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Speaker 1: Hello.

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Speaker 2: My name is Satasha Nabananga Bamblet. I'm a proud or

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Speaker 2: the Order Kerni Whaltbury and a waddery woman. And before

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Speaker 2: we get started on She's on the Money podcast, I

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Speaker 2: would like to acknowledge the traditional custodians of the land

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Speaker 2: of which this podcast is recorded on a wondery country,

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Speaker 2: acknowledging the elders, the ancestors and the next generation coming through.

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Speaker 2: As this podcast is about connecting, empowering, knowledge sharing and

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Speaker 2: the storytelling of you to make a difference for today

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Speaker 2: and lasting impact for tomorrow.

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Speaker 1: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: that reminds you that even the most financially savvy people

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Speaker 4: have made money mistakes, and today we're talking about them

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Speaker 4: and we're doing something a little different. Victoria is usually

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Speaker 4: the one leading the charge, helping us get our money sorted.

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Speaker 4: What about her journey? Anyone cares about her journey? How

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Speaker 4: did she go from feeling totally overwhelmed by money to

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Speaker 4: becoming the finance expert we all turn to. I'm excited

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Speaker 4: and as always I'm joined of course by Victoria Divine

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Speaker 4: retired financial advisor. It makes you sound like eighty years old.

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Speaker 1: I know, And how else do you explain that? Though?

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Speaker 5: Well, retired ex financial advisor. I remember when we were

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Speaker 5: trying to pick and it's like, oh, well, how do

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Speaker 5: we refer to you because I'm not legally allowed to

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Speaker 5: say I'm a financial advisor?

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Speaker 4: Sure right?

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Speaker 1: Do I say X? And then you might think I

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Speaker 1: got kicked out of.

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Speaker 4: The industry, true, like a criminal, Like like, what did

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Speaker 4: she do?

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Speaker 1: Advisor?

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Speaker 5: Anymore's guys, I left willingly, I sold the business. I

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Speaker 5: stepped out to do this. So retired just makes it

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Speaker 5: sound a little bit nicer.

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Speaker 1: Oh that's her, actually, I think.

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Speaker 4: But she's not. You do sound that's true.

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Speaker 5: That's okay because a lot of my money habits and

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Speaker 5: like my personality traits are that of a senior citizen.

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Speaker 4: So that's well checks out. Actually, VD is not only

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Speaker 4: a retired financial advisor, but also best selling author, number

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Speaker 4: one money podcast host, business owner and the reason we

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Speaker 4: all know what an emergency fund is.

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Speaker 1: Oh, that's very sweet. You didn't have to intro me

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Speaker 1: like that.

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Speaker 4: Well, sorry, but we got to be celebrating.

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Speaker 5: I'm not gonna lie I'm really nervous about me. Like

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Speaker 5: it's funny because I can podcast till the cows come

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Speaker 5: home and talk about money and like my advice and

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Speaker 5: like it's like my subject matter topic.

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Speaker 4: Right.

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Speaker 5: But the second you turn the tables and go can

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Speaker 5: you talk about you? I'm like, oh, you're like kind

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Speaker 5: of fumble at I'm.

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Speaker 4: Like, oh, totally. And the lights in these studios are

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Speaker 4: just healthy. I know, I totally get it. Usually we're

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Speaker 4: just talking about you by proxy.

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Speaker 1: Yeah, exactly, but.

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Speaker 4: This is all eyes on you. So if it's okay,

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Speaker 4: I'm just going to like run through a Q and

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Speaker 4: A with you. O.

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Speaker 1: I am nervous, but let's go.

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Speaker 4: Okay. So first question I have. You've helped so many

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Speaker 4: people rewrite their money story, but I want to know

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Speaker 4: what was your earliest memory of money, and like was

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Speaker 4: it something you were aware of growing up or did

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Speaker 4: it not seem like a big deal at the time.

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Speaker 1: I have a few early memories of money.

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Speaker 5: So I grew up in Tasmania and we used to

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Speaker 5: go down or up to this beach called Greens Beach

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Speaker 5: and very family friendly at the time, Like it just

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Speaker 5: had one general store and that was it. In the

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Speaker 5: general store sold petrol, it's old golf balls, it had

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Speaker 5: a fish and chip counter, it had all the lollies,

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Speaker 5: did everything right. I love those And I remember when

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Speaker 5: I was younger, my parents used to give us like

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Speaker 5: we would We'd be let loose, like this was acceptable

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Speaker 5: at the time. We'd go out onto the rock pools,

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Speaker 5: like down at the beach and like hang around there,

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Speaker 5: me and my older cousins, and then we would go

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Speaker 5: to the general store with our gold coins and we

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Speaker 5: get hot chips with extra chicken salt, and then we

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Speaker 5: would take them back to the beach. And I remember

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Speaker 5: that was really cool because at the time gold coins

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Speaker 5: felt like lots of money, like they weren't silver coins.

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Speaker 1: They were gold.

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Speaker 4: Yes, there's something so like, yeah, they're invincible, yea.

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Speaker 5: And like that was so cool. But I always remember

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Speaker 5: feeling a little bit like, oh.

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Speaker 4: I really want the chippies when we're at the beach,

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Speaker 4: but I don't want to ask mom and dad for

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Speaker 4: the money, because I always felt like that was a

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Speaker 4: bit like at the time, and I don't know where

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Speaker 4: this came from, you shouldn't ask for money, like you

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Speaker 4: shouldn't ask for it.

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Speaker 5: But I mean, as I got older, I definitely asked

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Speaker 5: for it. And then another moment that I have that's

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Speaker 5: in my brain that you know, I would say, is

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Speaker 5: maybe a negative association with money again it was about

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Speaker 5: asking for money from my parents. Was when I was younger,

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Speaker 5: and I was probably in like maybe grade two or

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Speaker 5: three at school and I came home and my mum

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Speaker 5: used to get a little bit grumpy at me when

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Speaker 5: I didn't give her the forms that I got at school,

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Speaker 5: like they'd just sit in the bottom of my school

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Speaker 5: bag for ages. And some of them was genuinely because

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Speaker 5: I forgot, but other times it was because I didn't

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Speaker 5: want to give it to her because it was like, oh,

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Speaker 5: we need to, like do I don't know how much

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Speaker 5: it was, because like I never remember, but like maybe

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Speaker 5: it was like twenty dollars for like a school excursion

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Speaker 5: or something.

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Speaker 1: And I used to just get.

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Speaker 5: The itch even in grade two about pulling it out

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Speaker 5: and being like, oh, Mom and Dad, like I need

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Speaker 5: money for this sixcursion. Like it just never felt comfortable,

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Speaker 5: and that might just be me, or it might just

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Speaker 5: be you know, how I've grown up around money. I

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Speaker 5: don't know, but that's yeah, I would say two of

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Speaker 5: my earliest memories around like money.

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Speaker 4: You sound like a dream child. I feel like I

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Speaker 4: was constantly even though we were like perpetually broke, I'll

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Speaker 4: constantly ask you for money. It had no concept of outwork.

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Speaker 5: Yeah, but I think that comes from like and that's

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Speaker 5: so fine, and like it's not a good or a

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Speaker 5: bad thing. But I think I could tell well in

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Speaker 5: a way that money at the time might have been

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Speaker 5: stressful or significant. Yeah, it definitely had some significance. Like

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Speaker 5: I couldn't tell you what was going on or why,

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Speaker 5: but I knew that it would add pressure. And I

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Speaker 5: just remember that feeling of not wanting.

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Speaker 4: To add pressure. They're so sweet.

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Speaker 1: I don't know.

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Speaker 4: Yeah, no, that's fair. Okay, I have another question, if

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Speaker 4: you're ready. I feel like I should have been given

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Speaker 4: these questions in advance. I could have prepared, but here

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Speaker 4: we are. Yeah. No, that's true.

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Speaker 5: But it sometimes it's better to just like yolo. I mean,

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Speaker 5: you're just getting it raw. I mean that's what you

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Speaker 5: probably want anyways, that's what I want.

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Speaker 4: I want to raw. What's the most valuable money habit

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Speaker 4: or belief you picked up early in life that still

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Speaker 4: makes sense today.

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Speaker 5: I like that you've said still makes sense, yeah, because

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Speaker 5: it doesn't mean I did it, but I was taught

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Speaker 5: this from a young age, so.

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Speaker 4: It's kind of a pun.

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Speaker 5: Yeah, my dad was a accountant or is an accountant.

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Speaker 1: I don't know if you ever stopped being an accountant, and.

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Speaker 5: Growing up, he always said, always save the first five

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Speaker 5: percent your paycheck and pretend you don't have it, because

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Speaker 5: if you start that habit early, you will always not

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Speaker 5: have that money and you can always just save it.

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Speaker 5: And as your income increases, that five percent goes through

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Speaker 5: being like four dollars to forty dollars and like that

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Speaker 5: will increase.

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Speaker 1: And that's always stuck.

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Speaker 5: With me because it's kind of about this idea of

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Speaker 5: paying yourself first, and he used to like drum that

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Speaker 5: into us, Like when I got my first job, he

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Speaker 5: was like, Okay, make sure that you're saving. Did I

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Speaker 5: do it, though, beck No? No, So, like that is

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Speaker 5: a money lesson that I have had with me for

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Speaker 5: a long time that potentially I didn't actually implement.

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Speaker 1: Sure is that answering their question? No, absolutely, because I.

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Speaker 5: Can't think of something that I'm like, yeah, I've always

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Speaker 5: been good at money and I used to do that,

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Speaker 5: Like I haven't been good at money sure, like I

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Speaker 5: am now, And I think that that comes down to

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Speaker 5: two things. One obviously discovering my money story, being able

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Speaker 5: to get on top of it, being able to have

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Speaker 5: these open, honest conversations, and like being comfortable getting on

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Speaker 5: top of it, but also honestly having a little bit

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Speaker 5: more of it, like having the cash flow to support

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Speaker 5: the lifestyle, because I genuinely don't know what would happen

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Speaker 5: if I was earning the income that I used to earn,

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Speaker 5: whether I would have at some points to come to

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Speaker 5: being like, look, I really want to do this other

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Speaker 5: thing and gone into personal debt or something, just because

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Speaker 5: that's like, that's my personality, Like it's inherent in who

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Speaker 5: I am to be relatively impulsive.

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Speaker 1: Yeah, no, that makes sense. So I don't want to

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Speaker 1: say to people.

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Speaker 5: I'm perfect and now like I've recovered from being in

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Speaker 5: debt and you know, I'm not in debt anymore, and

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Speaker 5: I am you know, the holy grail of savings and money.

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Speaker 5: Like I get that that's what I share, but I

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Speaker 5: also think that we need to remember that I'm just

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Speaker 5: a girl, Like I am impulsive, Like I can resonate

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Speaker 5: with a lot of things when people like I'm in

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Speaker 5: after pay debt, I'd be like, okay, well I've never

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Speaker 5: been in after pay debt. But I fully understand that

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Speaker 5: if I was in that financial position and I still

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Speaker 5: wanted that stuff, do you know what come midnight and

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Speaker 5: I'm still on my phone, maybe I would have given.

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Speaker 4: It a crack, like yeah, yeah, exactly, you totally. Also,

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Speaker 4: I feel like there's like something in when you've been

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Speaker 4: in debt and you get out of it and the

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Speaker 4: fear of egg.

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Speaker 1: It's so scary, but it makes me feel sick.

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Speaker 4: Totally. Same even if I get like a debit success

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Speaker 4: email because my anytime fitness thing didn't work, I get

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Speaker 4: stressed anxious.

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Speaker 5: Yeah, so like I do the same thing in the

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Speaker 5: uns Like it's funny. I actually got a call yesterday

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Speaker 5: because I missed an invoice. Yeah, and it was for

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Speaker 5: like two hundred dollars. That wasn't like it was a

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Speaker 5: business invoice. I just it was for my being completely transparent,

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Speaker 5: It was for my accountant because I have lots of

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Speaker 5: different entities. I have lots of different fees that I

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Speaker 5: pay for different things, and like, honestly, I just missed

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Speaker 5: it and the lady called me, and I I won't

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Speaker 5: say I freaked out, but I was like, oh my god,

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Speaker 5: I'm so sorry, like just like, oh, it's just three

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Speaker 5: hundred bucks. I'm just following up on, you know, the invoicing.

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Speaker 5: You're like, you know, you don't usually miss any of them,

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Speaker 5: and like con text, I paid tens of thousands of

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Speaker 5: dollars a year in accounting fees. That's just part and

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Speaker 5: parcel of running businesses, having what we do right, and

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Speaker 5: so this two hundred dollars shouldn't have been an issue.

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Speaker 1: I felt sick.

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Speaker 5: I immediately am talking across the room to Sarah and

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Speaker 5: I was like, Sarah, can you please look at my emails,

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Speaker 5: like can you please find it? I can't seem to

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Speaker 5: find it because I was frazzled looking my emails trying

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Speaker 5: to find this invoice that I hadn't paid, and I

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Speaker 5: was like, it's in there, can you please look it up?

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Speaker 5: And then you know, she couldn't open it on her

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Speaker 5: computer because it had timed out. Well, email them, email

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Speaker 5: them and find out what it was. Like yeah, I

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Speaker 5: was just so and I'm like, can you pay it now?

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Speaker 5: And she's like, yeah, I think I can pay it now.

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Speaker 5: I was like, yeah, do that do that.

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Speaker 4: Like, I just hate the idea that I would owe

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Speaker 4: somebody money. Yeah, Like I won't say that that's trauma,

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Speaker 4: but it can sometimes feel that way. Yeah. No, I

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Speaker 4: totally get that. There are lots of people that have

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Speaker 4: a lot worse things going on, but it's like it

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Speaker 4: triggers that fight or flight in you because you know,

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Speaker 4: you know that feeling.

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Speaker 1: Yeah, I felt sick and yeah, could if thord it? Yeah,

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Speaker 1: like I can, I can afford.

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Speaker 4: And that's so nice now, But I think in those moments,

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Speaker 4: you forget where you've been and what you've come from,

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Speaker 4: and you just go.

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Speaker 5: Oh my god, I owe someone money and I didn't

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Speaker 5: transfer it. Oh no, Like I genuinely was real frazzled.

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Speaker 5: Oh my god, I completely get that.

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Speaker 4: So relatable. Okay, my next question for you. When you

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Speaker 4: first started making your own money, how did you handle it?

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Speaker 5: So my first job was working at an ice cream

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Speaker 5: shop on the Mornington Peninsula. I thought it was a

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Speaker 5: coolest job ever.

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Speaker 4: Weird boss, who Now I look back, you shouldn't have

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Speaker 4: been managing people. But okay, I would say poorly, but

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Speaker 4: I had a good time. Nice poorly, but I had

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Speaker 4: a good time. Like I was young, I was fourteen

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Speaker 4: years and nine months. I had some income coming in.

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Speaker 4: I didn't know at all what superannuation was. I didn't

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Speaker 4: know how tax worked, and at the time, I don't

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Speaker 4: think I cared, because I think once I learned that

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Speaker 4: it got taken out before I got my money, I

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Speaker 4: was like whatever, Like I don't care.

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Speaker 1: I would save up my money.

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Speaker 5: And the closest big shopping area was Frankston at the time,

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Speaker 5: and if I was lucky, Mum would let me catch

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Speaker 5: the bus after school to Frankston with a couple of

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Speaker 5: my girlfriends, where we would go to so Prey and

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Speaker 5: look at all of the stuff at the Prey and

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Speaker 5: get our pink tote bags. And I remember the headbands.

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Speaker 5: I think they were like four ninety nine, like the

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Speaker 5: really skinny headbands with the boats.

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Speaker 1: Do you remember them. They were made of elastic. I

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Speaker 1: had so many of them.

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Speaker 5: I at the time really liked the slogan T shirts

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Speaker 5: there because they had like, I don't know, weird slogans or.

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Speaker 1: Semile T shirts. Yeah, yeah, yeah, I can remember that.

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Speaker 5: And I've always been into clothes and fashion and stuff.

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Speaker 5: And then there was this other store I can't remember

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Speaker 5: what it was called and I wish I could, but

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Speaker 5: it was like I want to say, Joanne Lee or

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Speaker 5: something like that. Yeah, it sold. Do you remember the

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Speaker 5: brand face Off like they did like face Off jeans

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Speaker 5: and familiar. They weren't super expensive, but for me at

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Speaker 5: the time, they definitely felt it. And all the cool

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Speaker 5: girls wore those chees that real low rise, like sometimes

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Speaker 5: a bit of a flair moment. And so I spent

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Speaker 5: my money on that. I would spend my money at McDonald's.

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Speaker 5: So my friends and I would go to McDonald's. Oh

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Speaker 5: you got to school, oh yeah, And at the time,

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Speaker 5: I remember like it was a four dollar meal deal,

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Speaker 5: Like it was a chicken and cheeseburger, a small chips,

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Speaker 5: a small coke, and a Sunday for four dollars.

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Speaker 4: Oh my god, bargain, I know, right.

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Speaker 1: Good deal. So we'd go do that.

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Speaker 5: I used to go to the movies a lot like

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Speaker 5: that was always like a good activity.

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Speaker 1: Growing up on the Peninsula. There wasn't a lot.

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Speaker 5: Of activities you could do after school or like a

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Speaker 5: bud village yep, go down to the plaza. So all

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Speaker 5: of my money, honestly, it wasn't on big things like

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Speaker 5: I can't ever remember going. Oh, I saved up all

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Speaker 5: of my money and spent it on X. I remember

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Speaker 5: at one point my parents matched me because they really

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Speaker 5: wanted to promote my savings, and I got an iPod

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Speaker 5: Mini c pink iPod Mini. So I would say that

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Speaker 5: was probably the biggest thing at the time that I

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Speaker 5: had saved for. But all my money just went because

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Speaker 5: like at the time, maybe I was earning like fifty

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Speaker 5: to one hundred dollars a week with my part time

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Speaker 5: job like max. Yeah, but all of that in a

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Speaker 5: week would go on, like you know, little accessories and

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Speaker 5: stuff a' to prey and going out for you know,

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Speaker 5: after school things with my friends to McDonald's and the

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Speaker 5: movies and just gone, just gone.

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Speaker 1: So was I good at money?

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Speaker 2: No?

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Speaker 5: But no, I's just enjoying my teenagehood. I suppose you're

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Speaker 5: just a tiny baby.

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Speaker 4: Yeah, you enjoy the finer things.

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Speaker 5: Yeah, the finer things being a McDonald's chicken and cheeseburger

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Speaker 5: four meal deal.

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Speaker 4: I would argue those are still the finer things.

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Speaker 1: Yeah. Do you know what if that was still for

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Speaker 1: like that was a.

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Speaker 4: Good deal, all I'd be eating fials. I feel like

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Speaker 4: sometimes it is for dollars, like I feel like they

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Speaker 4: haven't including the Sunday. Oh maybe not including the sun.

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Speaker 1: But the Sunday was like the literal cherry on.

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Speaker 4: Yeah, that's true, that's Truectually. I'm curious about what flavored

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Speaker 4: Sunday you go for caramel always, I viscerally, like in

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Speaker 4: my gut, I knew you were going to say, Cary,

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Speaker 4: you did, but I was like, that's outrageous.

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Speaker 1: Do you know what Jessica Briechi picks.

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Speaker 4: She's strawberry.

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Speaker 1: She's Oh my god, what you saw.

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Speaker 4: I didn't even know you guys.

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Speaker 1: Yeah, it's like you're inside our brains.

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Speaker 4: Yeah, okay, before you had your money sorted, Yeah, what

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Speaker 4: was life actually like? What were the biggest money headaches

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Speaker 4: for you back then?

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Speaker 5: So I moved out of home when I was eighteen,

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Speaker 5: and I moved out because I wanted to go to

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Speaker 5: university and I lived on the Mornington Peninsula and at

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Speaker 5: that point, the big freeway hadn't been built yet pink no, no,

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Speaker 5: Peninsula Link wasn't a thing yet. So to get from

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Speaker 5: my house like where I lived with my parents, which

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Speaker 5: I definitely could have stayed in, like they were very

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Speaker 5: generous to get to the city was about an hour

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Speaker 5: and a half, right, And I really wanted to go

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Speaker 5: to university, and so made the decision to move out.

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Speaker 5: And I moved out with a couple of housemates, just

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Speaker 5: people I went to school with at the time. We

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Speaker 5: got an apartment in South Bank, and I think my

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Speaker 5: biggest struggles were.

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Speaker 1: Rent and food and managing all of that.

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Speaker 5: I just remember the rude shock of having to pay

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Speaker 5: for everything that I hadn't really thought about before. Yeah,

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Speaker 5: and like, I mean, it's not like it is today.

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Speaker 5: Things were much cheaper, Like olive oil was just olive oil,

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Speaker 5: it wasn't liquid gold. But having to buy those like

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Speaker 5: household items like washing machine liquid and you know, at

364
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Speaker 5: the time, vacuum cleaner bags. Oh yeah, vacuum cleaner bags everything.

365
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Speaker 5: I remember being like what the hell, like this is full,

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Speaker 5: and then realizing that they were actually super expensive. And

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Speaker 5: then I remember spending like a whole afternoon pulling all

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Speaker 5: of the junk out of the vacuum cleaner bags so

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Speaker 5: I could reuse it. Yes, and so yeah, money wasn't

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Speaker 5: in abundance. But I also worked really hard, So like

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Speaker 5: I'll give myself credit for working really hard. So while

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Speaker 5: I was at university, I was working like three jobs.

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Speaker 5: I was working at least forty hours a week. But

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Speaker 5: even though I had that income coming in, I can't

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Speaker 5: tell you where it went like it went on my lifestyle.

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Speaker 5: It went on, you know, city, paying for clothes, paying

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Speaker 5: for shoes, like I always was, and I would say

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Speaker 5: still and well dressed, but to a downfall at that

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Speaker 5: point in time. So you would have looked at me

380
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Speaker 5: and been like, oh, she has her stuff together as

381
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Speaker 5: a first y UNI student, But like I was living

382
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Speaker 5: very week to week. Was I ever in you know,

383
00:17:34,520 --> 00:17:40,480
Speaker 5: serious significant financial struggles? No, and like I've always had.

384
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Speaker 5: I want to call it the bank of Mum and Dad,

385
00:17:42,640 --> 00:17:45,000
Speaker 5: but you know, my parents aren't so well off that

386
00:17:45,040 --> 00:17:46,879
Speaker 5: I could just call them that. It wasn't ever a

387
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Speaker 5: comfortable call. But there were definitely a few times where

388
00:17:49,320 --> 00:17:51,639
Speaker 5: I was like, do you think I can borrow one

389
00:17:51,720 --> 00:17:54,560
Speaker 5: hundred dollars? Or can you please help me here or there?

390
00:17:54,600 --> 00:17:56,680
Speaker 5: And I'm so grateful for that help, but it would

391
00:17:56,680 --> 00:17:58,359
Speaker 5: be a missed to not mentioned that I had that

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Speaker 5: in the background. But I think having that meant I

393
00:18:02,080 --> 00:18:05,400
Speaker 5: felt safe not to be responsible, yeah, if that makes sense.

394
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Speaker 5: Like I didn't feel like I ever had to worry

395
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Speaker 5: about an emergency fund because like, at the end of

396
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Speaker 5: the day, yeh, it's uncomfortable, but I could call my mum,

397
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Speaker 5: Like at the end of the day, I called X

398
00:18:15,400 --> 00:18:20,400
Speaker 5: y Z. So I always kind of had that fail safe. Yeah,

399
00:18:20,440 --> 00:18:23,440
Speaker 5: and like it felt icky, Like I never liked it,

400
00:18:23,720 --> 00:18:27,879
Speaker 5: but it definitely was something that I, yeah, nice to

401
00:18:27,920 --> 00:18:30,000
Speaker 5: have the back of your head. Yeah, totally, And I

402
00:18:30,000 --> 00:18:31,800
Speaker 5: think we need to talk about that because so many

403
00:18:31,840 --> 00:18:34,199
Speaker 5: of us end up in a situation that we're not

404
00:18:34,280 --> 00:18:36,679
Speaker 5: super proud of, but like we just don't really know

405
00:18:36,760 --> 00:18:38,600
Speaker 5: how we got there, and like I know how I

406
00:18:38,640 --> 00:18:42,920
Speaker 5: got there. But yeah, my entire journey was I would

407
00:18:42,960 --> 00:18:46,480
Speaker 5: say comfortable. But like first, ye university, I was working

408
00:18:46,480 --> 00:18:50,000
Speaker 5: three jobs. I was working two hospitality jobs and a

409
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Speaker 5: retail job on a Saturday because I want to double

410
00:18:53,240 --> 00:18:56,040
Speaker 5: and a half time rates, so I didn't have much

411
00:18:56,080 --> 00:18:59,440
Speaker 5: free time. And then in between all of that, I

412
00:18:59,480 --> 00:19:02,880
Speaker 5: would actually do like sessional swim teaching in the mornings

413
00:19:02,880 --> 00:19:06,480
Speaker 5: and stuff before UNI sometimes cool, but yeah, so I

414
00:19:06,560 --> 00:19:09,160
Speaker 5: had income coming in. But I would say that even

415
00:19:09,200 --> 00:19:11,200
Speaker 5: with all of that work, it was at the time

416
00:19:11,240 --> 00:19:14,640
Speaker 5: minimum wage. And I think my tax returns probably said

417
00:19:14,640 --> 00:19:17,600
Speaker 5: it would be between twenty five and thirty thousand dollars.

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Speaker 4: Wow.

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Speaker 1: Yeah, so not mass amounts. I see.

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00:19:20,440 --> 00:19:23,240
Speaker 4: Yeah, Okay, Now I want to know was there a

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00:19:23,320 --> 00:19:26,399
Speaker 4: specific moment where you were like, no, this isn't working

422
00:19:26,440 --> 00:19:28,000
Speaker 4: for me. I need to sort this out or was

423
00:19:28,040 --> 00:19:29,159
Speaker 4: it like a process.

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Speaker 5: It wasn't early on, it wasn't at UNI or whatever.

425
00:19:33,040 --> 00:19:36,480
Speaker 5: It was definitely once I got my first full time job.

426
00:19:36,560 --> 00:19:38,879
Speaker 5: So when I've got my first full time job, I

427
00:19:38,960 --> 00:19:43,399
Speaker 5: had finished two degrees and had just started kind of

428
00:19:43,440 --> 00:19:46,160
Speaker 5: like dabbling whether I would do like a master's degree

429
00:19:46,240 --> 00:19:46,439
Speaker 5: or not.

430
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Speaker 1: I did a lot of.

431
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Speaker 5: Like graduate interviews because I really wanted to work in

432
00:19:50,359 --> 00:19:53,919
Speaker 5: organizational psychology, and I was dabbling in like you know,

433
00:19:54,520 --> 00:19:56,800
Speaker 5: interviewing at Deloitte and doing all these other things. And

434
00:19:56,800 --> 00:19:58,760
Speaker 5: then I got offered the role that I got offered,

435
00:19:58,760 --> 00:20:01,880
Speaker 5: which was not a graduate position. It was a consultant role,

436
00:20:02,280 --> 00:20:04,800
Speaker 5: and like I thought, I'd hit the jackpot because like

437
00:20:05,280 --> 00:20:09,080
Speaker 5: that was like the step above graduate, and I felt

438
00:20:09,080 --> 00:20:12,040
Speaker 5: like I could turbocharge, if that makes sense. Like, yeah,

439
00:20:12,080 --> 00:20:14,520
Speaker 5: I jumped something like it was like snakes and ladders,

440
00:20:14,560 --> 00:20:17,399
Speaker 5: and I'd hit a ladder and I jumped up and

441
00:20:17,440 --> 00:20:19,480
Speaker 5: I remember my and I found it the other day

442
00:20:19,520 --> 00:20:21,199
Speaker 5: because I was talking to one of the teammates and

443
00:20:21,200 --> 00:20:22,800
Speaker 5: I was like, I, reckon, this is in my email,

444
00:20:22,840 --> 00:20:25,200
Speaker 5: like my first employment contract, and it was fifty five

445
00:20:25,320 --> 00:20:29,600
Speaker 5: thousand dollars a year including super Yeah, and I felt rich,

446
00:20:29,760 --> 00:20:32,520
Speaker 5: Like I genuinely felt like that it was the most

447
00:20:32,520 --> 00:20:35,000
Speaker 5: amount of money I'd ever earned in my entire life.

448
00:20:35,720 --> 00:20:39,520
Speaker 5: But I think that dynamic change of not being a grad,

449
00:20:39,640 --> 00:20:42,760
Speaker 5: not having other grads around me, I went straight into

450
00:20:42,840 --> 00:20:46,800
Speaker 5: the big swimming pool of the consultants who were in

451
00:20:46,840 --> 00:20:50,679
Speaker 5: their mid thirties forties, and I saw them and I

452
00:20:50,720 --> 00:20:53,520
Speaker 5: thought they were doing so well. And I did definitely

453
00:20:53,560 --> 00:20:56,480
Speaker 5: play into and this is only in retrospect. I didn't

454
00:20:56,480 --> 00:20:58,439
Speaker 5: know I was doing it at the time, playing that

455
00:20:58,480 --> 00:21:01,880
Speaker 5: like keeping up with the Joneses mentality of like they

456
00:21:01,880 --> 00:21:04,639
Speaker 5: have really nice suits, I really probably should get a

457
00:21:04,720 --> 00:21:07,359
Speaker 5: nice suit, and like the stuff that I was wearing

458
00:21:07,359 --> 00:21:09,920
Speaker 5: at the time, Like I would mainly shop at like Portman's,

459
00:21:10,000 --> 00:21:12,159
Speaker 5: and I would go to like Zara and then like

460
00:21:12,200 --> 00:21:14,600
Speaker 5: match it with like cute kmart tops and singlets, so

461
00:21:14,640 --> 00:21:18,600
Speaker 5: like I was good at finding stuff. But then I'd

462
00:21:18,640 --> 00:21:21,680
Speaker 5: see people in like Shinier suits, and I'd be like, oh,

463
00:21:21,760 --> 00:21:24,240
Speaker 5: I really probably should invest in a really good suit.

464
00:21:24,640 --> 00:21:26,920
Speaker 5: And I've said this before, and I think that's because

465
00:21:26,920 --> 00:21:30,239
Speaker 5: that's my big purchase that was kind of pivotal, Like

466
00:21:30,320 --> 00:21:32,440
Speaker 5: it was kind of like a it made me feel

467
00:21:32,480 --> 00:21:35,160
Speaker 5: so good, Like I bought this suit. It was navy blue.

468
00:21:35,600 --> 00:21:39,600
Speaker 5: I bought the skirt and the pants of it that

469
00:21:39,640 --> 00:21:41,840
Speaker 5: matched the jacket. Because the jacket was so expensive, I

470
00:21:41,880 --> 00:21:44,000
Speaker 5: was like, I need to get like maximum wear out

471
00:21:44,040 --> 00:21:47,920
Speaker 5: of this, and it was from Saba and it probably

472
00:21:48,000 --> 00:21:50,760
Speaker 5: cost me like six hundred dollars, right, and at the time,

473
00:21:50,880 --> 00:21:54,280
Speaker 5: that's an astronomical amount of money. Yeah, but also in

474
00:21:54,280 --> 00:21:56,879
Speaker 5: comparison to that salary, like that's not I don't know.

475
00:21:57,040 --> 00:21:58,960
Speaker 5: I look back and I go Victoria divine, Like that

476
00:21:59,080 --> 00:22:02,040
Speaker 5: was very irrisp constable. I don't regret it because I

477
00:22:02,040 --> 00:22:03,520
Speaker 5: did feel really good and it gave me a lot

478
00:22:03,520 --> 00:22:06,040
Speaker 5: of confidence. So like, you've got to weigh up the

479
00:22:06,080 --> 00:22:09,520
Speaker 5: pros and cons. But yeah, I think for me, that

480
00:22:09,600 --> 00:22:11,800
Speaker 5: was the downfall of it. At that point, I was

481
00:22:11,840 --> 00:22:14,240
Speaker 5: still functioning completely in cash, so I paid cash for

482
00:22:14,280 --> 00:22:17,000
Speaker 5: that off my debit card. But after that, I remember

483
00:22:17,040 --> 00:22:20,439
Speaker 5: applying for a five hundred dollar credit card. Yeah, and

484
00:22:20,480 --> 00:22:22,840
Speaker 5: I got that, and then I remember pushing that up

485
00:22:22,840 --> 00:22:25,639
Speaker 5: to one thousand dollars. And then because it was like

486
00:22:25,720 --> 00:22:27,760
Speaker 5: the start and I mentioned just before I was thinking

487
00:22:27,800 --> 00:22:31,920
Speaker 5: about doing my masters, I then enrolled in a Master's

488
00:22:31,960 --> 00:22:35,720
Speaker 5: of Business Administration. So I did my MBA and as

489
00:22:35,720 --> 00:22:37,640
Speaker 5: a part of that program, I think it was maybe

490
00:22:37,720 --> 00:22:40,480
Speaker 5: like almost twelve months after I started my full time gig,

491
00:22:40,640 --> 00:22:44,480
Speaker 5: I got the opportunity to do like a secondment semester

492
00:22:45,119 --> 00:22:48,520
Speaker 5: in France. Cool, right, very cool, And that was only

493
00:22:48,560 --> 00:22:51,080
Speaker 5: offered if you like met certain criteria and had like

494
00:22:51,119 --> 00:22:53,840
Speaker 5: certain grades and whatever. And I was like so excited

495
00:22:54,240 --> 00:22:56,919
Speaker 5: and like I'd applied for it, I think, kind of

496
00:22:57,400 --> 00:22:59,240
Speaker 5: not assuming I would get in. And then when I

497
00:22:59,280 --> 00:23:02,080
Speaker 5: got in, it was like this mad scramble of I

498
00:23:02,240 --> 00:23:04,000
Speaker 5: really want to go, but I can't afford to go,

499
00:23:04,480 --> 00:23:06,760
Speaker 5: and there's no way, Like this isn't one hundred dollars

500
00:23:06,760 --> 00:23:09,400
Speaker 5: for a mum and dad. Like I'd done my maths

501
00:23:09,440 --> 00:23:11,399
Speaker 5: to like study abroad, I was going to have to

502
00:23:11,440 --> 00:23:13,880
Speaker 5: take leave without pay, Like what do I do about

503
00:23:13,880 --> 00:23:16,240
Speaker 5: the house that I live in? Like do I keep

504
00:23:16,280 --> 00:23:17,159
Speaker 5: my rent or not?

505
00:23:17,400 --> 00:23:18,280
Speaker 1: Do I?

506
00:23:18,359 --> 00:23:21,280
Speaker 5: You know, like there was a lot of questions how

507
00:23:21,359 --> 00:23:24,400
Speaker 5: was I going to afford accommodation overseas as well as

508
00:23:24,440 --> 00:23:27,280
Speaker 5: like living expenses and not being able to work, Like

509
00:23:27,480 --> 00:23:29,560
Speaker 5: how do we work that out? And then on top

510
00:23:29,640 --> 00:23:31,880
Speaker 5: of that, it was in my head, I'm like, well,

511
00:23:32,680 --> 00:23:37,840
Speaker 5: I haven't really traveled properly before this. Should I also

512
00:23:37,880 --> 00:23:40,320
Speaker 5: do a holiday on top of that? And then you know,

513
00:23:40,400 --> 00:23:42,679
Speaker 5: the conversation of a personal loan came into it, and

514
00:23:42,680 --> 00:23:44,480
Speaker 5: I decided, Okay, well I could just get a loan

515
00:23:44,520 --> 00:23:46,120
Speaker 5: for this and I can deal with all of this later.

516
00:23:46,720 --> 00:23:49,560
Speaker 5: And I ended up getting a personal loan. And at

517
00:23:49,560 --> 00:23:52,159
Speaker 5: the same time, my car was dying. Yes, so I

518
00:23:52,200 --> 00:23:55,520
Speaker 5: had all of these big expenses and I needed a

519
00:23:55,600 --> 00:23:58,240
Speaker 5: new car. And in retrospect, like you know when you

520
00:23:58,240 --> 00:23:59,679
Speaker 5: look back on things and you're like, I should have

521
00:23:59,720 --> 00:24:02,040
Speaker 5: done that so differently, like what are you doing? But

522
00:24:02,080 --> 00:24:04,639
Speaker 5: it all made sense at the time. I needed a

523
00:24:04,680 --> 00:24:06,800
Speaker 5: new car, I needed to go to France. I also

524
00:24:06,920 --> 00:24:08,480
Speaker 5: wanted to add on a bit of a holiday.

525
00:24:08,640 --> 00:24:08,920
Speaker 4: Yeah.

526
00:24:09,040 --> 00:24:12,280
Speaker 5: Ultimately I took out a forty thousand dollar personal loan

527
00:24:13,040 --> 00:24:17,320
Speaker 5: and I wish I didn't do. I regret going to

528
00:24:17,400 --> 00:24:19,800
Speaker 5: France and doing the things that I did. No, absolutely

529
00:24:19,840 --> 00:24:22,399
Speaker 5: not like I had the best time. I made some

530
00:24:22,600 --> 00:24:26,439
Speaker 5: incredible friends. I have these beautiful memories. I don't regret it.

531
00:24:26,960 --> 00:24:30,320
Speaker 5: But when I say I regret the debt, it's not

532
00:24:30,359 --> 00:24:32,280
Speaker 5: because I regret the things I spent it on. Yes,

533
00:24:32,320 --> 00:24:35,240
Speaker 5: I've got literally nothing to show for it, But I

534
00:24:35,440 --> 00:24:40,199
Speaker 5: really feel the pressure that I was under when I

535
00:24:40,240 --> 00:24:43,760
Speaker 5: returned home was so immense that it impacted my mental

536
00:24:43,800 --> 00:24:46,480
Speaker 5: health and like how I felt and how I couldn't sleep,

537
00:24:46,480 --> 00:24:48,280
Speaker 5: and it made me not eat, and like all of

538
00:24:48,320 --> 00:24:50,639
Speaker 5: these other things, Like I just I didn't know how

539
00:24:50,680 --> 00:24:52,400
Speaker 5: I was coming up with that eight hundred and eighty

540
00:24:52,400 --> 00:24:54,320
Speaker 5: three dollars every single month to pay.

541
00:24:54,119 --> 00:24:54,720
Speaker 1: That debt off.

542
00:24:54,960 --> 00:24:58,080
Speaker 4: Yeah jeez, And like the idea that I was paying

543
00:24:58,080 --> 00:25:00,720
Speaker 4: that off, but like the debt never went down, like

544
00:25:00,800 --> 00:25:02,959
Speaker 4: that was the minimum, and like when am I going

545
00:25:03,000 --> 00:25:03,680
Speaker 4: to get out of this?

546
00:25:03,760 --> 00:25:04,439
Speaker 1: Is this forever?

547
00:25:04,640 --> 00:25:08,040
Speaker 5: And then like you extrapolated out and I was recently single.

548
00:25:08,080 --> 00:25:10,280
Speaker 5: I'd come out of a very long term relationship. The

549
00:25:10,280 --> 00:25:13,159
Speaker 5: boyfriend that I had had before I went I was

550
00:25:13,200 --> 00:25:16,040
Speaker 5: in a relationship with for seven and a half years.

551
00:25:16,160 --> 00:25:19,760
Speaker 5: Oh wow, And I think it was all of that combined.

552
00:25:19,800 --> 00:25:21,359
Speaker 5: I was like, no, I deserve this I'm going to

553
00:25:21,400 --> 00:25:23,120
Speaker 5: do something for me, and I took out this really

554
00:25:23,119 --> 00:25:25,840
Speaker 5: big loan and then I just couldn't sleep, I could eat,

555
00:25:25,960 --> 00:25:30,320
Speaker 5: I couldn't do literally anything. It was I would say, crippling.

556
00:25:30,560 --> 00:25:32,560
Speaker 5: Oh yeah, and like if you've never been in debt,

557
00:25:32,600 --> 00:25:33,280
Speaker 5: you don't get it.

558
00:25:33,400 --> 00:25:34,399
Speaker 1: Yes, you don't get it.

559
00:25:34,480 --> 00:25:38,000
Speaker 5: And it's like you've done something wrong and you're up

560
00:25:38,040 --> 00:25:41,520
Speaker 5: at three am just ruminating on it. Like it's that

561
00:25:41,560 --> 00:25:44,080
Speaker 5: feeling of like what am I going to do? How

562
00:25:44,080 --> 00:25:45,760
Speaker 5: am I going to do it? And like everything's worth

563
00:25:45,840 --> 00:25:47,960
Speaker 5: at three am, but like that's when you wake up

564
00:25:48,000 --> 00:25:50,320
Speaker 5: and think about it. So I was having really bad sleep,

565
00:25:50,359 --> 00:25:53,320
Speaker 5: I wasn't performing well at work. I was just anxious

566
00:25:53,359 --> 00:25:56,679
Speaker 5: all the time, but also still wanting to keep up

567
00:25:56,720 --> 00:25:59,440
Speaker 5: with my friends. Oh man, So my friends didn't know

568
00:25:59,560 --> 00:26:01,439
Speaker 5: I was in debt. No, and they'd be like, do

569
00:26:01,440 --> 00:26:03,679
Speaker 5: you want to go out for dumplings? Of course I do,

570
00:26:05,200 --> 00:26:07,640
Speaker 5: but yeah, what do you do in those situations?

571
00:26:07,760 --> 00:26:11,800
Speaker 4: I know, I know, I completely get it, and I obviously,

572
00:26:11,840 --> 00:26:14,280
Speaker 4: as you know, have been there. Okay, Vid, I'm going

573
00:26:14,320 --> 00:26:18,840
Speaker 4: to give you like a few moments to just reset

574
00:26:19,359 --> 00:26:21,640
Speaker 4: and let's go to a quick break on the flip side,

575
00:26:21,640 --> 00:26:23,439
Speaker 4: I'm going to ask you some more questions. But I

576
00:26:23,480 --> 00:26:27,000
Speaker 4: do understand the anxiety around talking about debt, So I'm like.

577
00:26:27,520 --> 00:26:28,640
Speaker 1: I'll let you have a little sit.

578
00:26:29,800 --> 00:26:32,680
Speaker 4: You're feeling anxious now, but at the time, oh my goodness,

579
00:26:32,880 --> 00:26:35,399
Speaker 4: oh my god, I totally get it. Okay, we'll be

580
00:26:35,480 --> 00:26:42,120
Speaker 4: right back. Welcome back everyone. How are you feeling? Oh,

581
00:26:42,160 --> 00:26:46,480
Speaker 4: I'm fine, yeah, fine, It's interesting. I'm like, I want

582
00:26:46,520 --> 00:26:50,440
Speaker 4: to share this about how do I articulate myself. I

583
00:26:50,480 --> 00:26:52,120
Speaker 4: don't worry about that, no, but I want to give

584
00:26:52,119 --> 00:26:53,480
Speaker 4: you like all of the like oh and I was

585
00:26:53,480 --> 00:26:55,560
Speaker 4: doing this and like, oh this added to it, and

586
00:26:55,560 --> 00:26:57,480
Speaker 4: like I was going out of a relationship, and I

587
00:26:57,480 --> 00:26:59,679
Speaker 4: think we can all relate to, like, yeah, coming out

588
00:26:59,680 --> 00:27:02,720
Speaker 4: like I wanted to treat myself like I don't know absolutely.

589
00:27:02,760 --> 00:27:04,639
Speaker 1: It's also like triggering memories for me.

590
00:27:04,680 --> 00:27:06,280
Speaker 5: And I'm like, oh and oh, and so this is

591
00:27:06,320 --> 00:27:09,880
Speaker 5: probably a really disjointed podcast, So I do apologize.

592
00:27:09,880 --> 00:27:13,520
Speaker 4: Well, I'm enjoying it personally. Okay, Okay, so you've had

593
00:27:13,560 --> 00:27:15,439
Speaker 4: your oh my god, I need to fix this moment.

594
00:27:15,920 --> 00:27:18,560
Speaker 4: You've made the first move. But then what did things

595
00:27:18,560 --> 00:27:20,840
Speaker 4: finally start falling into place? It was like a total

596
00:27:20,880 --> 00:27:22,120
Speaker 4: mess before it got better.

597
00:27:21,960 --> 00:27:23,520
Speaker 1: When you got out of debt, or when you were

598
00:27:23,560 --> 00:27:24,040
Speaker 1: working out.

599
00:27:24,160 --> 00:27:25,959
Speaker 5: We did it just all you woke up one day

600
00:27:26,000 --> 00:27:28,960
Speaker 5: and it fell into place back personally, God, No, I

601
00:27:29,160 --> 00:27:34,600
Speaker 5: sure journey eally, and I don't think there's ever it's

602
00:27:34,640 --> 00:27:35,960
Speaker 5: going to fall into place moment.

603
00:27:36,080 --> 00:27:38,560
Speaker 1: Yeah, I think I just had this realization.

604
00:27:39,200 --> 00:27:42,560
Speaker 5: It was when one of my best friends shared with

605
00:27:42,640 --> 00:27:45,520
Speaker 5: me her saving skull. I remember I was at brunch

606
00:27:45,520 --> 00:27:48,440
Speaker 5: and it was an expensive brunch and I was picking

607
00:27:48,600 --> 00:27:51,480
Speaker 5: the cheapest thing off the menu at the time, and

608
00:27:52,080 --> 00:27:54,600
Speaker 5: I remember her talking about wanting to do like I

609
00:27:54,600 --> 00:27:56,800
Speaker 5: can't even remember what it was like. The thing that

610
00:27:56,880 --> 00:27:59,040
Speaker 5: sits in my head is I could tell you exactly

611
00:27:59,040 --> 00:28:01,480
Speaker 5: the table where were sitting at at brunch and where

612
00:28:01,480 --> 00:28:03,920
Speaker 5: we were. I can't remember what her savings goal was for,

613
00:28:04,119 --> 00:28:07,240
Speaker 5: but I remember being shocked that she had savings, Like

614
00:28:07,280 --> 00:28:09,440
Speaker 5: I remember being like, wait, what, You're not like me.

615
00:28:09,920 --> 00:28:13,160
Speaker 5: I lived with this girlfriend, like she was my housemate

616
00:28:13,200 --> 00:28:16,000
Speaker 5: at the time. Yeah, And I remember being like sorry, what,

617
00:28:16,880 --> 00:28:19,280
Speaker 5: Like you have savings? I thought we were both Like

618
00:28:19,560 --> 00:28:21,640
Speaker 5: I knew that I had debt and I hadn't told

619
00:28:21,680 --> 00:28:23,720
Speaker 5: anybody about that, And I don't think I assumed she

620
00:28:23,800 --> 00:28:26,600
Speaker 5: had debt, but I didn't think she had the capacity

621
00:28:26,640 --> 00:28:28,840
Speaker 5: to save because we had not the same jobs, but

622
00:28:28,920 --> 00:28:30,040
Speaker 5: similar jobs.

623
00:28:29,840 --> 00:28:32,520
Speaker 1: Like yeah, similar, what do you mean what?

624
00:28:33,280 --> 00:28:35,520
Speaker 5: And I think that was a very like for me,

625
00:28:35,600 --> 00:28:39,200
Speaker 5: it was very confronting because we had very similar incomes

626
00:28:39,240 --> 00:28:41,240
Speaker 5: and what do you mean you have a whole heap

627
00:28:41,280 --> 00:28:43,680
Speaker 5: of savings and you're going to go to Europe and

628
00:28:44,000 --> 00:28:47,680
Speaker 5: or you know, like that feeling of oh okay, And

629
00:28:47,720 --> 00:28:49,800
Speaker 5: so for me that was a bit of an eye opening,

630
00:28:49,920 --> 00:28:53,760
Speaker 5: like I probably should work on debt. I didn't immediately

631
00:28:53,760 --> 00:28:56,840
Speaker 5: start getting out of debt, but I was really seriously going,

632
00:28:56,880 --> 00:28:59,960
Speaker 5: I need to do something about this. And so at

633
00:29:00,080 --> 00:29:02,440
Speaker 5: the time I did not believe that I could get

634
00:29:02,480 --> 00:29:05,320
Speaker 5: out of debt on my own. I was googling what

635
00:29:05,360 --> 00:29:07,880
Speaker 5: does it mean to go bankrupt? And that doesn't mean

636
00:29:07,880 --> 00:29:10,320
Speaker 5: that I was in that exact situation, but I didn't

637
00:29:10,360 --> 00:29:12,800
Speaker 5: know anything about money. I was googling what does it

638
00:29:12,840 --> 00:29:14,920
Speaker 5: mean to go bankrupt? How would that impact me? Like

639
00:29:15,000 --> 00:29:18,280
Speaker 5: at the time, I didn't have, you know, a business.

640
00:29:18,000 --> 00:29:22,960
Speaker 4: Or anything like that, and I was working in this

641
00:29:23,080 --> 00:29:27,120
Speaker 4: organizational psychology role in a consulting space, and like I

642
00:29:27,160 --> 00:29:30,320
Speaker 4: knew that financial advisors existed because like some of our

643
00:29:30,360 --> 00:29:33,240
Speaker 4: clients were financial advisors, and so I was like, Okay,

644
00:29:33,280 --> 00:29:34,959
Speaker 4: maybe I'll go see an advisor. And I did all

645
00:29:35,000 --> 00:29:37,560
Speaker 4: my research and I went and saw a financial advisor

646
00:29:38,040 --> 00:29:43,280
Speaker 4: and he was at the time lovely, but then he's like, okay, like,

647
00:29:43,360 --> 00:29:44,480
Speaker 4: let's put it on a white board.

648
00:29:44,480 --> 00:29:45,520
Speaker 1: How much debt have you got?

649
00:29:45,560 --> 00:29:48,000
Speaker 5: And I felt really judged, but I told him, and

650
00:29:48,040 --> 00:29:49,720
Speaker 5: he put it on the white board and like drew

651
00:29:49,800 --> 00:29:53,440
Speaker 5: up some things and basically told me that like I

652
00:29:53,520 --> 00:29:54,840
Speaker 5: wasn't a good client for him.

653
00:29:54,960 --> 00:29:56,120
Speaker 4: Ah, that's nice.

654
00:29:56,520 --> 00:30:00,600
Speaker 5: Yeah, And I was kind of there going, oh, I

655
00:30:00,640 --> 00:30:03,160
Speaker 5: was happy to spend money to have a plan to

656
00:30:03,160 --> 00:30:05,440
Speaker 5: get out of debt because I just didn't I couldn't

657
00:30:05,440 --> 00:30:07,120
Speaker 5: see the light at the end of the tunnel. I

658
00:30:07,160 --> 00:30:08,760
Speaker 5: didn't know what to look up. I didn't know like

659
00:30:08,840 --> 00:30:10,280
Speaker 5: I thought this was going to be the thing that

660
00:30:10,360 --> 00:30:12,720
Speaker 5: solved it for me. And I walked away from that

661
00:30:12,800 --> 00:30:16,120
Speaker 5: meeting feeling like trash. I felt like I'd wasted his time.

662
00:30:16,320 --> 00:30:19,160
Speaker 5: I felt like and at the time, I did feel

663
00:30:19,160 --> 00:30:21,000
Speaker 5: like I'd wasted his time, like I wasn't in this.

664
00:30:21,240 --> 00:30:23,480
Speaker 5: Oh my god, what a rude person, Like I felt

665
00:30:23,480 --> 00:30:28,240
Speaker 5: awful and so yeah, that all happened, and then I

666
00:30:28,280 --> 00:30:30,600
Speaker 5: was like, well, maybe no one's going to save me,

667
00:30:30,720 --> 00:30:32,800
Speaker 5: Like maybe I have to do this myself. And I

668
00:30:32,840 --> 00:30:35,760
Speaker 5: started like looking things up on YouTube, and like, you know,

669
00:30:36,080 --> 00:30:39,600
Speaker 5: I learned about the Snowball method versus the Avalanche method,

670
00:30:39,640 --> 00:30:40,920
Speaker 5: and I was like, oh my god, there are all

671
00:30:40,920 --> 00:30:43,320
Speaker 5: these people like the debt free community and they are

672
00:30:43,360 --> 00:30:45,880
Speaker 5: talking about it. And then you know, there was a

673
00:30:45,920 --> 00:30:47,760
Speaker 5: whole heap of other stuff going on in my work

674
00:30:47,800 --> 00:30:51,400
Speaker 5: life where I was secondered to a financial advice business

675
00:30:51,480 --> 00:30:54,440
Speaker 5: and I was doing some engagement work for them, and

676
00:30:55,040 --> 00:30:57,680
Speaker 5: I realized that their work was way cooler than mine,

677
00:30:57,880 --> 00:31:00,920
Speaker 5: Like mine was about impact, right, Like I was engagement

678
00:31:00,960 --> 00:31:03,520
Speaker 5: and I could like sort of measure that, but like

679
00:31:03,920 --> 00:31:06,400
Speaker 5: they were like sitting clients down and showing them like

680
00:31:06,480 --> 00:31:09,000
Speaker 5: these plans, and I love a plan. I'm so type

681
00:31:09,040 --> 00:31:11,960
Speaker 5: A like I love having a plan and I can

682
00:31:11,960 --> 00:31:14,120
Speaker 5: show a client where I'm getting that from. And I

683
00:31:14,120 --> 00:31:15,920
Speaker 5: could see that their clients were really happy, and I

684
00:31:16,000 --> 00:31:18,480
Speaker 5: kind of wanted to learn more about that. So originally

685
00:31:18,480 --> 00:31:21,480
Speaker 5: it wasn't necessarily about getting myself out of debt, but

686
00:31:21,640 --> 00:31:23,760
Speaker 5: I kind of put the two and two together again

687
00:31:23,800 --> 00:31:27,640
Speaker 5: in hindsight and was really interested in that because I

688
00:31:27,640 --> 00:31:29,720
Speaker 5: think it benefited me at the time. And then when

689
00:31:29,720 --> 00:31:32,440
Speaker 5: I realized, okay, you can create a plan. Okay, I

690
00:31:32,480 --> 00:31:34,640
Speaker 5: can't just keep paying this eight hundred and eighty three

691
00:31:34,720 --> 00:31:37,280
Speaker 5: dollars off every single month and think I'm getting ahead.

692
00:31:37,280 --> 00:31:38,719
Speaker 5: I need to create a plan where I can pay

693
00:31:38,760 --> 00:31:41,840
Speaker 5: off some more. I was considering things like weekend work

694
00:31:41,880 --> 00:31:45,240
Speaker 5: and like, you know, trying to work that out. And then, yeah,

695
00:31:45,280 --> 00:31:48,320
Speaker 5: I think that was my moment of working out what

696
00:31:48,360 --> 00:31:50,800
Speaker 5: I needed to do. And I think that realization that

697
00:31:50,840 --> 00:31:52,800
Speaker 5: I couldn't just pay off the minimum and that would

698
00:31:52,840 --> 00:31:55,560
Speaker 5: be okay. I had to actually throw a lot more

699
00:31:55,600 --> 00:31:56,240
Speaker 5: at it. Yeah.

700
00:31:56,240 --> 00:32:00,800
Speaker 4: That was confronting and hard, and I wasn't out of

701
00:32:00,840 --> 00:32:03,280
Speaker 4: debt like no, of course, it did feel like I

702
00:32:03,320 --> 00:32:06,520
Speaker 4: was in a bit more control. Yeah. Yeah, So at

703
00:32:06,520 --> 00:32:08,800
Speaker 4: some point VID took the leap and kind of like

704
00:32:08,840 --> 00:32:11,240
Speaker 4: turned into finance, which is so funny because I feel

705
00:32:11,280 --> 00:32:13,400
Speaker 4: like finance at that time was maybe like a bit

706
00:32:13,400 --> 00:32:16,680
Speaker 4: anxiety in guy it was, but I genuinely felt like

707
00:32:16,760 --> 00:32:19,320
Speaker 4: by helping other people, I felt more in control of

708
00:32:19,360 --> 00:32:21,960
Speaker 4: my money. Yeah, because I was forcing me to walk

709
00:32:22,000 --> 00:32:24,120
Speaker 4: the walk. That makes it any way like, still nobody

710
00:32:24,200 --> 00:32:24,880
Speaker 4: knew about my debt.

711
00:32:24,880 --> 00:32:27,959
Speaker 5: I hadn't told anybody Like this was still very like

712
00:32:28,280 --> 00:32:31,479
Speaker 5: secret squirrel, Like I was very ashamed of this. This

713
00:32:31,640 --> 00:32:34,680
Speaker 5: wasn't something that had you asked me if I had debt.

714
00:32:34,800 --> 00:32:35,960
Speaker 5: But I think I would.

715
00:32:35,720 --> 00:32:36,520
Speaker 1: Have lied to you.

716
00:32:36,600 --> 00:32:37,920
Speaker 4: Yeah, that's so fair.

717
00:32:38,080 --> 00:32:39,600
Speaker 1: Like am I proud of that?

718
00:32:39,720 --> 00:32:39,800
Speaker 2: No?

719
00:32:39,960 --> 00:32:42,160
Speaker 5: But yeah, I think I would have lied to you. Yeah,

720
00:32:42,680 --> 00:32:43,880
Speaker 5: Like I think I would have been like, no, I

721
00:32:43,920 --> 00:32:44,800
Speaker 5: don't know what you're talking about.

722
00:32:44,920 --> 00:32:47,360
Speaker 4: Oh, absolutely, because there's such a stigma around like Jay,

723
00:32:47,400 --> 00:32:50,400
Speaker 4: keep go boss, Yeah, there is a stigma which we

724
00:32:50,480 --> 00:32:52,800
Speaker 4: are trying to change every single absolutely we are.

725
00:32:52,840 --> 00:32:54,400
Speaker 1: But like, how do I change it If I'm not

726
00:32:54,400 --> 00:32:55,360
Speaker 1: going to be honest about it?

727
00:32:55,400 --> 00:32:58,080
Speaker 4: I know that's it. But no, So you took the leap,

728
00:32:58,160 --> 00:33:00,200
Speaker 4: And I wonder, like, if there's someone listening to this

729
00:33:00,320 --> 00:33:02,680
Speaker 4: they weren't thinking about making a big career change, what's

730
00:33:02,720 --> 00:33:04,160
Speaker 4: the best advice you've got for them?

731
00:33:04,400 --> 00:33:05,040
Speaker 1: Make a plan?

732
00:33:05,440 --> 00:33:09,400
Speaker 5: So I took the leap for a plethora of different reasons,

733
00:33:09,440 --> 00:33:13,000
Speaker 5: Like I wasn't feeling like the engagement stuff was as

734
00:33:13,080 --> 00:33:15,959
Speaker 5: nourishing as it could be. I wasn't saying things like

735
00:33:16,000 --> 00:33:18,239
Speaker 5: that though I was just not feeling comfy with it.

736
00:33:18,280 --> 00:33:20,800
Speaker 5: And I was like, you know, peeving across the fence,

737
00:33:20,840 --> 00:33:22,680
Speaker 5: being like, what are other people doing on their job?

738
00:33:22,720 --> 00:33:26,200
Speaker 5: Looks really interesting, and like I did have the privilege

739
00:33:26,200 --> 00:33:28,480
Speaker 5: of like, that'syconment, so I could see what other people

740
00:33:28,520 --> 00:33:30,840
Speaker 5: were doing literally in the office I was in, and

741
00:33:30,880 --> 00:33:33,000
Speaker 5: I was like, I could definitely do that, and I

742
00:33:33,120 --> 00:33:36,440
Speaker 5: took the leap into finance, but it wasn't, you know,

743
00:33:36,680 --> 00:33:40,719
Speaker 5: an uncalculated risk ultimately, I so the first role I

744
00:33:40,760 --> 00:33:43,760
Speaker 5: took in finance was for someone else, and I was

745
00:33:43,840 --> 00:33:48,680
Speaker 5: managing their HR and like recruitment and engagement stuff inside

746
00:33:48,720 --> 00:33:52,720
Speaker 5: of financial advice business, and that was agreed upon because

747
00:33:52,720 --> 00:33:55,360
Speaker 5: I really wanted to be in financial advice, but obviously

748
00:33:55,360 --> 00:33:58,080
Speaker 5: I wasn't an advisor. And while I was helping with that,

749
00:33:58,440 --> 00:34:01,320
Speaker 5: I was studying to be I'm a financial advisor, and

750
00:34:01,360 --> 00:34:03,520
Speaker 5: I was finishing off my MBA at the same time,

751
00:34:03,760 --> 00:34:05,960
Speaker 5: so I was doing all of that, and I think

752
00:34:06,200 --> 00:34:08,880
Speaker 5: because I was doing my MBA, which is a Master's

753
00:34:08,880 --> 00:34:11,719
Speaker 5: of Business Administration, it was a lot about running a

754
00:34:11,719 --> 00:34:14,319
Speaker 5: business and operating a business because I kind of knew

755
00:34:14,360 --> 00:34:17,480
Speaker 5: that's what I wanted to do. Like winding back I

756
00:34:17,640 --> 00:34:20,160
Speaker 5: had at the time the opportunity to do my Masters

757
00:34:20,200 --> 00:34:23,960
Speaker 5: of Organizational Psychology or my Masters of Business Administration, and

758
00:34:25,040 --> 00:34:29,080
Speaker 5: I was actually working in that consulting role. That meant

759
00:34:29,160 --> 00:34:33,480
Speaker 5: I probably didn't need my Masters of bogsite because I

760
00:34:33,520 --> 00:34:35,919
Speaker 5: was already in the space working, So like, why would

761
00:34:35,920 --> 00:34:37,520
Speaker 5: I go and get the degree that would let me

762
00:34:37,560 --> 00:34:39,400
Speaker 5: get that job when I already had the job. So

763
00:34:39,640 --> 00:34:42,040
Speaker 5: I kind of decided that the MBA would make sense,

764
00:34:42,120 --> 00:34:45,800
Speaker 5: and through that learned a lot about managing a business,

765
00:34:45,880 --> 00:34:48,280
Speaker 5: what that would look like, and I think that pushed

766
00:34:48,320 --> 00:34:50,279
Speaker 5: me into going, no, you really do want your own

767
00:34:50,320 --> 00:34:54,120
Speaker 5: business at some point. So yeah, one thing led to another,

768
00:34:54,239 --> 00:34:56,840
Speaker 5: and I knew that once I became a financial advisor,

769
00:34:56,920 --> 00:34:59,600
Speaker 5: I didn't want to be a financial advisor that just

770
00:34:59,640 --> 00:35:01,680
Speaker 5: worked for someone else. I wanted to be a financial

771
00:35:01,719 --> 00:35:05,040
Speaker 5: advisor that had her own business. And so I think

772
00:35:05,080 --> 00:35:07,480
Speaker 5: from the get go there was a lot of research

773
00:35:07,520 --> 00:35:08,520
Speaker 5: into well, what does that.

774
00:35:08,480 --> 00:35:10,120
Speaker 1: Look like, how much does that cost?

775
00:35:10,160 --> 00:35:12,480
Speaker 5: And like I wasn't able to do that immediately, like

776
00:35:12,520 --> 00:35:16,080
Speaker 5: I was working for another financial advisory practice at the

777
00:35:16,120 --> 00:35:18,960
Speaker 5: same time as like building this up, But that was

778
00:35:19,000 --> 00:35:21,319
Speaker 5: all very transparent, I think because I've always been quite

779
00:35:21,360 --> 00:35:24,120
Speaker 5: headstrong if I want something like, I'm not going to

780
00:35:24,239 --> 00:35:26,279
Speaker 5: skirt around it and going to be like, hey, bex,

781
00:35:26,280 --> 00:35:28,640
Speaker 5: So I was thinking, this is like ultimately what I

782
00:35:28,680 --> 00:35:30,920
Speaker 5: want to achieve, but obviously I can't do that right now?

783
00:35:30,960 --> 00:35:31,440
Speaker 1: Do you reckon?

784
00:35:31,440 --> 00:35:35,120
Speaker 4: We could do abcdn Sure, And that's what happened. That

785
00:35:35,239 --> 00:35:38,239
Speaker 4: is so cool, And I think you've just got to ask, yeah, like,

786
00:35:38,280 --> 00:35:40,279
Speaker 4: and if you want to make a really big career change,

787
00:35:40,320 --> 00:35:42,640
Speaker 4: make a plan like, yes, you might have to take

788
00:35:42,800 --> 00:35:47,960
Speaker 4: two steps backwards, but like ultimately it might shotgun you forward. Absolutely,

789
00:35:48,360 --> 00:35:50,400
Speaker 4: you're climbing a ladder that you want to climb. Snakes

790
00:35:50,440 --> 00:35:54,080
Speaker 4: and ladders, baby, Exactly when you started making more money, yeah,

791
00:35:54,320 --> 00:35:57,480
Speaker 4: how did you keep yourself from slipping into old habits

792
00:35:57,480 --> 00:36:00,840
Speaker 4: and letting lifestyle creep take over good?

793
00:36:01,160 --> 00:36:01,640
Speaker 3: I didn't.

794
00:36:01,920 --> 00:36:04,880
Speaker 5: When I started making more money, I was contributing more

795
00:36:04,920 --> 00:36:07,640
Speaker 5: to my debt. But at the time, my debt honestly

796
00:36:07,680 --> 00:36:10,200
Speaker 5: felt like a burden still, Like I was just like

797
00:36:10,280 --> 00:36:12,400
Speaker 5: I didn't want to be putting money towards it. I

798
00:36:12,400 --> 00:36:14,719
Speaker 5: didn't see it in the way that I see debt now.

799
00:36:14,800 --> 00:36:17,640
Speaker 5: Like if you're in personal debt and you you know,

800
00:36:17,719 --> 00:36:17,960
Speaker 5: said to.

801
00:36:17,960 --> 00:36:18,719
Speaker 1: Me V what do I do.

802
00:36:18,800 --> 00:36:21,000
Speaker 5: I'm like, okay, cool, Like, let's make a plan and

803
00:36:21,480 --> 00:36:24,399
Speaker 5: everything that you're paying off your debt. Beck like, that's

804
00:36:24,440 --> 00:36:26,799
Speaker 5: you proving to yourself that that is one day what

805
00:36:26,840 --> 00:36:27,640
Speaker 5: your savings will be.

806
00:36:27,800 --> 00:36:28,040
Speaker 6: Yeah.

807
00:36:28,040 --> 00:36:29,839
Speaker 5: Like, I didn't see it that way, and I wish

808
00:36:29,920 --> 00:36:31,920
Speaker 5: that I had someone that like was like, hey, like

809
00:36:31,960 --> 00:36:34,359
Speaker 5: this is actually really good habit setting and like, look

810
00:36:34,360 --> 00:36:35,920
Speaker 5: at what you could do into the future.

811
00:36:36,160 --> 00:36:38,720
Speaker 1: I didn't see it that way. So was I amazing

812
00:36:38,719 --> 00:36:39,200
Speaker 1: at money?

813
00:36:39,560 --> 00:36:39,600
Speaker 2: No?

814
00:36:40,040 --> 00:36:42,719
Speaker 5: I think I was still very much living week to week.

815
00:36:42,800 --> 00:36:45,920
Speaker 5: I did start saving some money, though. Should I have

816
00:36:45,960 --> 00:36:49,200
Speaker 5: been saving while having debt? No, but I'm not gonna lie.

817
00:36:49,239 --> 00:36:53,000
Speaker 5: That made me feel really financially secure. And so ultimately,

818
00:36:53,560 --> 00:36:56,520
Speaker 5: once I, you know, learn a lot more about finance,

819
00:36:56,640 --> 00:36:59,320
Speaker 5: and you know, I'm working in this financial advice space,

820
00:36:59,440 --> 00:37:01,600
Speaker 5: it's kind of like the plumber that has a leaky tap.

821
00:37:01,719 --> 00:37:03,640
Speaker 5: Just because I knew the right thing to do did

822
00:37:03,640 --> 00:37:05,880
Speaker 5: not mean I was doing it right. I knew that

823
00:37:06,160 --> 00:37:08,799
Speaker 5: I probably shouldn't be sitting on a whole heap of

824
00:37:09,680 --> 00:37:11,839
Speaker 5: savings when I had debt, because if you have debt

825
00:37:12,000 --> 00:37:15,000
Speaker 5: and you have savings, you don't have savings. So ultimately

826
00:37:15,080 --> 00:37:17,400
Speaker 5: I did end up transferring most of that to my

827
00:37:17,480 --> 00:37:20,840
Speaker 5: debt pay it off and keeping like a little emergency fund,

828
00:37:20,840 --> 00:37:24,120
Speaker 5: because I thought that was really important. And the reason

829
00:37:24,160 --> 00:37:26,000
Speaker 5: that was so important to me was I wasn't like

830
00:37:26,719 --> 00:37:31,200
Speaker 5: buying into that debt cycle anymore. Like whenever something popped up,

831
00:37:31,239 --> 00:37:33,040
Speaker 5: I had the cash for it, and I didn't have

832
00:37:33,080 --> 00:37:35,400
Speaker 5: to like put it back on my personal loan or

833
00:37:35,440 --> 00:37:36,320
Speaker 5: I didn't have to put.

834
00:37:36,160 --> 00:37:37,080
Speaker 1: It on a credit card.

835
00:37:37,120 --> 00:37:40,600
Speaker 5: And like, I remember learning about this like snowball and

836
00:37:40,640 --> 00:37:42,719
Speaker 5: avalanche method and stuff, and I was like, Okay, cool,

837
00:37:42,800 --> 00:37:44,040
Speaker 5: you know what I'm going to do this month. I'm

838
00:37:44,080 --> 00:37:46,799
Speaker 5: going to do minimum repayments on my personal loan and

839
00:37:46,840 --> 00:37:49,239
Speaker 5: I'm actually just for the next two months or however long.

840
00:37:49,360 --> 00:37:50,799
Speaker 5: I can't remember how long it took me. I'm going

841
00:37:50,840 --> 00:37:52,560
Speaker 5: to pay off that credit card because the credit card

842
00:37:52,600 --> 00:37:55,160
Speaker 5: wasn't massive, but it was a lot. And then I

843
00:37:55,200 --> 00:37:57,399
Speaker 5: closed it and I remember being like, oh my god,

844
00:37:57,520 --> 00:38:01,360
Speaker 5: I now only have one debt like that, It's so good. Yeah,

845
00:38:01,400 --> 00:38:03,439
Speaker 5: And so I think that for me was like that.

846
00:38:03,800 --> 00:38:05,880
Speaker 5: I started being a little bit more aggressive, and I

847
00:38:05,920 --> 00:38:08,960
Speaker 5: started seeing cash that was coming in as an opportunity

848
00:38:09,000 --> 00:38:12,080
Speaker 5: to get out of debt. Sooner as opposed to oh yeah,

849
00:38:12,120 --> 00:38:15,160
Speaker 5: I can treat myself. But it was hard to change

850
00:38:15,200 --> 00:38:18,160
Speaker 5: that mindset. And even once I got out of debt,

851
00:38:18,239 --> 00:38:20,840
Speaker 5: I won't say that I was incredible at money management.

852
00:38:21,040 --> 00:38:23,799
Speaker 5: I remember being like, hey, hold on, hold on, hold on,

853
00:38:23,840 --> 00:38:25,320
Speaker 5: I've been out of debt for like six months and

854
00:38:25,360 --> 00:38:27,319
Speaker 5: I've got nothing to show for it. And that's that

855
00:38:27,480 --> 00:38:29,880
Speaker 5: point where I had to sit down and go, I

856
00:38:29,960 --> 00:38:33,520
Speaker 5: need to create a money management system because ultimately I

857
00:38:33,560 --> 00:38:38,040
Speaker 5: can't be trusted like I have ADHD. I'm incredibly impulsive.

858
00:38:38,520 --> 00:38:41,960
Speaker 5: I've known that about myself since I was eighteen nineteen.

859
00:38:42,040 --> 00:38:44,520
Speaker 5: I've been medicated since then, so I'm not, you know,

860
00:38:44,680 --> 00:38:47,640
Speaker 5: someone who got a late diagnosis. But I didn't know

861
00:38:47,680 --> 00:38:50,040
Speaker 5: how that impacted my money. Like at the time, you

862
00:38:50,160 --> 00:38:52,680
Speaker 5: just don't know what you don't know, and like I

863
00:38:52,840 --> 00:38:55,120
Speaker 5: still had that stigma in my head that I was

864
00:38:55,200 --> 00:38:59,960
Speaker 5: that boisterous boy in grade two who's swinging on their

865
00:39:00,080 --> 00:39:02,640
Speaker 5: chair and being told to like sit down and stop

866
00:39:02,719 --> 00:39:05,120
Speaker 5: yelling in class. Like that was my idea of what

867
00:39:05,160 --> 00:39:08,560
Speaker 5: ADHD was, even though I'd been diagnosed with it and

868
00:39:08,640 --> 00:39:11,799
Speaker 5: had been told outright it manifests differently in women. I

869
00:39:11,840 --> 00:39:13,279
Speaker 5: was like yeah, cool, you should say that to make

870
00:39:13,320 --> 00:39:14,160
Speaker 5: me feel better about this.

871
00:39:14,560 --> 00:39:15,960
Speaker 4: Yeah, exactly, who knows?

872
00:39:16,480 --> 00:39:18,359
Speaker 5: So, yeah, I wasn't good at it, And it wasn't

873
00:39:18,440 --> 00:39:21,560
Speaker 5: until I created a money management system where I was like, Okay, cool,

874
00:39:21,600 --> 00:39:24,200
Speaker 5: I'm going to automate this and do this and every

875
00:39:24,239 --> 00:39:26,840
Speaker 5: single week I'm going to transfer this to this like.

876
00:39:27,080 --> 00:39:30,240
Speaker 5: It wasn't until then that I actually started getting quote

877
00:39:30,480 --> 00:39:32,600
Speaker 5: good at money, right right.

878
00:39:32,800 --> 00:39:34,920
Speaker 4: That was after I realized that just being out of

879
00:39:34,960 --> 00:39:37,240
Speaker 4: debt didn't make me good at money, which was annoying.

880
00:39:37,719 --> 00:39:41,200
Speaker 4: Oh yeah, that's a really was like I got out

881
00:39:41,200 --> 00:39:43,920
Speaker 4: of debt though, Yeah, you shouldn't be done now, like

882
00:39:43,960 --> 00:39:47,360
Speaker 4: this is here, We're done, I should be rich exactly exactly.

883
00:39:48,200 --> 00:39:51,560
Speaker 4: So you've seen so many people's finance up close, Yes, Lucky,

884
00:39:51,880 --> 00:39:55,960
Speaker 4: what's one thing that all financially successful people seem to

885
00:39:55,960 --> 00:39:56,560
Speaker 4: do differently?

886
00:39:56,920 --> 00:39:59,880
Speaker 5: Financially successful like we're talking about do you want to

887
00:39:59,920 --> 00:40:01,839
Speaker 5: know about like the rich people? Is that what you're

888
00:40:01,880 --> 00:40:03,799
Speaker 5: talking about? Are you just talking about people who are

889
00:40:03,840 --> 00:40:06,040
Speaker 5: just like good at managing money? We can talk about both.

890
00:40:06,120 --> 00:40:08,239
Speaker 4: I think it's really just people that are good at

891
00:40:08,320 --> 00:40:11,360
Speaker 4: managing finances and they're just like comfortably wealthy I'm not

892
00:40:11,440 --> 00:40:12,319
Speaker 4: too fussed on them.

893
00:40:12,480 --> 00:40:15,799
Speaker 5: Yeah, so comfortably wealthy. And I've had the privilege of

894
00:40:15,800 --> 00:40:19,279
Speaker 5: working with some incredibly wealthy people like I have. I

895
00:40:19,360 --> 00:40:21,400
Speaker 5: used to work in the ultra high net wealth space,

896
00:40:21,480 --> 00:40:23,719
Speaker 5: so minimum of ten million dollars investable.

897
00:40:24,120 --> 00:40:26,240
Speaker 1: And I have had two.

898
00:40:26,080 --> 00:40:28,960
Speaker 5: Clients in my time who have been billionaires, and so

899
00:40:29,400 --> 00:40:33,080
Speaker 5: have I experienced wealth. Yes, I think that's a lot

900
00:40:33,080 --> 00:40:35,160
Speaker 5: of the reason why I just don't. I don't want that.

901
00:40:35,960 --> 00:40:38,200
Speaker 5: I don't want to be a billionaire. But what they

902
00:40:38,239 --> 00:40:41,440
Speaker 5: have in common is they pay themselves first.

903
00:40:41,840 --> 00:40:42,080
Speaker 4: Yep.

904
00:40:42,360 --> 00:40:43,520
Speaker 1: So they are.

905
00:40:43,719 --> 00:40:46,400
Speaker 5: Creating a plan, and they're not all doing this in

906
00:40:46,480 --> 00:40:48,919
Speaker 5: exactly the same way, but in a roundabout way they're

907
00:40:48,920 --> 00:40:51,680
Speaker 5: doing this. They are you know, going okay, cool, like

908
00:40:51,760 --> 00:40:54,600
Speaker 5: I need to said, like I need to put money

909
00:40:54,640 --> 00:40:56,760
Speaker 5: aside for rent, I need to put money aside for bills.

910
00:40:56,840 --> 00:40:57,040
Speaker 5: You know.

911
00:40:57,080 --> 00:40:59,359
Speaker 4: They're talking about their savings just as like a bill,

912
00:40:59,640 --> 00:41:01,560
Speaker 4: like they just go and savings we have to put

913
00:41:01,560 --> 00:41:03,400
Speaker 4: a side X. Like they don't really think about it

914
00:41:03,440 --> 00:41:05,960
Speaker 4: in the same way that I was hystorically thinking about it,

915
00:41:06,000 --> 00:41:07,680
Speaker 4: because in my head, savings is just money I put

916
00:41:07,680 --> 00:41:10,600
Speaker 4: aside for other stuff I want exactly exactly or it's optional.

917
00:41:10,760 --> 00:41:13,719
Speaker 5: Yeah, it's optional. No, they don't see it as optional.

918
00:41:13,840 --> 00:41:16,920
Speaker 5: That's just part of this system. And then they can

919
00:41:16,960 --> 00:41:20,239
Speaker 5: play with whatever's left. But it was always or whatever's left.

920
00:41:20,320 --> 00:41:24,719
Speaker 5: And that system, I would say works for the billionaires

921
00:41:25,520 --> 00:41:28,439
Speaker 5: and the people who have so much money they don't

922
00:41:28,440 --> 00:41:30,400
Speaker 5: know what to do with it. But also it was

923
00:41:30,440 --> 00:41:33,239
Speaker 5: working for like my housemate who had savings at UNI

924
00:41:33,360 --> 00:41:35,400
Speaker 5: and we were on the same system. She was just

925
00:41:35,440 --> 00:41:38,960
Speaker 5: like automating it and putting the money aside and pretending

926
00:41:39,040 --> 00:41:42,000
Speaker 5: it wasn't there. And I just didn't comprehend that that

927
00:41:42,120 --> 00:41:45,520
Speaker 5: was an option. And I also doing think with my impulsivity,

928
00:41:45,680 --> 00:41:51,960
Speaker 5: I had the ability to see savings as not accessible. Yes, yes,

929
00:41:52,000 --> 00:41:53,960
Speaker 5: so you're like, yeah, but I want it, And in

930
00:41:54,000 --> 00:41:56,600
Speaker 5: my head I can see that and that's going to

931
00:41:56,680 --> 00:41:58,320
Speaker 5: get me the thing that I want.

932
00:41:58,400 --> 00:41:59,959
Speaker 1: Yeah, and I'm not really.

933
00:42:00,400 --> 00:42:03,360
Speaker 5: Yeah, that's money for myself exactly, and you've kind of

934
00:42:03,360 --> 00:42:05,680
Speaker 5: got blinkers on about what the bigger picture looks like.

935
00:42:05,760 --> 00:42:06,120
Speaker 4: Yeah.

936
00:42:06,160 --> 00:42:08,880
Speaker 5: And so for me, getting serious about money meant I

937
00:42:08,880 --> 00:42:11,640
Speaker 5: had to create a plan that worked with my impulsivity,

938
00:42:11,640 --> 00:42:14,640
Speaker 5: and that was about automation and you know, having two

939
00:42:14,680 --> 00:42:17,080
Speaker 5: separate banks, not just two separate bank accounts, but my

940
00:42:17,239 --> 00:42:19,440
Speaker 5: savings went to a different bank, So when I logged

941
00:42:19,480 --> 00:42:22,680
Speaker 5: in to see my everyday spending account, I couldn't see

942
00:42:22,680 --> 00:42:24,640
Speaker 5: my savings account because sometimes I would see it and

943
00:42:24,719 --> 00:42:27,719
Speaker 5: be like ooh, opportunities like do you know what I mean?

944
00:42:27,760 --> 00:42:30,600
Speaker 5: Like I just needed to not be able to see it,

945
00:42:31,040 --> 00:42:33,520
Speaker 5: and that helped. But there's like, yeah, I would say

946
00:42:33,520 --> 00:42:36,040
Speaker 5: that they're paying themselves first, So whether that is a

947
00:42:36,040 --> 00:42:38,759
Speaker 5: business owner and they're just like making sure everything is

948
00:42:39,120 --> 00:42:42,000
Speaker 5: going really smoothly and they are investing in their business

949
00:42:42,040 --> 00:42:45,360
Speaker 5: before they're paying themselves, or if it's you know, my

950
00:42:45,440 --> 00:42:49,240
Speaker 5: old housemate who you know would just act like savings

951
00:42:49,280 --> 00:42:52,160
Speaker 5: were just part and parcel of her bill system. That

952
00:42:52,239 --> 00:42:54,680
Speaker 5: to me was a revolutionary Yeah, And now looking back,

953
00:42:54,680 --> 00:42:58,120
Speaker 5: I'm like, they all have this ability to put their

954
00:42:58,160 --> 00:43:02,080
Speaker 5: money in a system that works for them as opposed

955
00:43:02,160 --> 00:43:04,399
Speaker 5: to you know, money came into my accountant. I see

956
00:43:04,400 --> 00:43:06,839
Speaker 5: a lot of myself in you, because like I think

957
00:43:06,880 --> 00:43:10,120
Speaker 5: you and I are on the same page about you know,

958
00:43:10,160 --> 00:43:12,239
Speaker 5: we're at different points in our journey. But like you

959
00:43:12,280 --> 00:43:14,560
Speaker 5: say things and I'm like I get it back, yeah,

960
00:43:14,560 --> 00:43:17,520
Speaker 5: because that's me, like or it was me or you know,

961
00:43:17,680 --> 00:43:20,439
Speaker 5: I said before, like a lot of my I would

962
00:43:20,480 --> 00:43:22,800
Speaker 5: say a lot of my success. But I'm very grateful

963
00:43:22,840 --> 00:43:26,000
Speaker 5: to have a high income now because I still am

964
00:43:26,040 --> 00:43:28,040
Speaker 5: a little bit impulsive and I think that that could

965
00:43:28,120 --> 00:43:29,879
Speaker 5: maybe get me in a little bit of trouble, which

966
00:43:29,920 --> 00:43:31,840
Speaker 5: is why I try so hard to have such a

967
00:43:31,880 --> 00:43:34,880
Speaker 5: strict system, Like I do have a certain amount that

968
00:43:34,960 --> 00:43:37,880
Speaker 5: I pay myself every single week that I know I

969
00:43:37,920 --> 00:43:41,120
Speaker 5: can quote play with because if I don't have that,

970
00:43:42,239 --> 00:43:44,839
Speaker 5: go I'm going in our savings. I'll say sorry later,

971
00:43:45,480 --> 00:43:48,040
Speaker 5: like exactly, I just I need to have a system.

972
00:43:48,160 --> 00:43:50,239
Speaker 4: Yeah, you can always put double savings next time.

973
00:43:50,480 --> 00:43:53,759
Speaker 5: Well, when we tell ourselves that, oh yeah, I've never

974
00:43:53,920 --> 00:43:56,040
Speaker 5: actually done that, it's no same.

975
00:43:56,480 --> 00:43:57,440
Speaker 4: But I thing happened.

976
00:43:57,600 --> 00:43:59,759
Speaker 5: We should talk about that too, because it's just so hard,

977
00:43:59,840 --> 00:44:02,680
Speaker 5: Like money is hard. It's not easy, and even though

978
00:44:02,719 --> 00:44:05,719
Speaker 5: we've got more of it, like it just becomes more complex.

979
00:44:05,360 --> 00:44:07,759
Speaker 7: Like yeah, and it's getting harder the cost of Oh,

980
00:44:07,800 --> 00:44:10,879
Speaker 7: don't even start being like that's a story for another time,

981
00:44:10,920 --> 00:44:14,640
Speaker 7: it is, OKAYVD last question, looking back at everything you've learned,

982
00:44:14,880 --> 00:44:17,680
Speaker 7: what's one change or decision you've made with money that

983
00:44:17,880 --> 00:44:19,680
Speaker 7: has had the biggest impact on your life.

984
00:44:19,719 --> 00:44:25,640
Speaker 4: Mindset, mindsetskay, mindset, But changing the way I viewed money

985
00:44:25,719 --> 00:44:29,280
Speaker 4: changed everything. Like it wasn't a system or a process

986
00:44:29,360 --> 00:44:32,200
Speaker 4: or a budgeting app like I feel like so many people,

987
00:44:32,960 --> 00:44:35,520
Speaker 4: and I love it because you will want change, right,

988
00:44:35,600 --> 00:44:37,440
Speaker 4: Like when people are reaching out to me and they say, fore.

989
00:44:37,440 --> 00:44:38,560
Speaker 1: You, what's your favorite budgeting app?

990
00:44:38,600 --> 00:44:40,880
Speaker 5: I need to get my stuff together, It's like, that's

991
00:44:40,920 --> 00:44:44,760
Speaker 5: not what you need. What you need is a mindset shift.

992
00:44:44,800 --> 00:44:47,359
Speaker 5: You need to see money as a tool, Like we

993
00:44:47,400 --> 00:44:49,920
Speaker 5: need to take emotion out of money, because like I

994
00:44:50,120 --> 00:44:54,000
Speaker 5: was so covered in shame about my money, and you

995
00:44:54,040 --> 00:44:57,560
Speaker 5: know I would literally I can't remember anybody actually asking me,

996
00:44:57,640 --> 00:44:59,560
Speaker 5: are you in debt? But I just know I would

997
00:44:59,560 --> 00:45:01,960
Speaker 5: have lied to you, like you know what I mean.

998
00:45:02,040 --> 00:45:06,000
Speaker 5: That sounds terrible, but it's true. And I think it

999
00:45:06,040 --> 00:45:08,319
Speaker 5: was just changing this mindset around money is just a

1000
00:45:08,360 --> 00:45:14,080
Speaker 5: tool and giving myself permission to just accept that, and

1001
00:45:14,840 --> 00:45:17,560
Speaker 5: you know, changing this idea that I was bad at money,

1002
00:45:17,560 --> 00:45:19,600
Speaker 5: because I wasn't bad at money. I just spent more

1003
00:45:19,640 --> 00:45:22,080
Speaker 5: than I Doarn't that was it. I just spent more

1004
00:45:22,080 --> 00:45:24,000
Speaker 5: money than I had earned. And I needed to fix

1005
00:45:24,080 --> 00:45:27,319
Speaker 5: that and get into a better state of equilibrium and

1006
00:45:27,400 --> 00:45:31,000
Speaker 5: I needed to put myself ahead, and the way to

1007
00:45:31,040 --> 00:45:32,640
Speaker 5: do that was to just see it as a tool.

1008
00:45:32,880 --> 00:45:34,839
Speaker 5: And it's so hard to see money as a tool

1009
00:45:34,840 --> 00:45:38,040
Speaker 5: because it is inherently emotional. And I think that's where

1010
00:45:38,120 --> 00:45:41,240
Speaker 5: a lot of you know, I was able to fix

1011
00:45:41,360 --> 00:45:44,680
Speaker 5: or change my money story because it was a marriage

1012
00:45:44,680 --> 00:45:50,600
Speaker 5: of finance habits and psychology and just through luck and

1013
00:45:50,719 --> 00:45:54,399
Speaker 5: through my experience. I had the psychology background, and then

1014
00:45:54,440 --> 00:45:57,360
Speaker 5: I also was learning about these money things and realizing

1015
00:45:57,400 --> 00:46:00,360
Speaker 5: that if I didn't change my approach, it isn't going

1016
00:46:00,440 --> 00:46:03,160
Speaker 5: to happen. So I think, yeah, for me, it's all

1017
00:46:03,200 --> 00:46:05,840
Speaker 5: about mindset. And I can't say, oh, this is the

1018
00:46:05,880 --> 00:46:09,640
Speaker 5: right mindset, because there's no right money mindset, but being

1019
00:46:09,640 --> 00:46:12,080
Speaker 5: able to understand where I came from, why my money

1020
00:46:12,080 --> 00:46:14,920
Speaker 5: story was my money story, what I felt about money,

1021
00:46:14,920 --> 00:46:16,240
Speaker 5: why did it make me feel icky?

1022
00:46:16,480 --> 00:46:16,600
Speaker 2: Like?

1023
00:46:16,840 --> 00:46:19,120
Speaker 5: How did all of that work? Understanding that, and then

1024
00:46:19,200 --> 00:46:21,239
Speaker 5: also going okay, cool, it's just a tool. How am

1025
00:46:21,280 --> 00:46:23,520
Speaker 5: I using this? How am I making every single dollar

1026
00:46:23,719 --> 00:46:26,200
Speaker 5: that comes into my account work for me? And now

1027
00:46:26,239 --> 00:46:30,040
Speaker 5: that looks so different Right now, I'm you know, at

1028
00:46:30,280 --> 00:46:33,600
Speaker 5: a more progressed like baby Victoria. I would never have

1029
00:46:33,680 --> 00:46:35,800
Speaker 5: seen this coming, but like me talking to my husband

1030
00:46:35,840 --> 00:46:38,279
Speaker 5: and about, Okay, well what was our like rate on

1031
00:46:38,400 --> 00:46:39,200
Speaker 5: our offset?

1032
00:46:39,239 --> 00:46:39,879
Speaker 1: What did that look?

1033
00:46:39,960 --> 00:46:40,040
Speaker 4: Like?

1034
00:46:40,080 --> 00:46:42,160
Speaker 5: Okay, cool, We're going to put everything in that offset

1035
00:46:42,200 --> 00:46:44,080
Speaker 5: and like move it to here to do this, and

1036
00:46:44,120 --> 00:46:47,200
Speaker 5: like we're talking about investments and like that's just not

1037
00:46:47,360 --> 00:46:49,600
Speaker 5: how I thought my life would be. But all of

1038
00:46:49,640 --> 00:46:53,839
Speaker 5: that starts with like small money management. It starts with

1039
00:46:53,880 --> 00:46:56,560
Speaker 5: having a budget, It starts with having a cash flow.

1040
00:46:56,640 --> 00:46:59,880
Speaker 5: It starts with yeah, small steps in the right direction.

1041
00:47:00,200 --> 00:47:03,120
Speaker 4: I love that, Vie. You've really motivated me because I'm like,

1042
00:47:03,160 --> 00:47:05,880
Speaker 4: it's so nice. I think if you're kind of like

1043
00:47:06,000 --> 00:47:08,440
Speaker 4: me and you have never really had money and you

1044
00:47:08,440 --> 00:47:10,319
Speaker 4: still don't really know how to manage money, you're still

1045
00:47:10,360 --> 00:47:13,279
Speaker 4: kind of like perpetually broke, it seems. And then you

1046
00:47:13,360 --> 00:47:15,359
Speaker 4: hear other people through and you're like, oh, you're not

1047
00:47:15,760 --> 00:47:18,959
Speaker 4: that different. It's like, okay, we're I'm not like trying

1048
00:47:18,960 --> 00:47:21,480
Speaker 4: to achieve something that's completely impossible for someone that.

1049
00:47:21,520 --> 00:47:24,520
Speaker 5: No, like I own differently, yeah, no, and I steal

1050
00:47:24,560 --> 00:47:26,680
Speaker 5: something like impulsivity.

1051
00:47:26,320 --> 00:47:27,560
Speaker 1: I struggle with still.

1052
00:47:27,680 --> 00:47:30,120
Speaker 5: Yeah, like at the end of the day, like, yes,

1053
00:47:30,200 --> 00:47:32,600
Speaker 5: I have more money, Yes I have a successful business.

1054
00:47:32,640 --> 00:47:34,200
Speaker 1: And I'm not saying that that was luck.

1055
00:47:34,360 --> 00:47:36,160
Speaker 5: Like I have worked so hard and I still work

1056
00:47:36,239 --> 00:47:39,719
Speaker 5: so hard, and it says struggle every day. Not just

1057
00:47:39,960 --> 00:47:44,520
Speaker 5: financially because like comfortable financially now, but just like running

1058
00:47:44,520 --> 00:47:47,200
Speaker 5: a business, like I'm running three of them, Like what

1059
00:47:47,239 --> 00:47:47,520
Speaker 5: are you.

1060
00:47:47,480 --> 00:47:49,280
Speaker 1: Doing, Victoria? That's crazy talk.

1061
00:47:49,360 --> 00:47:52,720
Speaker 5: But I think when it comes to the finance side

1062
00:47:52,760 --> 00:47:55,600
Speaker 5: of it, I think a lot of people just assume, oh, yeah,

1063
00:47:55,640 --> 00:47:56,920
Speaker 5: she must be really rich.

1064
00:47:56,800 --> 00:47:59,280
Speaker 1: Now, she must have like lots and lots of income.

1065
00:48:00,320 --> 00:48:04,719
Speaker 5: I'm comfortable for sure, but most of the business stuff

1066
00:48:05,200 --> 00:48:08,800
Speaker 5: goes back into the business. Like, yes, I have a

1067
00:48:08,880 --> 00:48:12,520
Speaker 5: higher income, but I'm not living in like a six

1068
00:48:12,520 --> 00:48:14,560
Speaker 5: million dollar property, like I'm not, do you know what

1069
00:48:14,560 --> 00:48:14,879
Speaker 5: I mean?

1070
00:48:14,960 --> 00:48:19,480
Speaker 1: Like, I'm not I'm not Richard Branson. I still am

1071
00:48:19,520 --> 00:48:21,080
Speaker 1: doing a budget with my husband. Guys.

1072
00:48:21,680 --> 00:48:25,839
Speaker 4: Yeah, yeah, that's so comforting to know. Okay, I feel

1073
00:48:25,840 --> 00:48:26,680
Speaker 4: like it's all we got time for.

1074
00:48:26,760 --> 00:48:30,440
Speaker 5: Unfortunately, I'm kind of glad because I feel emotionally hungover.

1075
00:48:30,800 --> 00:48:34,320
Speaker 4: Yeah, oh spent, Absolutely, we are done. I think the

1076
00:48:34,320 --> 00:48:36,359
Speaker 4: biggest takeaway here is that no one is born good

1077
00:48:36,400 --> 00:48:38,719
Speaker 4: with money. So if you're listening to this and thinking, god,

1078
00:48:38,840 --> 00:48:41,560
Speaker 4: I'm so far behind. Just know that even Victoria Devine

1079
00:48:41,719 --> 00:48:43,680
Speaker 4: once had no idea what she was doing. And I

1080
00:48:43,680 --> 00:48:46,040
Speaker 4: think for anyone listening who feels stuck, this is such

1081
00:48:46,040 --> 00:48:48,120
Speaker 4: a good reminder that you don't have to get everything

1082
00:48:48,200 --> 00:48:50,480
Speaker 4: right straight away, you just have to start.

1083
00:48:50,719 --> 00:48:51,279
Speaker 1: I love this.

1084
00:48:51,400 --> 00:48:53,600
Speaker 5: I feel like this has been really fun and if

1085
00:48:53,640 --> 00:48:56,160
Speaker 5: there are questions off the back of this episode, maybe

1086
00:48:56,160 --> 00:48:56,600
Speaker 5: we can.

1087
00:48:56,480 --> 00:48:58,840
Speaker 1: Do another one. I don't know how that's fall, but

1088
00:48:58,880 --> 00:48:59,600
Speaker 1: we can see.

1089
00:49:00,080 --> 00:49:03,600
Speaker 5: But I think a lot of the conversation around money

1090
00:49:03,719 --> 00:49:07,160
Speaker 5: is inherently emotional. Like you can listen to six million

1091
00:49:07,160 --> 00:49:09,720
Speaker 5: episodes on what the best ETFs are, and that's good

1092
00:49:09,880 --> 00:49:11,840
Speaker 5: for if you're picking an ETF, but if you're just

1093
00:49:11,840 --> 00:49:15,040
Speaker 5: struggling to get started, like sometimes you just want to

1094
00:49:15,040 --> 00:49:18,960
Speaker 5: hear that other people have been in your shoes. And

1095
00:49:19,239 --> 00:49:21,719
Speaker 5: I really don't like the idea that people would just

1096
00:49:21,760 --> 00:49:25,120
Speaker 5: see me as being like high and mighty and oh well,

1097
00:49:25,200 --> 00:49:28,160
Speaker 5: she won't get it, Like, girl, I've been there, and

1098
00:49:28,200 --> 00:49:30,680
Speaker 5: I'm working my butt off to make sure I'm never

1099
00:49:30,719 --> 00:49:32,760
Speaker 5: back there again, because it's not a nice.

1100
00:49:32,600 --> 00:49:35,480
Speaker 4: Feeling, absolutely, But all in not, just be kind to yourself.

1101
00:49:35,520 --> 00:49:38,000
Speaker 4: Some people are really really not even in a position

1102
00:49:38,040 --> 00:49:40,080
Speaker 4: where they can even start saving right now, they're probably

1103
00:49:40,080 --> 00:49:41,040
Speaker 4: in the negative.

1104
00:49:40,719 --> 00:49:43,400
Speaker 5: So exactly, and that's okay. But it's not a reflection

1105
00:49:43,480 --> 00:49:45,640
Speaker 5: of who you are or how good you are as

1106
00:49:45,680 --> 00:49:47,520
Speaker 5: a person. It just means that you're spending more than

1107
00:49:47,520 --> 00:49:49,480
Speaker 5: your earning. And do you know what some people are

1108
00:49:49,520 --> 00:49:52,080
Speaker 5: forced into that right now? Oh yeah, like that's not

1109
00:49:52,120 --> 00:49:55,360
Speaker 5: their fault, absolutely, but that doesn't mean they can't understand

1110
00:49:55,400 --> 00:49:58,000
Speaker 5: budgeting and cash flow out what they want it to

1111
00:49:58,040 --> 00:49:59,400
Speaker 5: look like one day exactly.

1112
00:49:59,400 --> 00:50:01,880
Speaker 1: In the meantime, just be learning, okay.

1113
00:50:02,040 --> 00:50:04,160
Speaker 4: And of course, if you're loving the pod, make sure

1114
00:50:04,200 --> 00:50:06,919
Speaker 4: you're subscribed, leave us a review, do all the good

1115
00:50:06,920 --> 00:50:09,239
Speaker 4: things you know, the drill V thank you so much

1116
00:50:09,239 --> 00:50:11,760
Speaker 4: for letting me grill you today. I feel like we're.

1117
00:50:11,640 --> 00:50:13,400
Speaker 1: Thanks for grilling me and being kind.

1118
00:50:13,719 --> 00:50:15,680
Speaker 4: Oh of course, I feel like we're going to have

1119
00:50:15,719 --> 00:50:17,560
Speaker 4: to do a whole other episode just and how you

1120
00:50:17,560 --> 00:50:19,000
Speaker 4: actually got out of debt, because that would be a

1121
00:50:19,040 --> 00:50:19,879
Speaker 4: juicy one. Yeah.

1122
00:50:19,920 --> 00:50:21,520
Speaker 5: I feel like I need to put a plan together,

1123
00:50:21,760 --> 00:50:24,000
Speaker 5: so let's work on that, and guys, we will see

1124
00:50:24,080 --> 00:50:26,520
Speaker 5: you on Friday for Friday drinks.

1125
00:50:26,600 --> 00:50:32,920
Speaker 4: See then bye?

1126
00:50:33,920 --> 00:50:36,440
Speaker 6: Did buy shared on She's on the Money is general

1127
00:50:36,520 --> 00:50:40,359
Speaker 6: in nature and does not consider your individual circumstances. She's

1128
00:50:40,400 --> 00:50:43,880
Speaker 6: on the Money exists purely for educational purposes and should

1129
00:50:43,920 --> 00:50:47,080
Speaker 6: not be relied upon to make an investment or financial decision.

1130
00:50:47,480 --> 00:50:49,919
Speaker 6: If you do choose to buy a financial product, read

1131
00:50:49,920 --> 00:50:53,640
Speaker 6: the PDS TMD and obtain appropriate financial advice.

1132
00:50:53,320 --> 00:50:54,640
Speaker 1: Tailored towards your needs.

1133
00:50:55,000 --> 00:50:58,960
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

1134
00:50:59,000 --> 00:51:01,080
Speaker 6: of money showper p T T y L t D

1135
00:51:01,280 --> 00:51:04,400
Speaker 6: A b N three two one six four nine two seven,

1136
00:51:04,480 --> 00:51:07,359
Speaker 6: seven zero eight a F s L four five one

1137
00:51:07,560 --> 00:51:09,040
Speaker 6: two eight nine