1
00:00:00,200 --> 00:00:09,080
Speaker 1: She's on the Money. She's on the Money.

2
00:00:13,800 --> 00:00:17,200
Speaker 2: Hello, and welcome to She's on the Money, the podcast

3
00:00:17,239 --> 00:00:20,520
Speaker 2: for millennials who want financial freedom. This is one of

4
00:00:20,560 --> 00:00:24,240
Speaker 2: our money Diary episodes, and as always, from now onwards,

5
00:00:24,320 --> 00:00:27,720
Speaker 2: I'm joined by the beautiful and the radiant Tony Lodge.

6
00:00:27,760 --> 00:00:29,920
Speaker 1: Hello, Tony, Hello, thank you for having me.

7
00:00:30,000 --> 00:00:31,440
Speaker 3: Oh you are so welcome.

8
00:00:32,120 --> 00:00:35,480
Speaker 2: And we have a really interesting money diary today which

9
00:00:35,640 --> 00:00:38,560
Speaker 2: I know nothing about yet. So Tony, can you read

10
00:00:38,640 --> 00:00:40,400
Speaker 2: us the email and we'll get straight into it.

11
00:00:40,440 --> 00:00:43,120
Speaker 1: I am bursting at the seams. This is Are you

12
00:00:43,159 --> 00:00:46,519
Speaker 1: actually well? You've been talking about it literally.

13
00:00:46,120 --> 00:00:48,640
Speaker 3: All day and now I feel like you've worked it up,

14
00:00:48,680 --> 00:00:51,080
Speaker 3: so it better be good. Oh no, no.

15
00:00:51,080 --> 00:00:55,920
Speaker 1: Price, I actually never back anything in. I'm backing this in. Okay,

16
00:00:55,960 --> 00:00:57,360
Speaker 1: that's amazing, baceraream.

17
00:00:57,600 --> 00:00:58,320
Speaker 3: Let's go real.

18
00:00:59,320 --> 00:01:01,200
Speaker 1: Hi, She's on the Money. Gang Gang.

19
00:01:01,360 --> 00:01:02,160
Speaker 3: We are a gang.

20
00:01:02,680 --> 00:01:05,200
Speaker 1: I saw your instapost about wanting to chat with someone

21
00:01:05,280 --> 00:01:09,559
Speaker 1: earning a high salary without a university degree, and that's me. Yes,

22
00:01:10,240 --> 00:01:14,399
Speaker 1: I'm twenty seven from Tazzi and oh, thank my.

23
00:01:14,280 --> 00:01:17,040
Speaker 3: God, Rosta, we're probably a cousin.

24
00:01:17,840 --> 00:01:21,200
Speaker 1: And started working full time three weeks after starting year eleven.

25
00:01:21,319 --> 00:01:24,600
Speaker 1: When I was sixteen. My parents have always owned their

26
00:01:24,600 --> 00:01:27,560
Speaker 1: own businesses and were always fighting about money. They had

27
00:01:27,600 --> 00:01:30,320
Speaker 1: a pretty toxic relationship, and my siblings and I had

28
00:01:30,319 --> 00:01:33,880
Speaker 1: a traumatic upbringing. At eighteen, I started working in a

29
00:01:33,920 --> 00:01:37,800
Speaker 1: sales call center with potential to earn uncapped commissions. I

30
00:01:37,880 --> 00:01:41,440
Speaker 1: worked really hard to earn eighty five K consistently for

31
00:01:41,680 --> 00:01:43,399
Speaker 1: all the years that I worked in the role.

32
00:01:43,840 --> 00:01:45,679
Speaker 3: That is so much money.

33
00:01:45,520 --> 00:01:49,160
Speaker 1: Allowing me to buy my first home at twenty twenty

34
00:01:49,480 --> 00:01:50,760
Speaker 1: twenty Chappy.

35
00:01:50,560 --> 00:01:53,920
Speaker 3: Zero, having not finished year eleven and twelve.

36
00:01:54,080 --> 00:01:56,560
Speaker 1: And escaped from my parents, but also for my siblings

37
00:01:56,560 --> 00:01:57,360
Speaker 1: to escape too.

38
00:01:57,560 --> 00:01:59,960
Speaker 3: I love that. I'm so proud of That's really special.

39
00:02:00,480 --> 00:02:03,520
Speaker 1: I transferred to HR and began my career in recruitment,

40
00:02:03,840 --> 00:02:06,160
Speaker 1: and moving from a call center to a corporate world

41
00:02:06,200 --> 00:02:08,600
Speaker 1: was a big adjustment for me. The majority of the

42
00:02:08,600 --> 00:02:10,560
Speaker 1: people I am now working with all have been to

43
00:02:10,639 --> 00:02:11,600
Speaker 1: Union have degrees.

44
00:02:12,200 --> 00:02:14,000
Speaker 3: I've struggled that UNI people.

45
00:02:14,720 --> 00:02:17,760
Speaker 1: I've struggled with imposter syndrome quite a bit, often feeling

46
00:02:17,760 --> 00:02:20,000
Speaker 1: like I'm not smart enough or even proven. I deserve

47
00:02:20,000 --> 00:02:20,880
Speaker 1: a seat at the table.

48
00:02:21,040 --> 00:02:23,200
Speaker 2: Oh no, you deserve a seat. And if you don't

49
00:02:23,200 --> 00:02:24,720
Speaker 2: think that, there's a seat for you at the table.

50
00:02:24,760 --> 00:02:27,720
Speaker 2: Go get a chair and just drag it up. I've

51
00:02:27,760 --> 00:02:30,960
Speaker 2: just like scratch it along the hardwood floors so everybody

52
00:02:31,000 --> 00:02:32,160
Speaker 2: notices you on the way.

53
00:02:32,639 --> 00:02:35,280
Speaker 1: Luckily for me, I have an incredibly supportive manager who

54
00:02:35,320 --> 00:02:37,440
Speaker 1: believes in me, and she reminds me that a piece

55
00:02:37,440 --> 00:02:39,600
Speaker 1: of paper doesn't prove my worth or value.

56
00:02:39,760 --> 00:02:40,919
Speaker 3: Absolutely it does not.

57
00:02:41,600 --> 00:02:44,920
Speaker 1: Fast forward three years and I'm absolutely loving my career choices.

58
00:02:45,120 --> 00:02:47,600
Speaker 1: Between my partner and I. We currently have two houses

59
00:02:47,600 --> 00:02:49,960
Speaker 1: and a block of land. Oh, oh my gosh. We

60
00:02:50,000 --> 00:02:52,560
Speaker 1: are saving to build our next house and getting married

61
00:02:52,560 --> 00:02:53,760
Speaker 1: in feb twenty twenty two.

62
00:02:54,240 --> 00:02:56,480
Speaker 3: Oh my gosh, so sweet. I'm gonna ask her about

63
00:02:56,520 --> 00:02:56,799
Speaker 3: a ring.

64
00:02:57,720 --> 00:02:59,680
Speaker 1: Not bad for a kid from a rural town that

65
00:02:59,760 --> 00:03:01,079
Speaker 1: only finished grade ten.

66
00:03:01,320 --> 00:03:04,160
Speaker 2: I love that for her. Let's get her on the phone, Tony,

67
00:03:04,200 --> 00:03:05,320
Speaker 2: do you want to give her a buzz?

68
00:03:06,639 --> 00:03:07,800
Speaker 1: Hello, money Diarist?

69
00:03:08,080 --> 00:03:10,280
Speaker 3: Are you ready to talk about your money diary?

70
00:03:11,520 --> 00:03:11,800
Speaker 4: Yes?

71
00:03:11,919 --> 00:03:12,240
Speaker 3: I am.

72
00:03:12,320 --> 00:03:14,400
Speaker 4: Thank you so much for having me so exciting.

73
00:03:14,520 --> 00:03:17,280
Speaker 2: Oh my gosh, you've only finished year ten. I cannot

74
00:03:17,320 --> 00:03:19,679
Speaker 2: wait to have a chat with you. But in traditional

75
00:03:19,840 --> 00:03:21,880
Speaker 2: she's on the money form. We're going to go through

76
00:03:21,919 --> 00:03:24,400
Speaker 2: our structured questions and then we'll get to lots of

77
00:03:24,480 --> 00:03:28,519
Speaker 2: questions at the back end of the interview. Are you ready, yes,

78
00:03:28,720 --> 00:03:31,280
Speaker 2: bring it on, awesome. Could you explain to us what

79
00:03:31,320 --> 00:03:32,800
Speaker 2: your attitude to money is.

80
00:03:34,880 --> 00:03:37,360
Speaker 4: Sorry, I've had a think about this and I think

81
00:03:37,360 --> 00:03:39,720
Speaker 4: it's see a bit of an evolution. So, as I said,

82
00:03:39,760 --> 00:03:42,160
Speaker 4: my parents are always own their ownsiness. They were arguing

83
00:03:42,280 --> 00:03:45,600
Speaker 4: all the time, and that was mostly about money. They

84
00:03:45,600 --> 00:03:49,000
Speaker 4: didn't really teach my siblings and I very good money

85
00:03:49,040 --> 00:03:52,400
Speaker 4: habits or the value of money. All I knew was

86
00:03:52,480 --> 00:03:54,520
Speaker 4: I didn't want to be like them, but I just

87
00:03:54,560 --> 00:03:57,440
Speaker 4: didn't know how. So when I bought my house and

88
00:03:57,520 --> 00:04:00,440
Speaker 4: moved out of Holland, it was a battup adjustment to

89
00:04:00,520 --> 00:04:02,880
Speaker 4: learn how to save and budget for myself, and I

90
00:04:02,960 --> 00:04:05,400
Speaker 4: quickly realized it's not something that you automatically good at.

91
00:04:06,760 --> 00:04:11,240
Speaker 4: So I just learned from books and friends and podcasts

92
00:04:11,280 --> 00:04:14,920
Speaker 4: and trial and error. But today I'm feeling really confident

93
00:04:15,160 --> 00:04:18,120
Speaker 4: with my approach to money. I've got a color coded

94
00:04:18,360 --> 00:04:21,240
Speaker 4: spreadsheets because that's got my budget on it. I've clearly

95
00:04:21,279 --> 00:04:24,560
Speaker 4: defined bank accounts all my savings, So I feel like

96
00:04:24,600 --> 00:04:27,640
Speaker 4: I'm in a really good place with my attitude towards money.

97
00:04:27,760 --> 00:04:31,520
Speaker 3: I feel like you are too. That's so exciting. All right,

98
00:04:31,680 --> 00:04:33,880
Speaker 3: what do you do for work and how much money

99
00:04:33,880 --> 00:04:34,400
Speaker 3: do you earn?

100
00:04:35,200 --> 00:04:38,000
Speaker 4: So I work in recruitment and I currently earn just

101
00:04:38,080 --> 00:04:41,240
Speaker 4: over ninety thousand dollars a year plus tou so what

102
00:04:41,320 --> 00:04:44,080
Speaker 4: comes into my bank account every fortnight is just over

103
00:04:44,240 --> 00:04:45,640
Speaker 4: two six hundred dollars.

104
00:04:45,920 --> 00:04:46,720
Speaker 3: That is epic.

105
00:04:46,839 --> 00:04:48,159
Speaker 1: Oh my gosh.

106
00:04:48,320 --> 00:04:51,080
Speaker 3: Without it's not bad. What do you mean not bad?

107
00:04:51,160 --> 00:04:52,080
Speaker 1: That's great.

108
00:04:52,520 --> 00:04:53,960
Speaker 3: That is such good money.

109
00:04:54,000 --> 00:04:56,880
Speaker 2: And the fact that you're saving and investing, like, oh,

110
00:04:57,320 --> 00:05:00,160
Speaker 2: I'm so excited about this money diary. All right, So

111
00:05:00,480 --> 00:05:03,760
Speaker 2: you obviously have some property already, but what is currently

112
00:05:03,800 --> 00:05:04,960
Speaker 2: your big money goal.

113
00:05:06,160 --> 00:05:08,559
Speaker 4: Yeah, So, like I said in the email, we're getting

114
00:05:08,560 --> 00:05:11,440
Speaker 4: married in February, so we've got kind of a short

115
00:05:11,520 --> 00:05:14,680
Speaker 4: term money goal of saving for that. I don't want

116
00:05:14,680 --> 00:05:16,719
Speaker 4: to put any of that on credit cards or any loans.

117
00:05:16,760 --> 00:05:20,440
Speaker 4: You want to pay start in cash, and then long term,

118
00:05:20,640 --> 00:05:22,839
Speaker 4: we're saving to build a house on the block that

119
00:05:22,880 --> 00:05:24,960
Speaker 4: we bought earlier this year, so that's probably three to

120
00:05:25,000 --> 00:05:26,520
Speaker 4: five years in the future, but we want to be

121
00:05:26,520 --> 00:05:28,920
Speaker 4: able to pay for most of that with cash as well.

122
00:05:29,160 --> 00:05:31,400
Speaker 1: Oh my gosh, that's so amazing.

123
00:05:31,640 --> 00:05:32,719
Speaker 3: That is so exciting.

124
00:05:33,400 --> 00:05:35,360
Speaker 2: So we know you have some property, but do you

125
00:05:35,440 --> 00:05:37,240
Speaker 2: have any investments?

126
00:05:38,520 --> 00:05:40,720
Speaker 4: Yeah, so I've got the property. So that's only been

127
00:05:40,720 --> 00:05:44,880
Speaker 4: a rental for about eight months, and maybe about eighteen

128
00:05:44,960 --> 00:05:47,920
Speaker 4: months ago I started investing into spaceship. Just a little

129
00:05:47,920 --> 00:05:50,600
Speaker 4: bit of money every week. Really came to a little

130
00:05:50,600 --> 00:05:54,800
Speaker 4: bit more. But as you say, if you're not ready

131
00:05:54,839 --> 00:05:57,800
Speaker 4: to invest long term, you shouldn't be putting the money

132
00:05:57,800 --> 00:06:00,200
Speaker 4: in for a couple of years. So I'm holding out

133
00:06:00,240 --> 00:06:01,279
Speaker 4: and build a house.

134
00:06:01,320 --> 00:06:04,640
Speaker 3: Oh my gosh, woman after my own heart.

135
00:06:04,720 --> 00:06:07,680
Speaker 1: She's really gone through the Victoria Divine School of Finance,

136
00:06:07,760 --> 00:06:08,479
Speaker 1: that's for sure.

137
00:06:08,960 --> 00:06:10,960
Speaker 3: I would not be there if that existed.

138
00:06:11,360 --> 00:06:13,000
Speaker 2: Can you imagine if there was a thing called the

139
00:06:13,080 --> 00:06:14,720
Speaker 2: Victoria Divine School of Finance?

140
00:06:14,760 --> 00:06:16,080
Speaker 1: Should that be our next project?

141
00:06:16,160 --> 00:06:16,320
Speaker 4: Oh?

142
00:06:16,360 --> 00:06:17,440
Speaker 1: I'm here for We're doing it.

143
00:06:17,560 --> 00:06:18,240
Speaker 3: I'm doing it.

144
00:06:18,440 --> 00:06:18,920
Speaker 1: I'm there.

145
00:06:19,279 --> 00:06:20,599
Speaker 3: Is that too egotistical?

146
00:06:20,640 --> 00:06:20,760
Speaker 1: Oh?

147
00:06:20,839 --> 00:06:21,159
Speaker 3: Do you know what?

148
00:06:21,240 --> 00:06:23,039
Speaker 2: I don't even mind now, as long as people are

149
00:06:23,080 --> 00:06:25,440
Speaker 2: saying stuff like this like I'm saving it, I'm investing

150
00:06:25,480 --> 00:06:27,200
Speaker 2: and I've got a plan, like, I don't care.

151
00:06:27,040 --> 00:06:29,840
Speaker 3: How they learn. All right, all right, do you currently

152
00:06:29,920 --> 00:06:31,320
Speaker 3: have any debts?

153
00:06:32,200 --> 00:06:34,839
Speaker 4: So yes, we have the three mortgages, between my partner

154
00:06:34,839 --> 00:06:38,360
Speaker 4: and I. So it's the sum of debt that lear

155
00:06:38,720 --> 00:06:41,479
Speaker 4: is a large amount. It's a bit scary, but we've

156
00:06:41,480 --> 00:06:44,880
Speaker 4: got a really good future plant We've both got really

157
00:06:44,920 --> 00:06:47,640
Speaker 4: good paying jobs, and we have a really good financial

158
00:06:47,640 --> 00:06:52,000
Speaker 4: planner which we both trust and awesome with our situation.

159
00:06:52,480 --> 00:06:55,000
Speaker 3: Oh my gosh, so you've got a financial advisor.

160
00:06:56,000 --> 00:06:57,240
Speaker 4: Yes, yes, we do.

161
00:06:57,600 --> 00:06:59,920
Speaker 2: Awesome, Awesome, And how do you think that that has

162
00:07:00,000 --> 00:07:02,040
Speaker 2: helped your journey?

163
00:07:03,080 --> 00:07:05,560
Speaker 4: It's just go close to clarity, Like it's so great

164
00:07:05,600 --> 00:07:07,839
Speaker 4: listening to your podcast, and I do my own research,

165
00:07:07,920 --> 00:07:11,880
Speaker 4: but I'm not an expert either, So we can reach

166
00:07:11,920 --> 00:07:13,440
Speaker 4: out to him and me with him, and he can

167
00:07:13,440 --> 00:07:16,000
Speaker 4: answer all of our questions, look at our situation and

168
00:07:16,200 --> 00:07:18,080
Speaker 4: give us the best advice to set us up to

169
00:07:18,160 --> 00:07:20,880
Speaker 4: the future. Yes, And the best thing about him is

170
00:07:20,960 --> 00:07:25,320
Speaker 4: he's just so like he doesn't speak finance jargon either,

171
00:07:25,480 --> 00:07:28,760
Speaker 4: Like he really makes it relatable, so we fully understand

172
00:07:28,920 --> 00:07:32,160
Speaker 4: what we're getting ourselves into. And he's been there, like

173
00:07:32,240 --> 00:07:33,920
Speaker 4: I've been working with him for a while now, so

174
00:07:33,960 --> 00:07:38,080
Speaker 4: he knows my full situation. Yeah, we'll continue to work

175
00:07:38,120 --> 00:07:38,480
Speaker 4: with him.

176
00:07:38,640 --> 00:07:42,000
Speaker 3: Maybe you'll have to introduce me to this guy friend.

177
00:07:44,440 --> 00:07:46,920
Speaker 4: Maybe next time tas maybea we can do a little.

178
00:07:47,240 --> 00:07:49,520
Speaker 3: Don't put it past me. I love Tazzie.

179
00:07:49,640 --> 00:07:52,360
Speaker 2: Obviously I grew up there and I get back at

180
00:07:52,400 --> 00:07:58,120
Speaker 2: every possible opportunity. So what is currently your best money habit?

181
00:07:58,720 --> 00:08:01,920
Speaker 4: So I always say my best money habit is like

182
00:08:02,000 --> 00:08:04,800
Speaker 4: the way that I budget and filter my money. It's

183
00:08:04,840 --> 00:08:08,160
Speaker 4: a little bit extra. But I have three different banks

184
00:08:08,200 --> 00:08:11,559
Speaker 4: that kind of have different accounts sism. So one bank

185
00:08:11,880 --> 00:08:15,440
Speaker 4: is mortgages and that's where we say using an offset

186
00:08:15,440 --> 00:08:19,280
Speaker 4: account for our house. Then I've got another bank, which

187
00:08:19,320 --> 00:08:24,240
Speaker 4: is all my important money and so that's where I've

188
00:08:24,280 --> 00:08:29,520
Speaker 4: got my emergency account, my weekly expenses like groceries, petrol,

189
00:08:29,600 --> 00:08:31,880
Speaker 4: that kind of thing. All my money for my fields

190
00:08:32,320 --> 00:08:35,400
Speaker 4: go into that bank. And then I use up banks

191
00:08:35,400 --> 00:08:38,280
Speaker 4: for all my fun spending, so my weekly allowance and

192
00:08:38,360 --> 00:08:40,400
Speaker 4: my splurge account, and that's where we're saving for the

193
00:08:40,400 --> 00:08:41,080
Speaker 4: wedding as well.

194
00:08:41,280 --> 00:08:42,880
Speaker 1: Oh my god, it doesn't sound like you need a

195
00:08:42,920 --> 00:08:46,400
Speaker 1: financial advisor. It sounds like you could be my financial.

196
00:08:48,760 --> 00:08:52,679
Speaker 3: Gosh, I guess. And in on the flip side of that,

197
00:08:52,800 --> 00:08:54,520
Speaker 3: what is your worst money have it?

198
00:08:55,480 --> 00:08:59,839
Speaker 4: So, as most trees on the money listeners, I love food,

199
00:09:00,120 --> 00:09:02,040
Speaker 4: so I do tend to not.

200
00:09:02,000 --> 00:09:04,600
Speaker 1: Just also the host, also the people that work here.

201
00:09:04,720 --> 00:09:06,880
Speaker 3: Also the people that work here. We also love snacks.

202
00:09:07,760 --> 00:09:09,600
Speaker 4: But if I had to say anything else, it would

203
00:09:09,600 --> 00:09:11,680
Speaker 4: be I try to make lists of things that I

204
00:09:11,720 --> 00:09:13,360
Speaker 4: want to buy, so I don't kind of go out

205
00:09:13,400 --> 00:09:16,240
Speaker 4: and buy them willy nilly. But when I start buying one,

206
00:09:16,360 --> 00:09:18,200
Speaker 4: I want to buy them all. So then I end

207
00:09:18,280 --> 00:09:20,520
Speaker 4: up doing that and I completely drain my kind of

208
00:09:20,640 --> 00:09:22,480
Speaker 4: words accounts. So then it takes a few weeks to

209
00:09:22,480 --> 00:09:24,640
Speaker 4: build the seedings back up there. But I tend to

210
00:09:24,679 --> 00:09:26,199
Speaker 4: just keep on repeating that cycle.

211
00:09:26,559 --> 00:09:28,640
Speaker 2: And if I forced you to give yourself a grade,

212
00:09:28,720 --> 00:09:30,640
Speaker 2: what money grade would you give yourself?

213
00:09:31,800 --> 00:09:33,599
Speaker 4: I am going to give myself an A.

214
00:09:34,080 --> 00:09:35,800
Speaker 3: Yes, it's been.

215
00:09:35,679 --> 00:09:37,520
Speaker 1: A while, get back yourself.

216
00:09:37,640 --> 00:09:39,760
Speaker 3: Yes, I love that. I love that.

217
00:09:39,800 --> 00:09:41,520
Speaker 2: I feel like it's been a really long time since

218
00:09:41,520 --> 00:09:43,920
Speaker 2: the money direst has genuinely been like, no, I'm an A.

219
00:09:44,240 --> 00:09:44,880
Speaker 3: I love this.

220
00:09:45,600 --> 00:09:49,480
Speaker 1: Whether they deserve it or not, you definitely deserve an A.

221
00:09:49,600 --> 00:09:52,480
Speaker 1: And they're like, oh no, I'm a B minus.

222
00:09:52,520 --> 00:09:53,800
Speaker 3: I'm not having it anyway.

223
00:09:53,840 --> 00:09:56,199
Speaker 2: I've got so many questions for you, and we'll get

224
00:09:56,240 --> 00:10:03,440
Speaker 2: back to them in just a moment. All right, Money Diarist,

225
00:10:03,640 --> 00:10:06,280
Speaker 2: Thank you so much for sharing those with us. I

226
00:10:06,360 --> 00:10:10,040
Speaker 2: actually have so many questions for you. But my first

227
00:10:10,120 --> 00:10:14,599
Speaker 2: question is how Look, I know that that's probably a

228
00:10:14,640 --> 00:10:17,959
Speaker 2: little bit frank, but you know, having not finished year

229
00:10:17,960 --> 00:10:21,319
Speaker 2: twelve and just finished at year ten and then gone

230
00:10:21,360 --> 00:10:24,800
Speaker 2: on to have this really great salary, The question isn't

231
00:10:24,880 --> 00:10:27,280
Speaker 2: how did you do that? It's how you now so

232
00:10:27,400 --> 00:10:30,320
Speaker 2: good at money management? Like where did you learn that

233
00:10:30,360 --> 00:10:32,960
Speaker 2: you needed all of your bank accounts and you wanted

234
00:10:33,000 --> 00:10:35,280
Speaker 2: to buy a house and you know what that meant

235
00:10:35,280 --> 00:10:37,120
Speaker 2: to then you know, buy a block of land as

236
00:10:37,160 --> 00:10:40,320
Speaker 2: well and transform that into an investment property, Like how

237
00:10:40,320 --> 00:10:42,959
Speaker 2: have you done that at such a young age, having

238
00:10:43,000 --> 00:10:45,120
Speaker 2: come from a background that didn't teach you that.

239
00:10:46,120 --> 00:10:49,240
Speaker 4: Yeah, I think it's just a lot of pent error,

240
00:10:49,360 --> 00:10:52,680
Speaker 4: and you know, looking into though from the looks of it,

241
00:10:54,320 --> 00:10:56,640
Speaker 4: there there's definitely been times where you know, I have

242
00:10:57,280 --> 00:10:59,040
Speaker 4: so I would take pay to paycheck, but I've had

243
00:10:59,160 --> 00:11:02,560
Speaker 4: very real money in life account. But I think it's

244
00:11:02,640 --> 00:11:05,640
Speaker 4: just I kind of knew exactly what I wouldn't what

245
00:11:05,760 --> 00:11:08,000
Speaker 4: I didn't want to be like, and so I used

246
00:11:08,080 --> 00:11:10,800
Speaker 4: everything in my power to be the opposite to that. So, yeah,

247
00:11:10,840 --> 00:11:12,840
Speaker 4: it was just when I first had the opportunity to

248
00:11:12,840 --> 00:11:14,680
Speaker 4: be able to earn a lot of money and I

249
00:11:14,760 --> 00:11:17,040
Speaker 4: realized how much money that was, I was like, yeah,

250
00:11:17,120 --> 00:11:20,240
Speaker 4: first thing I'm going to do is by house and

251
00:11:20,280 --> 00:11:22,800
Speaker 4: get into the market. And I did that, you know,

252
00:11:22,840 --> 00:11:25,240
Speaker 4: a little while ago now so that my house has

253
00:11:25,720 --> 00:11:28,560
Speaker 4: gone up in so much value, which is amazing. And

254
00:11:28,600 --> 00:11:31,480
Speaker 4: then from there it was it was a good couple

255
00:11:31,520 --> 00:11:34,680
Speaker 4: of years, probably a few years until I felt like

256
00:11:34,760 --> 00:11:38,160
Speaker 4: I was kind of confident in how I set up

257
00:11:38,200 --> 00:11:41,280
Speaker 4: my money and keep my budget and that kind of thing.

258
00:11:41,400 --> 00:11:44,240
Speaker 4: So yeah, just knowing what I wanted to be and

259
00:11:44,320 --> 00:11:45,719
Speaker 4: just working really hard to try and get there.

260
00:11:46,040 --> 00:11:46,679
Speaker 3: I love that.

261
00:11:46,840 --> 00:11:49,559
Speaker 2: It makes me so excited that you're just so well

262
00:11:49,559 --> 00:11:52,040
Speaker 2: set up having started from you know, I don't want

263
00:11:52,040 --> 00:11:54,720
Speaker 2: to say a disadvantage start, but from a start that

264
00:11:54,840 --> 00:11:57,120
Speaker 2: you know, didn't teach you the finance skills that I

265
00:11:57,200 --> 00:11:58,439
Speaker 2: believe everyone deserves.

266
00:11:58,600 --> 00:12:01,640
Speaker 1: It's also really powerful that you came from such a well,

267
00:12:01,679 --> 00:12:04,000
Speaker 1: I mean, like you said in your email, quite a

268
00:12:04,040 --> 00:12:06,440
Speaker 1: hard environment to grow up in. It's really powerful that

269
00:12:06,520 --> 00:12:08,280
Speaker 1: you kind of took away from that and went, Okay,

270
00:12:08,679 --> 00:12:11,640
Speaker 1: that's what not to do when I you know, it

271
00:12:11,640 --> 00:12:14,600
Speaker 1: comes to controlling my finances. And obviously you and your

272
00:12:14,640 --> 00:12:17,800
Speaker 1: partner are super open about your finances. You've both got

273
00:12:17,960 --> 00:12:20,920
Speaker 1: you know, houses together and separately and things like that.

274
00:12:21,000 --> 00:12:23,240
Speaker 1: What does what does he do for a job? If

275
00:12:23,280 --> 00:12:25,760
Speaker 1: you don't mind me, Mouski, I'm pervy.

276
00:12:26,600 --> 00:12:29,839
Speaker 4: He is an electrician by trade, but he specialized. He's

277
00:12:29,840 --> 00:12:30,920
Speaker 4: still with elevators.

278
00:12:31,040 --> 00:12:35,080
Speaker 3: Oh my god, do you live in Tasmania. Yes, we do,

279
00:12:35,200 --> 00:12:36,920
Speaker 3: so they have elevators in Tasmania.

280
00:12:38,760 --> 00:12:42,319
Speaker 2: I've got everything now, yeah, but they don't have uber eats.

281
00:12:42,720 --> 00:12:47,720
Speaker 2: Oh what Oh, she's probably from Hobart breaking news. You

282
00:12:47,800 --> 00:12:50,880
Speaker 2: from Hobart y. Yeah, I've been non test and we

283
00:12:50,920 --> 00:12:52,040
Speaker 2: don't have ub eats.

284
00:12:52,200 --> 00:12:53,760
Speaker 1: Too many questions, too personal?

285
00:12:54,000 --> 00:12:56,679
Speaker 2: Sorry, sorry, sorry, all right, So we're just like breaking

286
00:12:56,720 --> 00:12:59,959
Speaker 2: down your exact location. But do you know what, Hope

287
00:13:00,120 --> 00:13:03,760
Speaker 2: it's expensive now knowing if she's living down there, Hopeart's

288
00:13:03,840 --> 00:13:06,600
Speaker 2: genuinely expensive to break into the property market there, great

289
00:13:06,640 --> 00:13:09,240
Speaker 2: rental yield two, which our money.

290
00:13:09,040 --> 00:13:14,439
Speaker 3: Direst probably is very aware of. Yes, she's like, yes, Victoria,

291
00:13:14,520 --> 00:13:14,800
Speaker 3: I know.

292
00:13:15,440 --> 00:13:17,480
Speaker 2: So while we're on the topic of your partner and

293
00:13:17,600 --> 00:13:19,640
Speaker 2: to be a little bit pervy, because we do love

294
00:13:19,840 --> 00:13:22,880
Speaker 2: a good pervy money day here. Yeah, like you said,

295
00:13:22,920 --> 00:13:25,160
Speaker 2: you were getting married in twenty twenty two, which is

296
00:13:25,320 --> 00:13:26,920
Speaker 2: very exciting and actually creeping up.

297
00:13:26,920 --> 00:13:29,840
Speaker 3: It's less than a year away. Now, how did you

298
00:13:29,960 --> 00:13:35,000
Speaker 3: guys go about getting engaged? What happened with your ring?

299
00:13:35,360 --> 00:13:37,920
Speaker 2: Having with all of that, because obviously, like you seem

300
00:13:38,000 --> 00:13:39,199
Speaker 2: to have your head screwed on.

301
00:13:39,800 --> 00:13:40,760
Speaker 3: What was that process?

302
00:13:40,920 --> 00:13:44,000
Speaker 4: Like it was a surprise?

303
00:13:44,240 --> 00:13:44,560
Speaker 1: Sorry?

304
00:13:45,120 --> 00:13:46,199
Speaker 3: Sorry you tell us?

305
00:13:46,240 --> 00:13:48,319
Speaker 1: Tell us, Oh, yeah, what happened? We're both sitting on

306
00:13:48,360 --> 00:13:49,400
Speaker 1: the edge of our seats here.

307
00:13:50,960 --> 00:13:53,559
Speaker 4: So we had a plan to Europe which had to

308
00:13:53,559 --> 00:13:55,360
Speaker 4: get canceled because of COVID. It was going to be

309
00:13:55,400 --> 00:13:58,320
Speaker 4: my birthday while we were over there, so that was

310
00:13:58,320 --> 00:13:59,319
Speaker 4: his original plan.

311
00:14:00,160 --> 00:14:01,920
Speaker 3: Oh my gosh, imagic.

312
00:14:02,080 --> 00:14:05,559
Speaker 4: Unfortunately, I know, but I like his stack up plan

313
00:14:05,679 --> 00:14:08,480
Speaker 4: even better. So we went down to a place where

314
00:14:08,480 --> 00:14:10,600
Speaker 4: I grew up and we went on this really beautiful hike.

315
00:14:11,640 --> 00:14:14,560
Speaker 4: It was like a twenty k hike or something particulous.

316
00:14:15,120 --> 00:14:17,280
Speaker 1: And the day he make you do that before giving

317
00:14:17,280 --> 00:14:21,640
Speaker 1: you that ring, I can't believe it work it?

318
00:14:21,720 --> 00:14:24,120
Speaker 4: Yeah, absolutely so yeah, Well we got to the end.

319
00:14:24,240 --> 00:14:26,080
Speaker 4: He yeah, I got down on one knee and proposed

320
00:14:26,280 --> 00:14:28,480
Speaker 4: in the back you've been carrying around champagne.

321
00:14:29,040 --> 00:14:32,600
Speaker 3: Oh so sweet.

322
00:14:33,400 --> 00:14:36,080
Speaker 2: So it was a surprise and he saved for the

323
00:14:36,160 --> 00:14:38,359
Speaker 2: ring and you had literally no idea.

324
00:14:38,520 --> 00:14:40,400
Speaker 4: Yes, I had no idea. So he told me he'd

325
00:14:40,400 --> 00:14:42,520
Speaker 4: had it for quite a few months and kept it

326
00:14:42,560 --> 00:14:48,120
Speaker 4: in the ceiling of the house. I would never look

327
00:14:48,840 --> 00:14:49,800
Speaker 4: and he designed.

328
00:14:49,560 --> 00:14:50,720
Speaker 3: What would you be doing in it?

329
00:14:50,800 --> 00:14:50,920
Speaker 4: Oh?

330
00:14:51,000 --> 00:14:52,480
Speaker 3: He designed it himself.

331
00:14:53,440 --> 00:14:54,440
Speaker 4: Yeah, it's beautiful.

332
00:14:55,000 --> 00:14:57,000
Speaker 3: Oh my gosh. Can you imagine.

333
00:14:57,280 --> 00:14:58,720
Speaker 1: That's such a lovely story.

334
00:14:58,840 --> 00:15:00,640
Speaker 2: I just wanted to be really, I was like, she's

335
00:15:00,640 --> 00:15:03,200
Speaker 2: getting married, she would have had a reposal, let's ask,

336
00:15:03,400 --> 00:15:06,720
Speaker 2: because I'm only sorry studying that journey and just you know,

337
00:15:06,960 --> 00:15:09,800
Speaker 2: have you did you guys have conversations about marriage and

338
00:15:09,840 --> 00:15:13,240
Speaker 2: what that looked like and you know the financial.

339
00:15:12,760 --> 00:15:13,600
Speaker 3: Aspects of that.

340
00:15:14,600 --> 00:15:18,920
Speaker 4: Yeah, definitely. I think we were both so our relationship

341
00:15:18,920 --> 00:15:21,440
Speaker 4: started really slow for the first six months because I

342
00:15:21,440 --> 00:15:23,360
Speaker 4: think we really wanted to get to know each other properly,

343
00:15:23,840 --> 00:15:25,480
Speaker 4: and I think that both of us it was really

344
00:15:25,520 --> 00:15:28,840
Speaker 4: important that our partner was in a good financial situation

345
00:15:29,080 --> 00:15:32,280
Speaker 4: as well, which we both came into it like that

346
00:15:32,360 --> 00:15:34,400
Speaker 4: and looked about the future and that kind of thing.

347
00:15:34,440 --> 00:15:37,240
Speaker 4: We did speak about engagement rings then, Like I said,

348
00:15:37,240 --> 00:15:39,000
Speaker 4: I didn't really want to be a part of the process.

349
00:15:39,000 --> 00:15:41,000
Speaker 4: But it was important to me that he didn't go

350
00:15:41,040 --> 00:15:43,400
Speaker 4: out and splurge or something that was ridiculously experence you,

351
00:15:43,520 --> 00:15:46,520
Speaker 4: because we have big goals that we wanted. As much

352
00:15:46,520 --> 00:15:49,360
Speaker 4: as I would love a big, flushy ring in it

353
00:15:49,400 --> 00:15:51,400
Speaker 4: is I think big and flushy enough for me anyway,

354
00:15:52,480 --> 00:15:55,680
Speaker 4: that's not I suppose what we value.

355
00:15:56,120 --> 00:15:59,080
Speaker 3: Yeah, and it's nice to ask these questions too, because

356
00:15:59,080 --> 00:16:01,320
Speaker 3: it's not often and it you know, if your friend

357
00:16:01,360 --> 00:16:03,880
Speaker 3: gets engaged, you don't go how much was your ring?

358
00:16:03,920 --> 00:16:05,760
Speaker 3: Did you guys talk about the money values you had

359
00:16:05,760 --> 00:16:08,360
Speaker 3: together before you got engaged? Like that's why I really

360
00:16:08,440 --> 00:16:11,160
Speaker 3: like this podcast and the I guess anonymity that you

361
00:16:11,280 --> 00:16:13,120
Speaker 3: have so I can ask that and we can listen

362
00:16:13,280 --> 00:16:14,640
Speaker 3: is if we're friends.

363
00:16:14,280 --> 00:16:16,480
Speaker 1: And most people would be quite offended if you like,

364
00:16:16,520 --> 00:16:19,720
Speaker 1: if someone went on I'm engaging, how much was your ring?

365
00:16:19,760 --> 00:16:20,920
Speaker 1: And did you talk about it before?

366
00:16:21,160 --> 00:16:23,600
Speaker 3: And oh my gosh, how offensive? Like I don't know,

367
00:16:23,640 --> 00:16:26,000
Speaker 3: it's not coming from a malicious place. You are a

368
00:16:26,000 --> 00:16:28,080
Speaker 3: bit pervy, but you never get to ask those questions

369
00:16:28,080 --> 00:16:30,760
Speaker 3: in real life, So let's ask them me here, And

370
00:16:30,760 --> 00:16:33,120
Speaker 3: how's wedding planning going? What's the budget for that?

371
00:16:33,160 --> 00:16:37,840
Speaker 4: Look like, sorry, oh my gosh.

372
00:16:37,560 --> 00:16:37,920
Speaker 3: I know.

373
00:16:40,320 --> 00:16:44,560
Speaker 4: So initially we had a figure in mind, and then tell.

374
00:16:44,480 --> 00:16:45,000
Speaker 1: Us the figure.

375
00:16:47,240 --> 00:16:50,200
Speaker 3: I agree, mind, this is the one.

376
00:16:50,680 --> 00:16:52,880
Speaker 2: You don't just go, oh, we'll thinking about a number,

377
00:16:53,280 --> 00:16:54,800
Speaker 2: my love, what was that number?

378
00:16:55,840 --> 00:16:57,680
Speaker 4: So the figure was twenty thousand?

379
00:16:58,000 --> 00:17:00,760
Speaker 3: Yeah three good budge, that's big.

380
00:17:00,880 --> 00:17:03,360
Speaker 1: That's substantial for sure. Yeah.

381
00:17:03,720 --> 00:17:06,000
Speaker 4: But then and we had a really clear picture of

382
00:17:06,000 --> 00:17:07,639
Speaker 4: what we wanted for the wedding as well, so that

383
00:17:07,680 --> 00:17:10,520
Speaker 4: made it really easy. I went away and contacted like

384
00:17:10,680 --> 00:17:13,959
Speaker 4: fully bo different venues and vendors and spoke with them

385
00:17:14,000 --> 00:17:16,600
Speaker 4: and got prices. So when I added it up, and

386
00:17:16,640 --> 00:17:19,040
Speaker 4: I mean, we're not doing anything super extra, like the

387
00:17:19,040 --> 00:17:21,119
Speaker 4: wedding is just going to be super late back and

388
00:17:21,200 --> 00:17:27,200
Speaker 4: kind of pickic festivally start two trucks, Tony and I.

389
00:17:27,440 --> 00:17:30,240
Speaker 2: Well, we'll send you our address, you can send the invite,

390
00:17:30,280 --> 00:17:30,920
Speaker 2: ride on over.

391
00:17:31,119 --> 00:17:32,760
Speaker 1: We don't need plass ones. We'll just go together.

392
00:17:32,840 --> 00:17:34,920
Speaker 2: Yeah, we'll actually just go together, So don't worry about

393
00:17:34,920 --> 00:17:36,119
Speaker 2: a class one for us.

394
00:17:36,320 --> 00:17:37,119
Speaker 3: I would love that.

395
00:17:40,320 --> 00:17:43,600
Speaker 4: But yeah, it adds up really quickly. So that quickly

396
00:17:43,680 --> 00:17:46,560
Speaker 4: went over that twenty K limit. And when I sat

397
00:17:46,600 --> 00:17:48,760
Speaker 4: down with my partner. We went through everything line by

398
00:17:48,840 --> 00:17:51,760
Speaker 4: line and we thought what we were wanting to pay

399
00:17:51,800 --> 00:17:54,600
Speaker 4: for everything was really justifiable. But you know, when you're

400
00:17:54,600 --> 00:17:57,040
Speaker 4: added all up, it went over that. So it's probably

401
00:17:57,080 --> 00:17:59,639
Speaker 4: going to be around twenty five thousand dollars.

402
00:18:00,119 --> 00:18:03,119
Speaker 2: Now, that's still under the average of thirty four thousand

403
00:18:03,160 --> 00:18:04,919
Speaker 2: dollars for a wedding here in Australia.

404
00:18:05,200 --> 00:18:07,160
Speaker 3: So I don't think it's that bad.

405
00:18:07,760 --> 00:18:09,440
Speaker 4: No, I think it's pretty good. And like I said,

406
00:18:09,480 --> 00:18:11,280
Speaker 4: we want to pay all of it in cash. We

407
00:18:11,320 --> 00:18:14,000
Speaker 4: don't want to put anything on credit or anything like that.

408
00:18:14,119 --> 00:18:15,440
Speaker 4: So yeah, I'm happy with that.

409
00:18:15,520 --> 00:18:19,359
Speaker 2: Biggup, you're like a dream, Like what everybody listening's like,

410
00:18:19,440 --> 00:18:20,400
Speaker 2: she's making this up.

411
00:18:20,400 --> 00:18:22,320
Speaker 1: I bet you it sounds like it's me with a

412
00:18:22,400 --> 00:18:24,560
Speaker 1: voice to coder on like, it doesn't sound like.

413
00:18:24,480 --> 00:18:28,200
Speaker 2: It's actually genuinely so so impressive.

414
00:18:28,280 --> 00:18:31,120
Speaker 3: Are you proud of yourself? Yeah?

415
00:18:31,200 --> 00:18:35,120
Speaker 4: I think I think I am. I do often kind

416
00:18:35,119 --> 00:18:38,800
Speaker 4: of struggle with a bit of imposter syndrome sometimes, but when,

417
00:18:39,040 --> 00:18:40,919
Speaker 4: especially when you read that email back to you, I

418
00:18:40,960 --> 00:18:41,200
Speaker 4: was like.

419
00:18:41,280 --> 00:18:46,359
Speaker 1: Cool, she's cool a person, and like you said in

420
00:18:46,400 --> 00:18:48,879
Speaker 1: the email, you know, oh I've got a I've got mentors.

421
00:18:48,880 --> 00:18:50,879
Speaker 1: That tell me a piece of paper doesn't mean anything.

422
00:18:50,960 --> 00:18:54,760
Speaker 1: And I will tell you firsthand this is my experience.

423
00:18:55,080 --> 00:18:57,640
Speaker 1: I've got the piece of paper, and I still struggle

424
00:18:57,680 --> 00:19:00,760
Speaker 1: with imposter syndrome every single day. I don't.

425
00:19:00,840 --> 00:19:01,920
Speaker 3: Oh my gosh, me too.

426
00:19:02,040 --> 00:19:04,280
Speaker 1: You know, it's not only that it doesn't make a

427
00:19:04,320 --> 00:19:06,280
Speaker 1: differences in like, if you're good at the job, you're

428
00:19:06,280 --> 00:19:08,359
Speaker 1: going to get it, but it doesn't make you feel

429
00:19:08,400 --> 00:19:12,840
Speaker 1: more confident, and especially as a female, often females that

430
00:19:12,880 --> 00:19:16,199
Speaker 1: you see larger numbers of imposter syndrome and people experiencing

431
00:19:16,200 --> 00:19:19,880
Speaker 1: those feelings, and every day for me, at least once

432
00:19:19,920 --> 00:19:22,120
Speaker 1: a day that there's a second of me going, oh,

433
00:19:22,160 --> 00:19:24,399
Speaker 1: I'm so lucky to be here, when no, I've actually

434
00:19:24,400 --> 00:19:26,520
Speaker 1: worked really hard. So you should be really proud of

435
00:19:26,520 --> 00:19:29,560
Speaker 1: yourself because your background and what you've been able to

436
00:19:29,600 --> 00:19:32,200
Speaker 1: achieve is just is so impressive.

437
00:19:32,400 --> 00:19:35,159
Speaker 2: Like, oh, it is so impressive, and I think you

438
00:19:35,280 --> 00:19:38,000
Speaker 2: touched on something that's really important here as well, Tony.

439
00:19:38,359 --> 00:19:41,040
Speaker 3: It's not luck, No, you worked really hard.

440
00:19:40,840 --> 00:19:44,399
Speaker 2: For this, and imposter syndrome is something that I suffer

441
00:19:44,480 --> 00:19:48,440
Speaker 2: from me I'm always like oh, thanks, and I guess

442
00:19:48,440 --> 00:19:51,000
Speaker 2: it's why I can't really get behind my cellphone again.

443
00:19:51,320 --> 00:19:54,440
Speaker 2: You know, obviously we know that I have a few

444
00:19:54,480 --> 00:19:56,760
Speaker 2: awards and stuff like that, but when it happens, I'm

445
00:19:56,800 --> 00:20:00,199
Speaker 2: so bad at celebrating those things with my team, with

446
00:20:00,240 --> 00:20:03,360
Speaker 2: my family, with my friends, because I'm always like, oh, yeah,

447
00:20:03,400 --> 00:20:05,240
Speaker 2: I got this, and then in the back of my head,

448
00:20:05,280 --> 00:20:07,359
Speaker 2: I'm like, yeah, but they made a mistake, like they

449
00:20:07,400 --> 00:20:09,879
Speaker 2: didn't they didn't mean it. Almost recently, I got an

450
00:20:09,880 --> 00:20:11,880
Speaker 2: award and I was like, oh, yeah, like it's really cool,

451
00:20:11,880 --> 00:20:13,080
Speaker 2: but I don't know why I got it, Like I

452
00:20:13,080 --> 00:20:14,720
Speaker 2: don't get it at all, And I really need to

453
00:20:14,720 --> 00:20:17,360
Speaker 2: pull my own head in because it's cool and we

454
00:20:17,400 --> 00:20:20,000
Speaker 2: really should back ourselves and we really should have this

455
00:20:20,600 --> 00:20:23,880
Speaker 2: idea of ourselves that is true and correct. Like I'm

456
00:20:23,960 --> 00:20:26,159
Speaker 2: so impressed with your story and it has nothing to

457
00:20:26,200 --> 00:20:29,360
Speaker 2: do with luck and you're absolutely not an imposter. Like

458
00:20:29,760 --> 00:20:31,480
Speaker 2: it breaks my heart a little bit that I know

459
00:20:31,600 --> 00:20:33,720
Speaker 2: so many people in our community. So I thought with this,

460
00:20:34,080 --> 00:20:36,080
Speaker 2: and you know, it's probably something I want to have

461
00:20:36,119 --> 00:20:39,520
Speaker 2: a deeper conversation about because it is deep and it

462
00:20:39,560 --> 00:20:42,159
Speaker 2: is meaningful, and it is impactful if we can start

463
00:20:42,280 --> 00:20:43,920
Speaker 2: backing ourselves in a better way.

464
00:20:44,200 --> 00:20:47,600
Speaker 1: Yeah, I completely agree, because it's so important to be

465
00:20:47,640 --> 00:20:50,600
Speaker 1: able to not be cocky and not be not be

466
00:20:50,720 --> 00:20:52,760
Speaker 1: rude about it, but just to be proud ourselves and

467
00:20:52,800 --> 00:20:55,520
Speaker 1: back ourselves in. It's so powerful. And if a friend

468
00:20:55,520 --> 00:20:57,840
Speaker 1: told you that they wont an award, how excited would

469
00:20:57,840 --> 00:21:00,199
Speaker 1: you be for them? Yeah? Exactly, And we should be

470
00:21:00,200 --> 00:21:01,600
Speaker 1: doing that to ourselves.

471
00:21:01,200 --> 00:21:03,679
Speaker 2: Exactly, and so should you, my friend. I feel like

472
00:21:03,800 --> 00:21:08,199
Speaker 2: you are so impressive. But what is You know a

473
00:21:08,200 --> 00:21:11,199
Speaker 2: lot of people listening to this are going to have

474
00:21:11,359 --> 00:21:13,679
Speaker 2: listened and been like, oh wow, I didn't grow up

475
00:21:13,680 --> 00:21:15,879
Speaker 2: with that situation, and you know I'm not in a

476
00:21:15,880 --> 00:21:18,840
Speaker 2: better situation now because of it. Like, what is the

477
00:21:18,880 --> 00:21:21,600
Speaker 2: first step that you really took that helped you get

478
00:21:21,600 --> 00:21:23,840
Speaker 2: on the right path to being able to be what

479
00:21:23,920 --> 00:21:28,080
Speaker 2: I would deem to be relatively financially secure for your age.

480
00:21:28,520 --> 00:21:30,240
Speaker 4: Oh that's a really good question.

481
00:21:30,840 --> 00:21:32,520
Speaker 3: Oh thank you. I thought of it myself.

482
00:21:34,400 --> 00:21:35,200
Speaker 4: What would say?

483
00:21:36,720 --> 00:21:37,120
Speaker 3: I think?

484
00:21:37,359 --> 00:21:43,640
Speaker 4: Well, I didn't necessarily have the best role model currently,

485
00:21:43,720 --> 00:21:45,800
Speaker 4: and like, I love both as my parents they were

486
00:21:45,960 --> 00:21:48,040
Speaker 4: they did the best that they could use what they had.

487
00:21:48,040 --> 00:21:50,520
Speaker 4: I sposed the time, but there were other people in

488
00:21:50,560 --> 00:21:52,520
Speaker 4: my life that I could too and be like yep,

489
00:21:52,560 --> 00:21:56,480
Speaker 4: I want to be more like them, and just because you,

490
00:21:56,480 --> 00:22:01,199
Speaker 4: you know, might not have the best, you don't have

491
00:22:01,359 --> 00:22:04,159
Speaker 4: to follow that path. You know, you can make a

492
00:22:04,160 --> 00:22:06,359
Speaker 4: conscious decision about where you want your life to go,

493
00:22:07,000 --> 00:22:08,800
Speaker 4: and there will be people out there that will support

494
00:22:08,840 --> 00:22:10,479
Speaker 4: you and that will believe in you and will if

495
00:22:10,480 --> 00:22:12,560
Speaker 4: there's time in you to be able to do that.

496
00:22:12,600 --> 00:22:15,160
Speaker 4: And I've been really lucky, you know, in my personal

497
00:22:15,200 --> 00:22:18,840
Speaker 4: life and throughout my career, I've had amazing managers that

498
00:22:18,880 --> 00:22:22,120
Speaker 4: have invested all the time and efforts into me because

499
00:22:22,160 --> 00:22:25,400
Speaker 4: they could see how hard I would work and how

500
00:22:26,040 --> 00:22:28,479
Speaker 4: much I really wanted to do my best at everything

501
00:22:28,480 --> 00:22:28,920
Speaker 4: that I did.

502
00:22:29,520 --> 00:22:31,200
Speaker 3: Oh, you're going to make Tony cry.

503
00:22:31,359 --> 00:22:33,760
Speaker 2: She's across the room with her hand on her chairs,

504
00:22:33,800 --> 00:22:35,600
Speaker 2: being like, oh my gosh, I just.

505
00:22:35,560 --> 00:22:37,399
Speaker 1: Want you to ring me every morning and be like

506
00:22:37,480 --> 00:22:42,000
Speaker 1: you can do it, babe, that we can.

507
00:22:42,000 --> 00:22:44,359
Speaker 3: Do more morning group PEP talks. I like it. We

508
00:22:44,359 --> 00:22:46,000
Speaker 3: can jump in here and be like, all right, so

509
00:22:46,280 --> 00:22:48,960
Speaker 3: hype this up. Here we go, here we go. But

510
00:22:49,080 --> 00:22:50,040
Speaker 3: I love this.

511
00:22:50,200 --> 00:22:52,879
Speaker 2: I absolutely love this, and I think it is really powerful,

512
00:22:53,440 --> 00:22:55,680
Speaker 2: especially when it comes to financial literacy.

513
00:22:55,800 --> 00:22:59,399
Speaker 3: And I'm very very grateful that you, you know, are sharing

514
00:22:59,440 --> 00:23:00,440
Speaker 3: this story with us.

515
00:23:00,520 --> 00:23:03,960
Speaker 2: And knowing that you're from Tasmania and knowing you know

516
00:23:04,119 --> 00:23:06,840
Speaker 2: that's obviously very close to my heart because I grew

517
00:23:06,920 --> 00:23:09,600
Speaker 2: up there. But then also knowing you didn't finish year

518
00:23:09,640 --> 00:23:11,520
Speaker 2: ten or you did finish year ten, you didn't do

519
00:23:11,680 --> 00:23:15,720
Speaker 2: secondary what do you call it VCE that's in Victoria.

520
00:23:16,960 --> 00:23:17,400
Speaker 3: College.

521
00:23:17,440 --> 00:23:20,040
Speaker 2: Yeah, so you didn't do college and then you've made

522
00:23:20,080 --> 00:23:23,240
Speaker 2: it in an area that usually requires a degree. I'm

523
00:23:23,280 --> 00:23:26,840
Speaker 2: just so genuinely proud of you and proud that you're

524
00:23:26,880 --> 00:23:29,439
Speaker 2: a part of our community and that you get to

525
00:23:29,480 --> 00:23:31,520
Speaker 2: be one of the role models for the people listening

526
00:23:31,520 --> 00:23:33,840
Speaker 2: to our show. Like it's just so special that these

527
00:23:33,880 --> 00:23:36,320
Speaker 2: stories get to be out there now. And I want

528
00:23:36,320 --> 00:23:39,040
Speaker 2: to just say thanks for joining us, and thanks for

529
00:23:39,240 --> 00:23:41,800
Speaker 2: you know, sharing your story because it genuinely is really

530
00:23:41,840 --> 00:23:42,960
Speaker 2: special to us.

531
00:23:43,560 --> 00:23:45,320
Speaker 4: Well, thank you so much for having me. I'm glad

532
00:23:45,320 --> 00:23:47,920
Speaker 4: that I got the opportunity to do this and hopefully

533
00:23:47,960 --> 00:23:51,920
Speaker 4: inspire the people that you know might not have finished

534
00:23:52,040 --> 00:23:55,200
Speaker 4: for like I said, high school or college or gone university,

535
00:23:55,240 --> 00:23:57,120
Speaker 4: that there are still opportunities out there.

536
00:23:57,320 --> 00:24:00,720
Speaker 3: Oh, you absolutely have. You absolutely have an I think

537
00:24:00,760 --> 00:24:03,480
Speaker 3: for sure. It's so important. So thank you so much

538
00:24:03,520 --> 00:24:04,520
Speaker 3: for joining us today.

539
00:24:05,240 --> 00:24:05,520
Speaker 1: Thanks.

540
00:24:06,400 --> 00:24:08,679
Speaker 2: Okay, So just before we head off, we'd like to

541
00:24:08,720 --> 00:24:12,160
Speaker 2: acknowledge and pay respect to Australia's Aboriginal and Torres Strait

542
00:24:12,200 --> 00:24:16,200
Speaker 2: Islander peoples, the traditional custodians of the lands, the waterways

543
00:24:16,200 --> 00:24:19,679
Speaker 2: and the skies all across Australia. We thank you for sharing,

544
00:24:19,840 --> 00:24:21,840
Speaker 2: for caring for the land on which we are able

545
00:24:21,920 --> 00:24:25,080
Speaker 2: to learn. We pay respects to eldest past and present,

546
00:24:25,160 --> 00:24:27,199
Speaker 2: and we share our friendship and our kindness.

547
00:24:27,560 --> 00:24:29,919
Speaker 1: The advice shared on She's on the Money is general

548
00:24:29,960 --> 00:24:33,760
Speaker 1: in nature and does not consider your individual circumstances. Now, ah,

549
00:24:33,800 --> 00:24:36,879
Speaker 1: She's on the Money exists purely for educational purposes and

550
00:24:36,880 --> 00:24:39,119
Speaker 1: should not be relied upon to make an investment or

551
00:24:39,200 --> 00:24:43,879
Speaker 1: financial decision, and we promise. Victoria Devine is an authorized

552
00:24:43,880 --> 00:24:48,680
Speaker 1: representative of Australia Pacific Funds Management Proprietary Limited ABN three

553
00:24:48,720 --> 00:24:51,480
Speaker 1: four one three two four six three two five seven

554
00:24:51,800 --> 00:24:54,280
Speaker 1: AFSL three three nine one five one.

555
00:24:54,560 --> 00:24:57,399
Speaker 2: And yeah, thanks to our team of audio wizards, who

556
00:24:57,440 --> 00:24:58,200
Speaker 2: is actually Tony.

557
00:24:58,280 --> 00:24:58,800
Speaker 1: It's just me.

558
00:24:59,520 --> 00:25:03,080
Speaker 3: It's just it's just like two of three kids in

559
00:25:03,119 --> 00:25:05,000
Speaker 3: a trench code.

560
00:25:05,080 --> 00:25:08,360
Speaker 2: I'm actually really excited and I think that's something to celebrate, right,

561
00:25:08,400 --> 00:25:11,720
Speaker 2: like we have a full time audio engineer, producer, co

562
00:25:11,840 --> 00:25:13,280
Speaker 2: host everything all in one.

563
00:25:13,359 --> 00:25:14,720
Speaker 1: Now, Oh, I am a wizard.

564
00:25:14,920 --> 00:25:15,800
Speaker 3: You are a wizard.

565
00:25:15,880 --> 00:25:17,280
Speaker 1: Harry, You're a wizard.

566
00:25:17,359 --> 00:25:20,359
Speaker 3: Tony not as attractive as Harry.

567
00:25:20,400 --> 00:25:23,240
Speaker 2: Anyway, we would love it if you joined our Facebook

568
00:25:23,240 --> 00:25:26,320
Speaker 2: group where our community shares money, tips and tricks every

569
00:25:26,359 --> 00:25:27,920
Speaker 2: single day, free of judgment.

570
00:25:28,200 --> 00:25:30,480
Speaker 3: So she's on the money on Facebook and join us.

571
00:25:30,480 --> 00:25:32,920
Speaker 2: If Facebook snunty think that is more than cal find

572
00:25:33,000 --> 00:25:35,240
Speaker 2: us on Instagram as well, where she's on the money

573
00:25:35,280 --> 00:25:36,479
Speaker 2: a us where Tony.

574
00:25:36,760 --> 00:25:39,520
Speaker 3: We just hit one hundred thousand friends. Are they friends

575
00:25:39,600 --> 00:25:40,960
Speaker 3: or followers? I don't want to say followers.

576
00:25:40,960 --> 00:25:43,080
Speaker 1: I don't like followings. Sounds a little bit weird, but

577
00:25:43,200 --> 00:25:44,200
Speaker 1: you're definitely friends.

578
00:25:44,200 --> 00:25:45,560
Speaker 3: We have a hundred thousand friends.

579
00:25:45,600 --> 00:25:46,480
Speaker 1: That's too many friends.

580
00:25:46,560 --> 00:25:48,520
Speaker 3: They're not going to afford the birth parties.

581
00:25:49,080 --> 00:25:52,399
Speaker 1: Honestly, imagine if you had one hundred thousand people calling

582
00:25:52,440 --> 00:25:54,200
Speaker 1: up to sleep on your couch after a night out.

583
00:25:54,400 --> 00:25:56,639
Speaker 3: Some it's not gonna happen. Anyway.

584
00:25:56,840 --> 00:25:59,359
Speaker 2: You're welcome if you need to, but maybe not the

585
00:25:59,359 --> 00:26:02,399
Speaker 2: one hundred thousand and others. Anyway, don't forget to rate, review,

586
00:26:02,560 --> 00:26:06,280
Speaker 2: subscribe on whatever app you use. We appreciate literally every

587
00:26:06,320 --> 00:26:07,800
Speaker 2: single thing you guys do for us.

588
00:26:07,880 --> 00:26:12,400
Speaker 3: See you next week. Hey,