

576
00:24:53,680 --> 00:24:57,720
Speaker 1: Are you calling me? Are you calling me Vicos because

577
00:24:57,720 --> 00:24:59,000
Speaker 1: you call me cat Henos.

578
00:24:59,560 --> 00:25:01,399
Speaker 4: I think it's a thing I've started doing. I just

579
00:25:01,440 --> 00:25:03,480
Speaker 4: had os to everyone's name, like Jess before I was

580
00:25:03,480 --> 00:25:08,040
Speaker 4: like jess Us Beck, producer be Beckoss Ryanos wouldn't work.

581
00:25:08,119 --> 00:25:09,119
Speaker 1: It sounds like good.

582
00:25:10,640 --> 00:25:15,280
Speaker 4: Sorry anyway. Victoria Devine is an authorized representative of Australia

583
00:25:15,320 --> 00:25:18,480
Speaker 4: Pacific Buns Management proprior to Limited ABN three four one

584
00:25:18,480 --> 00:25:21,360
Speaker 4: three two four six three two five seven AFSL three

585
00:25:21,359 --> 00:25:23,760
Speaker 4: through nine one five one And a big thank you

586
00:25:23,800 --> 00:25:26,120
Speaker 4: of course to Bryan and Beck our producer does we're

587
00:25:26,160 --> 00:25:26,760
Speaker 4: putting it all.

588
00:25:26,680 --> 00:25:29,280
Speaker 3: Together, and also hot shout out to Jess for reminding

589
00:25:29,280 --> 00:25:31,159
Speaker 3: me that I couldn't go home early and needed to

590
00:25:31,200 --> 00:25:33,040
Speaker 3: stay back to record this podcast.

591
00:25:33,400 --> 00:25:34,680
Speaker 1: We would love.

592
00:25:34,480 --> 00:25:37,080
Speaker 3: It as well if you joined our Facebook group where

593
00:25:37,080 --> 00:25:40,560
Speaker 3: our community shares money tips and tricks literally every single day.

594
00:25:40,720 --> 00:25:43,800
Speaker 1: I'd argue we could update that now to every single hour.

595
00:25:44,359 --> 00:25:46,520
Speaker 1: So she's on the money on Facebook and join us.

596
00:25:46,640 --> 00:25:49,040
Speaker 3: If Facebook's not you think, we're also on Instagram, TikTok

597
00:25:49,040 --> 00:25:51,399
Speaker 3: and literally every other social media platform we can get

598
00:25:51,440 --> 00:25:54,200
Speaker 3: our mittens on, So don't forget to join us and

599
00:25:54,320 --> 00:25:56,840
Speaker 3: we will see you next week for Friday Drinks.

600
00:25:56,920 --> 00:25:58,080
Speaker 4: I'll see you then, guys.

601
00:25:58,119 --> 00:27:08,359
Speaker 1: Bye,