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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 2: Hello, and welcome to She's on the moneyodcast that makes

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Speaker 2: personal finance fun, especially on Fridays. It's our favorite day

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Speaker 2: of the week because I get to get my team

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Speaker 2: together and celebrate you how incredible She's on the Money.

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Speaker 2: Community is just agreed. She's back as always. I'm going

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Speaker 2: to be sharing our favorite money wins of the week.

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Speaker 2: Miss becksay ed. She's here with a number of different

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Speaker 2: broke tips. She's broke, not just feeling broke. We'll be

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Speaker 2: helping to endser a money dilemma which this week is

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Speaker 2: all about not being fairly compensated at work and something

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Speaker 2: that you slid into our dms about what do you

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Speaker 2: do when you and your partner aren't aligned on your

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Speaker 2: joint goals. I feel like that would be so hard,

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Speaker 2: like you probably do. That's the end of the show.

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Speaker 2: At the end of the show, Well you know how

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Speaker 2: to sold fights communication. I thought you were going to

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Speaker 2: say fists.

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Speaker 3: Well you look at just.

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Speaker 4: Like you about to kick her out off.

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Speaker 2: Because I thought that Jess would say imvnication. Jess looks innocent,

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Speaker 2: but like she could. She honestly is often on the

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Speaker 2: verge of throwing hands through and through before we get

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Speaker 2: to all of that, though, Guys, how were your weeks?

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Speaker 2: I'm hoping none of you threw hands?

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Speaker 4: You go first, because I feel like you did throw

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Speaker 4: hands at least three times now that I can do it.

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Speaker 2: No, I didn't.

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Speaker 5: Good Happy Valentine's Day.

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Speaker 2: Love it. I haven't done anything.

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Speaker 5: Oh no, that's a total lie. We had a photo

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Speaker 5: shoot yesterday.

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Speaker 6: Anything.

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Speaker 2: I'm like, I have literally had the biggest week, But

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Speaker 2: I don't know where you were. We it was such

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Speaker 2: a fun day.

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Speaker 5: We got lots of content, lots of fun videos.

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Speaker 2: We hired that house back down on the morning to

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Speaker 2: Peninsula that we hired when I first did like our

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Speaker 2: investing master class, so we're like, did our investing master class?

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Speaker 2: Wanted like beautiful sets, and one of the most cost

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Speaker 2: effective ways to do that was to hire out an

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Speaker 2: airbnb essentially that we were allowed to film in so

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Speaker 2: that we didn't have to hire like a production studio,

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Speaker 2: which is really expensive. But then also our team all

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Speaker 2: across the country and when we come together to do

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Speaker 2: content weeks or content days, they need accommodation. So I

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Speaker 2: said to the girls, what if we hired a really big,

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Speaker 2: fancy house that's so clever. You all get a bedroom.

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Speaker 2: All the bedrooms have on sweets, so you've got your

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Speaker 2: own rooms and stuff. But we have this big girl

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Speaker 2: house for a week, and it's just it is so

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Speaker 2: much fun, like getting to produce content and have everybody

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Speaker 2: in one place at one time. Like, it's just it's

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Speaker 2: a very good week for me. I was wondering, No,

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Speaker 2: it was not mine, absolutely not. It is currently for

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Speaker 2: sale though Beck and Jess our money. If we pull

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Speaker 2: our money, we still don't have enough for the deposit. Yes,

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Speaker 2: it goes.

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Speaker 5: The house, am I actually don't think I want to know.

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Speaker 2: From seven mil whoa, that's so many.

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Speaker 4: Dollaries, seven three hundred fifty thousand, literally, like you could

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Speaker 4: buy a whole house for the Yeah.

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Speaker 2: That's that.

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Speaker 4: That's what I say for a little apartment.

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Speaker 2: Crazy, it's crazy, Yes, it must be. We won't be

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Speaker 2: doing that, but it's nice to borrow for a week. Yeah, yeah,

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Speaker 2: it was very nice. Thank you for letting us borrow

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Speaker 2: your house. Like, how was your week?

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Speaker 4: Really good? Really cute? You know, I just I really

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Speaker 4: like that I know that I'm in a relationship, but

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Speaker 4: I also I really love my friends. My friends are

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Speaker 4: the loves of my life, and so it's a very

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Speaker 4: big like you know, I want to I want to

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Speaker 4: celebrate Gallantine's Day and Guylanine's Day, Gylentine's Day, and they

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Speaker 4: as well. So it's a big week of.

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Speaker 2: I think you would just say Balentine, well, I guess

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Speaker 2: I like how you were trying to be super political

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Speaker 2: and like, yeah, want to correct and that include everyone.

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Speaker 2: Valentine's would actually just meet the brief.

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Speaker 4: Turns out actually that there's a word.

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Speaker 2: It's good. It's good. You just wanted to share big love.

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Speaker 4: Yeah, and obviously The photo shoot was so much fun.

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Speaker 4: I've never felt so like fancy, you know what I mean.

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Speaker 2: Standing in a seven million dollar home does up the

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Speaker 2: antique does something to you in your bones. The confidence

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Speaker 2: I feel like gross because you're like, the photos can't

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Speaker 2: look that bad because look around. Yeah, yeah, people are

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Speaker 2: going to be looking at me. They're going to be

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Speaker 2: perving at what that mirror costs.

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Speaker 4: Or yeah, and I think you can polish it herd

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Speaker 4: if you're in a seven million dollar half.

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Speaker 2: I think the thing that Jess and I loved most

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Speaker 2: about the house is like we're pervy, right, so like

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Speaker 2: everyone does this, Like, let's be honest, you're at an

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Speaker 2: air banba. I'm opening the cupboards, I'm looking in the drawers.

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Speaker 4: I'm looking at those tees y as individual.

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Speaker 2: The individual packs of the tees they had. Jess and

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Speaker 2: I go around and we look at the home. Wh

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Speaker 2: we love a homework. Jess and I target kmart Eh

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Speaker 2: and m so many of those things that I was like,

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Speaker 2: oh my gosh, this bookshelf is probably going to be

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Speaker 2: covered in like such expensive coment.

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Speaker 5: Wasn't they really could exercise in Things don't have to

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Speaker 5: be expensive to look I mean like granted, obviously you

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Speaker 5: have the backdrop of the seven million at a home.

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Speaker 2: Which and when we googled the dining table because we

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Speaker 2: were like, oh, this dining table is stunning. It's fifteen

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Speaker 2: thousand dollars. Yeah, couldn't be.

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Speaker 5: But it was very cool to see that they did

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Speaker 5: have a lot of beautiful accessories that were from kmartin target.

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Speaker 2: Yeah, it's like they really did the high low. But

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Speaker 2: I mean, maybe I'll get them in my house while

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Speaker 2: looks seven million dollars.

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Speaker 5: Is that how?

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Speaker 4: Yes? Yeah?

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Speaker 2: Good? My new Kmart cushions make my house look like

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Speaker 2: the seven million dollar house exactly.

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Speaker 4: Yep, that's exactly it works.

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Speaker 2: It's not even half, not even a quarter like wild Anyway,

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Speaker 2: this week has been really fun. But I was wondering,

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Speaker 2: do you want to hear one of our five style reviews?

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Speaker 6: Yes?

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Speaker 7: Please?

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Speaker 2: This one was really cute. So this one is from Jackie.

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Speaker 2: She says, empowering like many others, has literally changed my

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Speaker 2: perspective and my behavior towards money for the best. I've

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Speaker 2: just made my first investment with an ETF and I'm

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Speaker 2: so happy. I love the dynamics between the hosts and

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Speaker 2: find the podcast overall to be a positive and educational space.

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Speaker 2: Thank you and cute Jackie.

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Speaker 4: Yes, and congratulations on your first ETF purchase and.

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Speaker 2: She's an investor. And also like the fact that you

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Speaker 2: took the time out of your day to just leave

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Speaker 2: something positive on the internet. That's goo to thank you.

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Speaker 4: Thank you so much.

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Speaker 2: I adore it all right. Speaking of positive our Facebook

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Speaker 2: community is one of my favorite places to hang out

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Speaker 2: on the Internet. It's just grichie. Yes, what money wins

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Speaker 2: and confessions are you bringing to the table this week?

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Speaker 5: Well, when I start off with a follow up from

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Speaker 5: a couple of weeks ago, you might remember I read

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Speaker 5: a money win from someone about Planet Fitness. Oh yaid

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Speaker 5: oh they're not Australian. How annoying they are. I said,

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Speaker 5: I'd go away do some research. We had some queens

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Speaker 5: slide into our dms to confirm that Planet Fitness is

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Speaker 5: in fact a thing here.

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Speaker 7: I like this.

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Speaker 2: Podcasts actually a two way conversation, Yes slightly. I feel

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Speaker 2: like a lot of podcasts are just like you hear

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Speaker 2: the content, you leave it, No, no, no, the dms

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Speaker 2: are open if we say something on here that's actually

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Speaker 2: open conversations. I love that you listened to this but

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Speaker 2: I actually want your opinion. And when they jump into

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Speaker 2: the DMS and they're like, oh, you know how you're

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Speaker 2: talking about planet fields are you kidding? That's great? This

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Speaker 2: is just a long limited, once a week, I believe.

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Speaker 5: But Alicia also slid into our DMS and said, apparently

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Speaker 5: in the Newcastle area, Planet Fitness has changed the name

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Speaker 5: to Earth, but they have the same amenities, so maybe

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Speaker 5: look out for few rh like the cafe you are yeah, Earth,

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Speaker 5: but to refresh people's memory, so you pay the ten

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Speaker 5: dollar I think it's ten dollars a week. Is they're

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Speaker 5: more expensive?

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Speaker 4: This sounds like that.

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Speaker 2: I promise ten dollars a week is the gym. The

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Speaker 2: more they want to give us free memberships to like

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Speaker 2: unlimited spray, it's like I want to test out once

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Speaker 2: a week's bread okay, okay, okay, I guess we had

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Speaker 2: it every single day, Jess, how many times do you

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Speaker 2: need a spray? Tann in a well. This is what

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Speaker 2: I was thinking because I was kind of running the

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Speaker 2: math in my head because it's once a week. I

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Speaker 2: just need a ten once a week.

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Speaker 5: Totally, it's about five, so it's not about it is

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Speaker 5: five dollars a week for their cheaper version, but that

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Speaker 5: doesn't cover the extra enemities. So it's ten dollars a

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Speaker 5: week for the more expensive they call it Black Card,

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Speaker 5: and that includes your once a week spray tan, use

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Speaker 5: of the hydro massage, use of the Red Life therapy boots,

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Speaker 5: use of the massage.

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Speaker 4: Chess Is that usd.

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Speaker 5: The more expensive and crazy? And the thing I was

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Speaker 5: thinking is I'm no longer like a regular tanning girly.

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Speaker 5: But back in the day when I was doing my

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Speaker 5: weekly tan you'd use about a bottle a month, right,

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Speaker 5: And if you get like an Isle of Paradise or

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Speaker 5: a Santropez that's about forty bucks a bottle. So for

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Speaker 5: the same price that you were spending on tanning, you

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Speaker 5: could just do the spray can and then you've got

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Speaker 5: a due membership for free. In my mind, ye see,

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Speaker 5: if I've gotten back into tanning, I've done the opposite.

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Speaker 5: I feel like on social media there's like an uprising

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Speaker 5: in influencers who are like, I'm not turning anymore, I'm

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Speaker 5: embracing my pale skin, and I love that for them,

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Speaker 5: but right now I don't feel that comfortable in my skin,

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Speaker 5: and the like I'm sorry you can't deny it. When

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Speaker 5: your body is covered in a coat of spray ten,

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Speaker 5: my confidence increases.

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Speaker 2: I'm sorry. It does something to my ego and at

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Speaker 2: the moment, I need that. Yeah. So I'm just going

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Speaker 2: to roll in ten every week and it's nobody else's business.

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Speaker 2: I'm feeling much better about my body. Thank you for asking, as.

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Speaker 4: You deserve to be.

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Speaker 5: Planet Fitness was also the one. I think I read

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Speaker 5: this in the money in where you can bring a guest.

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Speaker 5: Actually this was your bread tip. You can bring a

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Speaker 5: guest in staffed hours, so it's quite yeah, economical, I

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Speaker 5: feel as well.

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Speaker 2: So I don't know.

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Speaker 5: I've never been to a Planet Fitness, so I can

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Speaker 5: neither confirm or deny it. But I was thinking maybe

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Speaker 5: I should just pay ten bucks one where you can

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Speaker 5: go test the spray tan out.

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Speaker 2: And there's one in Geelong, so it's not weird, yeah

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Speaker 2: Geelong or long close to you.

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Speaker 5: Yeah yeah, there are a few others. That was just

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Speaker 5: the closest one to me anyway.

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Speaker 4: We can one's called Planet Fitness, or that one's called

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Speaker 4: Earth these.

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Speaker 5: Are that's Planet Fitness, Okay, God genus website anyway, enough

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Speaker 5: about them, But I just wanted to follow.

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Speaker 2: What else I feel like, I feel like it's a

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Speaker 2: good conversation to have.

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Speaker 5: Yeah, I just thought the girlies might like to know.

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Speaker 2: We followed up. We did ADDUI And because it's a

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Speaker 2: two way conversation, can you girls tell me what is

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Speaker 2: the best fake ten that I can do at home? Like,

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Speaker 2: I don't want to go get us pray ten every

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Speaker 2: week like I know some people do that. That's just

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Speaker 2: not my journey. That is an admin nightmare. I need

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Speaker 2: something that I can put on at ten pm, Like

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Speaker 2: that's that's the vibe, that's the goal. Tell me what

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Speaker 2: the best at home, like moose ten I think is

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Speaker 2: for me. Yeah, the one that I can put on?

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Speaker 2: What is the most like for you? Non fail? You

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Speaker 2: have one that's weird?

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Speaker 4: I sometimes they were faked what this is? Sometimes it

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Speaker 4: was in the winter. Sometimes I just just for a

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Speaker 4: little bit more orange because I don't I kind of

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Speaker 4: go a bit gray in the winter. Oh yeah, weird.

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Speaker 2: So what are you putting on? What it's called?

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Speaker 4: It like a little bottle and it's you shake it

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Speaker 4: and you it's foamy. It's like moosey. Yeah, foamy everything.

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Speaker 2: Under the sun. Let's take this off list. Okay, and

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Speaker 2: you can tell me which one you recommend, but I

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Speaker 2: just need to know because like they aren't cheap anymore.

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Speaker 2: And that's fine, but like I don't want to spend

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Speaker 2: seventy dollars or sixty dollars or forty dollars on a

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Speaker 2: bottle of fake tan that then makes me look orange.

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Speaker 5: Totally fair.

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Speaker 2: I paid my jues in high school with my orange tan.

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Speaker 2: I don't need to relive that in my thirties.

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Speaker 5: Yah, alright he Next, I've got money in from Jordan,

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Speaker 5: who said she used the online chat to price beat

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Speaker 5: via Bunnings, so she got an extra ten percent off

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Speaker 5: the best price you could find for a carpet cleaner

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Speaker 5: that Amazon had on sale. She ended up saving herself

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Speaker 5: seventy bucks and she picked it up an hour later. Oh, okay,

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Speaker 5: don't forget about the online price beat and you can

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Speaker 5: do it the chatbots if you don't like talking to people.

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Speaker 2: Yeah, sometimes it does feel like awkward when you're like, hey, so,

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Speaker 2: oh can you see the online like this is actually

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Speaker 2: cheaper in this other store? Can you price beat it?

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Speaker 2: Or I could never I do? I absolutely regrets. Yeah, absolutely.

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Speaker 2: Jb Hi Fire hates to see me coming. Yeah, I

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Speaker 2: love a jb unlucky unlucky because I'll just get it

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Speaker 2: up on my phone.

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Speaker 4: And be like.

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Speaker 5: Next, I've got money in from Tess, who said she'd

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Speaker 5: been eyeing the Aora ring for ages but couldn't bring

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Speaker 5: herself to splurge. Then out of nowhere, she won one

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Speaker 5: at her gym.

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Speaker 2: What which is crazy?

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Speaker 5: And I thought this was a good spot to quickly

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Speaker 5: interject because you and I both got these for Christmas.

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Speaker 2: Yes, and we did, and they're so expensive.

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Speaker 5: So expensive, and I love mine, but I will say

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Speaker 5: I wish someone had told me this. Mine looks like

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Speaker 5: shit now and I've had it for maybe a month.

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Speaker 2: Like I don't even want to talk about it, Jessica,

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Speaker 2: I text you a pho show. Yeah, so my husband

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Speaker 2: bought me my Ara ring for Christmas because and do

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Speaker 2: you know what, I will put the link to this

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Speaker 2: in the show notes of this episode. I purchased an

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Speaker 2: Alley Express, which is like direct from China kind of website.

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Speaker 2: It's legit, It's okay. I purchased a dupe Aora ring.

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Speaker 2: So for those of you following along at home, an

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Speaker 2: Ora ring is like it's like it's got the functionality

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Speaker 2: or a lot of the functionality of an Apple Watch.

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Speaker 2: So it's a health tracker. So in my Ura ring,

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Speaker 2: I can track my steps and my heart rate and

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Speaker 2: my sleep and it's been really helpful. And I purchased

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Speaker 2: it because I used to have an Apple Watch, and

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Speaker 2: then I didn't like looking like a spy kid, so

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Speaker 2: I stopped wearing it. But I did still want to

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Speaker 2: track my health, right, but I couldn't commit to the

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Speaker 2: Aura ring price because by the time you buy it

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Speaker 2: a USD currency conversion, it's about seven hundred and fifty dollars,

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Speaker 2: so it is a very expensive purchase. And when I

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Speaker 2: look at the ring online and in like all of

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Speaker 2: the TikTok videos, I looked at it's quite a chunky

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Speaker 2: ring too, and like, I'm not a chunky jewelry kind

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Speaker 2: of gal, so I wasn't even sure if it would

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Speaker 2: be comfortable to wear. So I ended up buying and

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Speaker 2: like researching, surely it's been duped, like the world is

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00:15:08,440 --> 00:15:12,120
Speaker 2: very savvy nowadays. Found it perfect depends on whether you've

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Speaker 2: used Ali Express or not before, but it will cost

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Speaker 2: you anywhere between like seventeen and twenty seven dollars for

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Speaker 2: the basically the same thing. The only thing it doesn't

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Speaker 2: do beck is your temperature. So a lot of people

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Speaker 2: and one of the reasons why my husband then decided

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Speaker 2: to purchase the real quote orring for me was I

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Speaker 2: was in love and still I'm in love with my dupe,

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Speaker 2: my cheap one. Jess Jess had to the cheap one

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Speaker 2: as well. Looks the same. Yeah, it looks great, looks identical,

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Speaker 2: and sadly wears the same. In fact, I think was

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Speaker 2: it like Christmas Day or the day after Christmas. Jess

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Speaker 2: and I were texting, We were like, whoa, we both

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Speaker 2: got orderings, were so excited about it, and then I said,

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Speaker 2: this is really exciting, but low key. Did you expect

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Speaker 2: when you like opened the box and held your orring

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Speaker 2: that it would feel like better quality? And Jess was like,

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Speaker 2: oh my god, yes, because it didn't feel like like

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Speaker 2: better quality than the dupe, like the dupe actually it's

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Speaker 2: the same. In fact, I would say at this point

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Speaker 2: my dupe is in better condition than my aura ring

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Speaker 2: because my aura ring has completely changed color.

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Speaker 1: I see.

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Speaker 7: Yes.

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Speaker 5: I just want to say heads up for anyone who's

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00:16:20,160 --> 00:16:23,000
Speaker 5: thinking about it, is mine is just so scratch scratched.

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Speaker 5: Typically we're on my non dominant hand, which is what

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Speaker 5: they recommend I take it off if I'm doing like

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Speaker 5: I don't, you know, pick up weights or do dishes

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Speaker 5: with it on, Like I try and.

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Speaker 2: Look after it.

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Speaker 5: But even so I've had it for like a month

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Speaker 5: at it looks trashed, which I just thought the chance

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Speaker 5: for was to let people know that because if you're

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Speaker 5: spending I was shocked at truly spending so much money.

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Speaker 5: So much money, I thought it would last longer, so

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Speaker 5: you to do it, And I mean, it probably is

354
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Speaker 5: going to last, but it just doesn't. It doesn't look

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Speaker 5: as nice as it could. And I think that that's

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Speaker 5: it's an important consideration. And like Jess and I think

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Speaker 5: we're on the same page here.

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Speaker 2: We upgraded to the Aura, and like that was something

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Speaker 2: that I was like, oh my god, if I could

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Speaker 2: get that for Christmas, like that would be elite. I

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Speaker 2: really wanted to track my temperature because of fertility. Okay,

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00:17:06,520 --> 00:17:08,879
Speaker 2: so you can use it, Yeah, you can use it

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00:17:08,960 --> 00:17:11,639
Speaker 2: to track your period and use it as in my

364
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Speaker 2: case at some point I want to get pregnant again,

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00:17:13,880 --> 00:17:16,399
Speaker 2: and like that's a really helpful tool to have. But

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Speaker 2: if you don't care about that stuff. I can't see like,

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Speaker 2: and the analytics are obviously deeper on aura, but like, honestly,

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Speaker 2: the Duke, you know when you just like, is it

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Speaker 2: worth It depends on where your values are at, really,

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Speaker 2: but like try the Duke first and then maybe upgrade

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Speaker 2: if you're like, oh I do love this or whatever.

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Speaker 4: It just feels like such a war that sucks that

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Speaker 4: you're like, it's.

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Speaker 2: Even more exciting if you're testing. You win one for free.

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Speaker 2: Oh my god, gym to give away.

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Speaker 4: It's a great pres Wow.

377
00:17:49,440 --> 00:17:51,400
Speaker 5: Next, I've got a money in from Color, who said

378
00:17:51,440 --> 00:17:54,000
Speaker 5: she's returned back to work after taking some time off

379
00:17:54,040 --> 00:17:56,840
Speaker 5: for her cancer treatment. She's managed to pay all of

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Speaker 5: her beginning of the year bills with her very first paycheck,

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00:17:59,600 --> 00:18:01,760
Speaker 5: which is a massive win for her because obviously things

382
00:18:01,800 --> 00:18:03,600
Speaker 5: are getting a bit stressful with not working.

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Speaker 2: Just like, Carl, I hope you're doing well where yes,

384
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Speaker 2: can you update us, like, are you're okay? I know

385
00:18:11,119 --> 00:18:13,040
Speaker 2: that you had your treatment and you're back at work,

386
00:18:13,160 --> 00:18:17,480
Speaker 2: but like you're doing right? Yeah, looking after you and

387
00:18:17,520 --> 00:18:20,280
Speaker 2: making sure one hundred percent. And then also side note,

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Speaker 2: sorry financial advisor comes out in my brain. I don't

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Speaker 2: know if you have any insurances inside your superannuation. But

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00:18:26,720 --> 00:18:30,480
Speaker 2: if you do have like inside your super couple of insurances,

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00:18:30,560 --> 00:18:32,240
Speaker 2: check if you were able to claim on them. So

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Speaker 2: I think a lot of people have this misconception when

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00:18:34,720 --> 00:18:37,520
Speaker 2: it comes to like life and income protection and stuff,

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00:18:37,560 --> 00:18:40,760
Speaker 2: that you can't claim on it unless you die, and

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00:18:41,080 --> 00:18:43,040
Speaker 2: you might actually be able to do what's called a

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00:18:43,080 --> 00:18:45,399
Speaker 2: partial draw down, which is where you can claim on

397
00:18:45,800 --> 00:18:50,359
Speaker 2: your insurance for having a significant health event. So like check,

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00:18:50,600 --> 00:18:52,800
Speaker 2: just check, and it might be no, and then like, Okay,

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00:18:52,920 --> 00:18:55,800
Speaker 2: no worries. You haven't missed out on anything, but you

400
00:18:55,920 --> 00:18:58,920
Speaker 2: might be missing out on some cash if you haven't checked.

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00:18:59,080 --> 00:19:02,000
Speaker 2: So sorry, financial advisor comes out.

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00:19:02,040 --> 00:19:05,400
Speaker 5: I'm sorry. Next, Tiven money went from Emily, who said

403
00:19:05,440 --> 00:19:07,240
Speaker 5: her husband went to Vinnie's and she got a pair

404
00:19:07,359 --> 00:19:10,359
Speaker 5: of brand new ugs that were priced at fifteen bucks.

405
00:19:10,880 --> 00:19:13,159
Speaker 5: What they had ten dollars on their loyalty card, so

406
00:19:13,240 --> 00:19:14,639
Speaker 5: he got them for five dollars.

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00:19:15,000 --> 00:19:21,040
Speaker 2: Than Kmart's, and Kmart's ones aren't even like real. Shirling, Yeah, shurling, shurling,

408
00:19:21,320 --> 00:19:25,680
Speaker 2: that's crazy. That's like the sheep skin word.

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00:19:25,800 --> 00:19:26,399
Speaker 7: That's what that is.

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00:19:26,520 --> 00:19:30,080
Speaker 2: Shirley, that's cooler. You know that yeah, thanks essentially girl.

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00:19:30,280 --> 00:19:32,960
Speaker 2: Oh she used to wear track pants, ugg boots and

412
00:19:33,040 --> 00:19:33,520
Speaker 2: a singlet.

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Speaker 5: And then lastly this week I'm gonna money been from

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Speaker 5: Ashley who said money win seven dollars a kilo for

415
00:19:40,640 --> 00:19:43,080
Speaker 5: Cherry Hill cherries at Colds. Oh that's a gorgeous I

416
00:19:43,119 --> 00:19:44,800
Speaker 5: will be stopping at Colds on my way home.

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00:19:45,840 --> 00:19:48,280
Speaker 2: I love cherries. Do you know what I really want

418
00:19:48,320 --> 00:19:48,520
Speaker 2: to make?

419
00:19:48,640 --> 00:19:48,840
Speaker 4: Side?

420
00:19:48,880 --> 00:19:53,200
Speaker 2: Though I've never had cherry pie? Oh I love that song. Yeah,

421
00:19:53,320 --> 00:19:55,879
Speaker 2: but like I want to try cherry pie. So I

422
00:19:55,920 --> 00:19:57,679
Speaker 2: feel like I'm going to get some cherries that make

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00:19:57,800 --> 00:19:58,840
Speaker 2: like a from scratch.

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00:19:59,040 --> 00:20:01,720
Speaker 4: Yeah. Well today I feel like it's the day for it.

425
00:20:02,119 --> 00:20:02,320
Speaker 7: Something.

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00:20:02,560 --> 00:20:03,960
Speaker 4: There's something sexy about cherry pie.

427
00:20:04,080 --> 00:20:06,840
Speaker 2: Yeah, no, I like it all right, Beck, I need

428
00:20:06,960 --> 00:20:09,439
Speaker 2: to know what are your broke tips for people who

429
00:20:09,520 --> 00:20:10,320
Speaker 2: are actually broke?

430
00:20:10,880 --> 00:20:12,640
Speaker 4: Yes, makes you feel broken?

431
00:20:12,720 --> 00:20:13,600
Speaker 2: I feel like crazy?

432
00:20:14,080 --> 00:20:15,600
Speaker 4: I must I must be missing a reference.

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00:20:15,680 --> 00:20:18,280
Speaker 2: You are missing a massive reference. I'll fill you in

434
00:20:18,560 --> 00:20:22,400
Speaker 2: after the Yeah. Because there's a difference, Beck, I don't

435
00:20:22,400 --> 00:20:23,800
Speaker 2: know if you know this, but there is actually a

436
00:20:23,840 --> 00:20:28,040
Speaker 2: massive difference between feeling broke and actually being broke.

437
00:20:28,119 --> 00:20:29,160
Speaker 4: Oh my god.

438
00:20:29,520 --> 00:20:33,639
Speaker 2: Right, And like if people say they're broke online but

439
00:20:33,800 --> 00:20:36,760
Speaker 2: they're not. They just feel broke a little bit offensive.

440
00:20:37,160 --> 00:20:38,480
Speaker 2: Oh who are actually broke?

441
00:20:38,600 --> 00:20:38,719
Speaker 1: Right?

442
00:20:39,080 --> 00:20:41,879
Speaker 4: It's like I get it, I get that feeling, but

443
00:20:42,000 --> 00:20:45,960
Speaker 4: also it's not fully the same. I think maybe poor

444
00:20:46,080 --> 00:20:48,600
Speaker 4: and broke because it is if you like, have your

445
00:20:48,800 --> 00:20:51,200
Speaker 4: have your savings and you are fine, you're asking, but

446
00:20:51,240 --> 00:20:53,399
Speaker 4: if you've got savings, you're not broke, you're not broke,

447
00:20:53,520 --> 00:20:56,200
Speaker 4: but you're still like, oh, I'm I'm have some extra

448
00:20:56,320 --> 00:20:59,080
Speaker 4: cash to spend probably the way and you've spoken about

449
00:20:59,119 --> 00:21:01,879
Speaker 4: this before, Oh yeah, as somebody who you know has

450
00:21:02,040 --> 00:21:05,719
Speaker 4: very openly and we are very grateful for your generosity

451
00:21:05,800 --> 00:21:07,879
Speaker 4: in terms of you being so open. But you're like,

452
00:21:08,080 --> 00:21:10,399
Speaker 4: it does make me feel like trash when someone's talking

453
00:21:10,440 --> 00:21:13,440
Speaker 4: about like, oh, I'm so broke when you literally are,

454
00:21:13,600 --> 00:21:15,960
Speaker 4: but you know they have savings. Like it does scare me,

455
00:21:16,080 --> 00:21:18,760
Speaker 4: you know, when like someone's like scared about something and

456
00:21:18,840 --> 00:21:20,640
Speaker 4: you're like, oh my god, I feel exactly the same

457
00:21:20,640 --> 00:21:22,000
Speaker 4: as you because we're in the exact same boat. And

458
00:21:22,040 --> 00:21:24,919
Speaker 4: they're like, I'm scared, but here's my safety in net

459
00:21:24,960 --> 00:21:26,639
Speaker 4: and you're like, WHOA, Okay, I don't actually have a

460
00:21:26,680 --> 00:21:29,320
Speaker 4: safe in net. I should be way scared than you.

461
00:21:29,960 --> 00:21:33,000
Speaker 4: And I didn't realize that until you said that. That's

462
00:21:33,000 --> 00:21:34,919
Speaker 4: the kind of feeling. It's like I'm panicked now all

463
00:21:34,960 --> 00:21:35,399
Speaker 4: of a sudden.

464
00:21:35,560 --> 00:21:38,119
Speaker 2: Yeah, and that's not a situation anyone should be in.

465
00:21:38,880 --> 00:21:41,200
Speaker 2: True anyway, any move on from that and I will

466
00:21:41,280 --> 00:21:42,879
Speaker 2: explain the tea that.

467
00:21:43,000 --> 00:21:45,160
Speaker 4: Wo oh my god, I'm so excited. So this first

468
00:21:45,200 --> 00:21:48,640
Speaker 4: one comes from Sophie, who must know me a little

469
00:21:48,640 --> 00:21:51,879
Speaker 4: bit too well because I mentioned a few would have

470
00:21:51,880 --> 00:21:53,919
Speaker 4: been a few months ago. I reckon like this gaming

471
00:21:54,119 --> 00:21:56,880
Speaker 4: app that sounds dodgy, but it's like thing. It's called

472
00:21:56,920 --> 00:21:59,240
Speaker 4: free Cash or something. You download apps, you play games,

473
00:21:59,280 --> 00:22:02,080
Speaker 4: you get money. He's legitimate because you have to watch

474
00:22:02,119 --> 00:22:03,800
Speaker 4: all the ads and stuff it is. Yeah, you do

475
00:22:03,880 --> 00:22:05,119
Speaker 4: have to watch as you don't to spend money. You

476
00:22:05,119 --> 00:22:07,000
Speaker 4: don't have to spend a cent. I've made like seven

477
00:22:07,080 --> 00:22:09,399
Speaker 4: bucks in a few months, but Sophie.

478
00:22:09,400 --> 00:22:13,760
Speaker 2: Seven dollars in a few months I didn't have before.

479
00:22:14,320 --> 00:22:15,359
Speaker 4: And it is fun.

480
00:22:15,600 --> 00:22:18,000
Speaker 2: No judgment, fun, thank you, no judgment. Because I play

481
00:22:18,080 --> 00:22:20,960
Speaker 2: candy Crush and I don't make it exactly.

482
00:22:20,840 --> 00:22:23,320
Speaker 4: But imagine you're useless game totally. Imagine you're just like

483
00:22:23,400 --> 00:22:25,720
Speaker 4: in a scroll whol for hours and you're like, oh man,

484
00:22:25,800 --> 00:22:27,480
Speaker 4: this is so dumb. But then you're like, wait, I

485
00:22:27,520 --> 00:22:30,240
Speaker 4: probably made forty cents today to take.

486
00:22:30,160 --> 00:22:34,280
Speaker 2: Money playing would Q puzzle. I'd be I was earning

487
00:22:34,320 --> 00:22:38,520
Speaker 2: money from watching tiktoks. I would be wealthy, and there was.

488
00:22:38,520 --> 00:22:39,320
Speaker 4: Probably a way to do that.

489
00:22:40,160 --> 00:22:40,960
Speaker 2: There's no figure it out.

490
00:22:41,080 --> 00:22:44,240
Speaker 4: We'll figure it out. So Sophie said that shop Back

491
00:22:44,359 --> 00:22:47,040
Speaker 4: actually have games on there. Sorry what Yeah, And so

492
00:22:47,200 --> 00:22:51,119
Speaker 4: Sophie made fifty bucks. I haven't like, fully, Sophie fifty dollars?

493
00:22:51,200 --> 00:22:54,960
Speaker 4: I know, isn't it so good looking into this? Yeah?

494
00:22:55,000 --> 00:22:56,720
Speaker 4: That that that would have taken me like a year

495
00:22:56,800 --> 00:22:57,120
Speaker 4: to make.

496
00:22:57,280 --> 00:22:59,199
Speaker 2: So this is really in your gaming app. You need

497
00:22:59,240 --> 00:23:02,000
Speaker 2: to I don't need free game anymore. I need shot

498
00:23:02,080 --> 00:23:03,920
Speaker 2: Back shot back game. So I'm going to be checking that.

499
00:23:04,119 --> 00:23:05,920
Speaker 4: I just wanted to let everyone know please check shot

500
00:23:05,960 --> 00:23:06,360
Speaker 4: back games.

501
00:23:06,560 --> 00:23:06,840
Speaker 2: Okay.

502
00:23:06,880 --> 00:23:09,600
Speaker 4: And then the next one comes from Amrita, who says,

503
00:23:09,720 --> 00:23:13,080
Speaker 4: if you check your spam, make sure there's definitely difference

504
00:23:13,080 --> 00:23:16,479
Speaker 4: between spam and scam. I noticed this the other day too.

505
00:23:17,040 --> 00:23:19,800
Speaker 4: Obviously you get your like all the promotional stuff in

506
00:23:19,880 --> 00:23:23,080
Speaker 4: your junk inbox. But and Marita said that she found

507
00:23:23,200 --> 00:23:25,920
Speaker 4: an email from my car auto you know, the kmart

508
00:23:26,640 --> 00:23:29,639
Speaker 4: offering her one hundred dollars off and seventeen cents Oh

509
00:23:29,760 --> 00:23:34,240
Speaker 4: did you Yeah, seventeen cents off petrol at Coal's Express.

510
00:23:34,920 --> 00:23:38,560
Speaker 2: And that's not seventeen cents off is it's so good.

511
00:23:38,800 --> 00:23:41,800
Speaker 4: And I believe it's seventeen cents off petrol is for

512
00:23:42,000 --> 00:23:43,600
Speaker 4: like eight weeks, like two months or something, which is

513
00:23:43,680 --> 00:23:47,000
Speaker 4: like a big chunk of time. So that's why I

514
00:23:47,080 --> 00:23:48,560
Speaker 4: know it's a dumb break tip because I'm like, I'm

515
00:23:48,600 --> 00:23:50,080
Speaker 4: telling you to check your spam, but.

516
00:23:50,600 --> 00:23:53,800
Speaker 5: Don't forget my car points lover coming in my car.

517
00:23:53,960 --> 00:23:56,080
Speaker 5: You can get FLYBYCE points when you do your services there.

518
00:23:56,359 --> 00:23:58,520
Speaker 5: I didn't know that your tires and stuff and they

519
00:23:58,600 --> 00:24:00,399
Speaker 5: I don't know if it's all services, but I know

520
00:24:00,520 --> 00:24:02,359
Speaker 5: with my last but maybe it's a deal that they run.

521
00:24:02,440 --> 00:24:03,000
Speaker 2: But look into it.

522
00:24:03,520 --> 00:24:06,040
Speaker 5: I got a year of free roadside assistance with my sermon.

523
00:24:06,200 --> 00:24:07,280
Speaker 4: Yes, I always get one of those.

524
00:24:07,359 --> 00:24:09,520
Speaker 5: Yes, So don't like, don't pay for roadsid assistance, just

525
00:24:09,960 --> 00:24:10,840
Speaker 5: totally do you know what I mean?

526
00:24:10,920 --> 00:24:11,520
Speaker 2: Double stack it?

527
00:24:11,600 --> 00:24:13,679
Speaker 4: Oh my god, double stack it. God, You're so smart,

528
00:24:14,080 --> 00:24:16,320
Speaker 4: You're so smart with your words. And then this next

529
00:24:16,320 --> 00:24:20,680
Speaker 4: one comes from myself. Obviously it's Valentine's Day and my

530
00:24:21,200 --> 00:24:24,680
Speaker 4: pacycle falls on the fifteenth, and so oh no, I know.

531
00:24:24,920 --> 00:24:27,119
Speaker 4: So I'm like, well, all this and also mine just

532
00:24:27,200 --> 00:24:29,399
Speaker 4: as anniversaries on the seventh of February, so it's seventh

533
00:24:29,400 --> 00:24:32,040
Speaker 4: of February, fourteenth of February. I'm like, I ain't got

534
00:24:32,240 --> 00:24:34,520
Speaker 4: any money left. That's savings, that's everything. I've got no

535
00:24:34,640 --> 00:24:38,399
Speaker 4: money left for arguably one of the biggest times of

536
00:24:38,480 --> 00:24:42,480
Speaker 4: the entire year for me and my partner. So I

537
00:24:42,880 --> 00:24:45,520
Speaker 4: decided to take up a few different hobbies that were

538
00:24:45,560 --> 00:24:49,439
Speaker 4: really really cheap. So crocheted a big love heart pillow.

539
00:24:50,280 --> 00:24:52,280
Speaker 2: Why the sweet.

540
00:24:53,760 --> 00:24:55,359
Speaker 4: That's very sweet, But I just want you guys to

541
00:24:55,400 --> 00:24:58,080
Speaker 4: know that it literally costs, like I think I was

542
00:24:58,160 --> 00:25:01,200
Speaker 4: thirteen dollars in total. That's the stuff, that's the yard,

543
00:25:01,359 --> 00:25:04,200
Speaker 4: that's the crochet needle. But you actually use my finger

544
00:25:04,240 --> 00:25:05,000
Speaker 4: because it was so thick.

545
00:25:05,359 --> 00:25:07,960
Speaker 2: You crocheted with your fingers. Yeah, my finger was so

546
00:25:08,040 --> 00:25:10,400
Speaker 2: you're a crochet with your fingers and I'm an ally.

547
00:25:10,480 --> 00:25:12,680
Speaker 4: Yes, yeah, no, gorgeous.

548
00:25:13,160 --> 00:25:16,160
Speaker 2: Imagine the power. We have so much power.

549
00:25:18,720 --> 00:25:22,240
Speaker 4: So that was, honestly, yeah, because the croshet neodle was

550
00:25:22,359 --> 00:25:25,200
Speaker 4: not actually needed. I used my finger instead. That was

551
00:25:25,280 --> 00:25:26,720
Speaker 4: probably eight dollars in total.

552
00:25:27,000 --> 00:25:27,399
Speaker 3: And that's a.

553
00:25:27,480 --> 00:25:29,560
Speaker 4: Gorgeous gift you straight with a bit of your perfume.

554
00:25:29,720 --> 00:25:32,439
Speaker 4: Gorgeous and you're so sweet.

555
00:25:33,280 --> 00:25:35,679
Speaker 2: Can you imagine in the rip out party?

556
00:25:36,000 --> 00:25:41,800
Speaker 5: Absolutely not, absolutely not, like I'm leaving vicariously through you.

557
00:25:42,240 --> 00:25:46,920
Speaker 4: That's so cute. Well suggestions if you got The next

558
00:25:47,000 --> 00:25:50,359
Speaker 4: one is actually I also took up pottery and literally

559
00:25:50,440 --> 00:25:52,919
Speaker 4: with like the firing and all this, like legitimate pottery.

560
00:25:53,040 --> 00:25:56,920
Speaker 2: I saw on your instagram your pottery creations. They were

561
00:25:57,240 --> 00:25:58,680
Speaker 2: so cute. Yes, thank you.

562
00:25:58,840 --> 00:26:01,680
Speaker 4: So I have, you know, a match box which I'll

563
00:26:01,720 --> 00:26:05,680
Speaker 4: share online, matchbox ceramic that is usable. I'm trying to

564
00:26:05,680 --> 00:26:07,959
Speaker 4: figure functional is the way I'm thinking of. And then

565
00:26:08,400 --> 00:26:10,440
Speaker 4: obviously all these other little trinkets and things like that,

566
00:26:10,560 --> 00:26:13,159
Speaker 4: and the whole so cute. The whole thing was like

567
00:26:13,520 --> 00:26:16,120
Speaker 4: the fifteen dollars for ten killers of clay, which is gigantic.

568
00:26:16,160 --> 00:26:17,800
Speaker 4: It's gonna last for the rest of my life. And

569
00:26:17,920 --> 00:26:20,119
Speaker 4: then to actually get everything fired is like, I don't know,

570
00:26:20,200 --> 00:26:21,720
Speaker 4: it's ten dollars a kilo or something.

571
00:26:21,800 --> 00:26:24,440
Speaker 2: When you say to get everything fired, oh sorry, you

572
00:26:24,680 --> 00:26:27,560
Speaker 2: take it somewhere and you just get it fired, like

573
00:26:27,760 --> 00:26:29,399
Speaker 2: is there like a clay shop.

574
00:26:29,600 --> 00:26:31,440
Speaker 4: Yes, well this didn't make any sense to me before

575
00:26:31,440 --> 00:26:33,680
Speaker 4: I did this, but my my friend actually told me,

576
00:26:33,760 --> 00:26:36,280
Speaker 4: so you have to go to a pottery. I go

577
00:26:36,400 --> 00:26:38,440
Speaker 4: to Northot Pottery, which is actually not in Northgate's in

578
00:26:38,480 --> 00:26:44,359
Speaker 4: Brunswick East. They're just Google pottery supplies near you fire

579
00:26:44,440 --> 00:26:46,639
Speaker 4: things for you. They also fire things and so you.

580
00:26:46,920 --> 00:26:50,160
Speaker 4: Firstly I had no idea. Yes, and so my friend

581
00:26:50,240 --> 00:26:52,200
Speaker 4: I get that was a hobby that was out of reach.

582
00:26:52,240 --> 00:26:54,240
Speaker 4: Oh my god, totally I thought the same thing. But

583
00:26:54,280 --> 00:26:58,240
Speaker 4: I would recommend stoneware clay. It's easier for beginners to like,

584
00:26:58,359 --> 00:27:01,240
Speaker 4: it's malleable whatever. So you go in and then you

585
00:27:01,359 --> 00:27:04,920
Speaker 4: do one firing. You glaze it, you paint it, You

586
00:27:05,040 --> 00:27:07,520
Speaker 4: paint it, you glaze it, you fire again. That's it,

587
00:27:08,280 --> 00:27:10,120
Speaker 4: which sounds very You are.

588
00:27:10,200 --> 00:27:14,120
Speaker 2: So creative and tell people will have partners that I'll

589
00:27:14,200 --> 00:27:17,640
Speaker 2: like tonight. They're going to be like I thought about

590
00:27:17,680 --> 00:27:21,720
Speaker 2: getting you flowers. I thought about taking you out for dinner.

591
00:27:22,840 --> 00:27:25,280
Speaker 2: I thought about thoughts dump him.

592
00:27:25,560 --> 00:27:27,320
Speaker 4: No, thoughts aren't paying the bills.

593
00:27:27,880 --> 00:27:32,800
Speaker 2: If you guys could see beck, Yes, what's just wearing today?

594
00:27:34,240 --> 00:27:37,440
Speaker 4: Well this is really it was quite a festive jumper.

595
00:27:38,080 --> 00:27:39,200
Speaker 2: It's pink and red.

596
00:27:39,280 --> 00:27:42,960
Speaker 4: It's pink and red. It's beautiful, it's romantic, and if

597
00:27:43,040 --> 00:27:44,720
Speaker 4: I squint my eyes a little bit and look a

598
00:27:44,760 --> 00:27:48,720
Speaker 4: bit closer, it actually reads dump him. And so I

599
00:27:48,760 --> 00:27:52,440
Speaker 4: think it's like, maybe it's on brand for today in

600
00:27:52,800 --> 00:27:57,880
Speaker 4: big red, big red writing letters it says dump him.

601
00:27:58,240 --> 00:27:59,959
Speaker 4: So I think it's a reminder to anyone out there,

602
00:28:00,680 --> 00:28:02,720
Speaker 4: whether you're doing a he or her, if they're not

603
00:28:02,760 --> 00:28:08,040
Speaker 4: putting in the effort, then friends are the best alternative

604
00:28:08,160 --> 00:28:11,479
Speaker 4: to and the best everything. But you don't need a partner.

605
00:28:11,640 --> 00:28:13,399
Speaker 4: And if they're not putting effort, go to your friends

606
00:28:13,480 --> 00:28:15,119
Speaker 4: and have a nice Galanine's day.

607
00:28:15,720 --> 00:28:17,800
Speaker 2: Not hand sculpting you Clay, Yes.

608
00:28:17,840 --> 00:28:21,840
Speaker 4: Is that exactly exactly?

609
00:28:23,160 --> 00:28:25,000
Speaker 2: Someone is going to have to let this man in

610
00:28:25,119 --> 00:28:27,720
Speaker 2: on the secret I'll him off.

611
00:28:27,960 --> 00:28:28,639
Speaker 5: Well, I love that.

612
00:28:28,760 --> 00:28:30,920
Speaker 2: I feel like that is very wholesome. Let's go to

613
00:28:31,000 --> 00:28:33,159
Speaker 2: a really quick break. On the flip side, we are

614
00:28:33,200 --> 00:28:35,960
Speaker 2: going to be having a chat about not being fairly

615
00:28:36,040 --> 00:28:38,440
Speaker 2: compensated at work, which is going to be hard and

616
00:28:38,800 --> 00:28:41,080
Speaker 2: something you slid into our d MS about this week.

617
00:28:41,120 --> 00:28:43,720
Speaker 2: We're talking what to do when you and your partner

618
00:28:43,720 --> 00:28:47,800
Speaker 2: aren't aligned on your joint goals not on Valentine's Day.

619
00:28:48,120 --> 00:28:49,680
Speaker 4: A savage.

620
00:28:54,360 --> 00:28:56,880
Speaker 5: Welcome back everybody. Let's take a listen to this week's

621
00:28:56,960 --> 00:28:57,880
Speaker 5: money dilemma.

622
00:29:00,480 --> 00:29:00,560
Speaker 6: Hi.

623
00:29:00,720 --> 00:29:03,080
Speaker 2: There, have you got a money dilemma you just can't

624
00:29:03,160 --> 00:29:05,760
Speaker 2: solve that. She's on the Money Team is here to help.

625
00:29:06,200 --> 00:29:09,160
Speaker 2: Every week we tackle your dilemmas, both big and small,

626
00:29:09,240 --> 00:29:12,280
Speaker 2: to answer your most burning money, career and life questions.

627
00:29:12,560 --> 00:29:15,040
Speaker 2: To get involved, simply head to our website and leave

628
00:29:15,120 --> 00:29:17,200
Speaker 2: us a short voice recording and you might just find

629
00:29:17,240 --> 00:29:19,840
Speaker 2: yourself on the show. Now, let's take a listen to

630
00:29:20,000 --> 00:29:21,200
Speaker 2: this week's money dilemma.

631
00:29:24,480 --> 00:29:28,840
Speaker 7: Hi, my issue is about pay rises and job title change.

632
00:29:29,440 --> 00:29:31,520
Speaker 7: So I work as a product developer for a medium

633
00:29:31,560 --> 00:29:34,560
Speaker 7: sized fashion brand and our product team consists of my

634
00:29:34,680 --> 00:29:37,520
Speaker 7: manager who's the head of product, another product developer, and

635
00:29:37,600 --> 00:29:39,840
Speaker 7: a print coordinator. We used to have a fashion designer.

636
00:29:39,880 --> 00:29:42,960
Speaker 7: As of that they've fired her. During our either review,

637
00:29:43,040 --> 00:29:45,680
Speaker 7: we was discussed that we were understaffed and overworked, so

638
00:29:45,800 --> 00:29:49,880
Speaker 7: we'll be hiring someone new to help us out. Shortly after,

639
00:29:49,960 --> 00:29:52,560
Speaker 7: the other product developer announced she was pregnant, so our

640
00:29:52,760 --> 00:29:54,840
Speaker 7: new hire was going to turn into a maternity lived

641
00:29:54,880 --> 00:29:57,960
Speaker 7: cover due to personal reasons my manager has moved away

642
00:29:58,000 --> 00:30:00,680
Speaker 7: for six months and we'll be working remotely print corner

643
00:30:00,680 --> 00:30:02,880
Speaker 7: it has just quit. But don't live in a major city,

644
00:30:02,920 --> 00:30:05,320
Speaker 7: so it's hard to find someone with the right experience.

645
00:30:05,400 --> 00:30:07,320
Speaker 7: And now my manager's not in town, she won't be

646
00:30:07,320 --> 00:30:09,760
Speaker 7: able to train someone new. So what was the team

647
00:30:09,800 --> 00:30:12,160
Speaker 7: of five has now become a team of two who

648
00:30:12,280 --> 00:30:14,760
Speaker 7: is just me and my boss who was working remotely.

649
00:30:15,880 --> 00:30:18,760
Speaker 7: I've now been tasked with handling print work, fashion design,

650
00:30:18,800 --> 00:30:21,240
Speaker 7: and product development. Last year, we had three full time

651
00:30:21,280 --> 00:30:23,120
Speaker 7: staff members for these roles, and now it's just me.

652
00:30:23,680 --> 00:30:25,720
Speaker 7: This is casually mentioned to me in a group setting

653
00:30:26,240 --> 00:30:29,920
Speaker 7: for framed as an opportunity for me to grow. Last year,

654
00:30:29,960 --> 00:30:31,760
Speaker 7: I did ask for a pay rise and I was

655
00:30:31,840 --> 00:30:34,560
Speaker 7: told that growth isn't linear and that my role depends

656
00:30:34,600 --> 00:30:37,840
Speaker 7: on experience over time. As I don't have KPIs. I

657
00:30:37,880 --> 00:30:41,520
Speaker 7: suspect asking for another pay rise will mean she'll just

658
00:30:41,600 --> 00:30:44,240
Speaker 7: say that it's temporary for the next six months and

659
00:30:44,560 --> 00:30:47,600
Speaker 7: once the other developer comes back, the role will change again.

660
00:30:48,200 --> 00:30:50,200
Speaker 7: Help me, please, I can send you more in for

661
00:30:50,840 --> 00:30:51,560
Speaker 7: mo gay.

662
00:30:53,040 --> 00:30:55,080
Speaker 4: I Did you say mo gay?

663
00:30:55,720 --> 00:31:01,400
Speaker 2: I said okay, okay, mogay does doesn't make sense like

664
00:31:01,520 --> 00:31:02,880
Speaker 2: even problems.

665
00:31:07,160 --> 00:31:10,080
Speaker 4: This sounds really that this this is so annoying. One

666
00:31:10,080 --> 00:31:12,160
Speaker 4: of my biggest pet peas. Maybe it's not identical to

667
00:31:12,240 --> 00:31:16,680
Speaker 4: what our listener is talking about, but when companies, either

668
00:31:17,000 --> 00:31:21,960
Speaker 4: strategically or accidentally or whatever, make the team a little

669
00:31:22,000 --> 00:31:24,520
Speaker 4: bit less and less, like every year, just subtly and

670
00:31:24,760 --> 00:31:29,320
Speaker 4: like give each person, pre existing person more responsibilities until

671
00:31:29,360 --> 00:31:32,640
Speaker 4: they have so little people in their team that they

672
00:31:32,640 --> 00:31:34,400
Speaker 4: don't have to pay that much. But everyone they're still

673
00:31:34,440 --> 00:31:34,960
Speaker 4: doing all the work.

674
00:31:35,000 --> 00:31:35,760
Speaker 5: That's what I'm trying to say.

675
00:31:35,840 --> 00:31:38,320
Speaker 4: And that's that annoys me. But I don't have any

676
00:31:38,920 --> 00:31:40,560
Speaker 4: advice that Victoria could give.

677
00:31:41,600 --> 00:31:43,160
Speaker 2: What about advice that you would give.

678
00:31:43,960 --> 00:31:50,080
Speaker 4: I would find a whole different place to work, I

679
00:31:50,080 --> 00:31:55,160
Speaker 4: would start. Yeah, I would be leaving there as soon

680
00:31:55,240 --> 00:31:55,800
Speaker 4: as possible.

681
00:31:55,880 --> 00:31:56,880
Speaker 2: So Beg's over and out.

682
00:31:57,120 --> 00:31:57,880
Speaker 1: Yeah I am.

683
00:31:58,000 --> 00:32:00,800
Speaker 4: And I think I just we're not just numbers, were

684
00:32:00,840 --> 00:32:04,440
Speaker 4: not money makers. We're just where like they't haven't seen

685
00:32:04,520 --> 00:32:07,120
Speaker 4: that already been there, they haven't like kind of been like,

686
00:32:07,120 --> 00:32:08,640
Speaker 4: oh wow, we're really putting a lot of pressure on

687
00:32:09,360 --> 00:32:10,520
Speaker 4: our team already.

688
00:32:10,560 --> 00:32:10,840
Speaker 3: Then I.

689
00:32:12,440 --> 00:32:13,760
Speaker 4: I just think you should leave. I just think you

690
00:32:13,800 --> 00:32:15,360
Speaker 4: need the stuff from scratch, you need to get out

691
00:32:15,400 --> 00:32:17,880
Speaker 4: of their asap and maybe that's bad advice.

692
00:32:18,560 --> 00:32:21,240
Speaker 2: No, that's not bad advice. It's advice from a friend.

693
00:32:21,760 --> 00:32:24,120
Speaker 2: That's true, the advice from a friend, your friend.

694
00:32:24,320 --> 00:32:28,160
Speaker 4: I'm your friend exactly, but it could be redeemable. Mmm, Jess,

695
00:32:28,240 --> 00:32:30,880
Speaker 4: what are your thoughts. Well, you said that it's your

696
00:32:31,080 --> 00:32:32,920
Speaker 4: Severie has said that it's based on the breadth of

697
00:32:33,000 --> 00:32:34,520
Speaker 4: your role rather than role.

698
00:32:35,280 --> 00:32:36,120
Speaker 2: She was going to go down.

699
00:32:38,800 --> 00:32:41,040
Speaker 5: Oh that's great to year because the breadth of my

700
00:32:41,200 --> 00:32:43,880
Speaker 5: role has expanded to include three other people's jobs. So

701
00:32:44,000 --> 00:32:47,280
Speaker 5: by your definition, I should be earning all of their salaries.

702
00:32:48,680 --> 00:32:53,160
Speaker 2: God is so embarrassing. Sorry, carry on.

703
00:32:53,360 --> 00:32:56,160
Speaker 5: Just obviously they're not going to do that. But I

704
00:32:56,240 --> 00:32:58,440
Speaker 5: would argue that you're in quite a position of power

705
00:32:58,640 --> 00:33:00,840
Speaker 5: like they have lost. Oh yeah, you are in a

706
00:33:01,000 --> 00:33:04,000
Speaker 5: massive position effect. You probably don't feel that way right now,

707
00:33:04,080 --> 00:33:06,920
Speaker 5: but you are, my friend. They've lost every staff member

708
00:33:07,000 --> 00:33:08,760
Speaker 5: but one who is remote.

709
00:33:08,800 --> 00:33:10,360
Speaker 2: You'rely and it's your manager.

710
00:33:10,520 --> 00:33:12,840
Speaker 5: It's your manager. You're the only one holding down the fort.

711
00:33:13,240 --> 00:33:16,120
Speaker 5: You've just told me it's very difficult to hire into

712
00:33:16,200 --> 00:33:19,040
Speaker 5: your job. Everything that you have just said says to

713
00:33:19,160 --> 00:33:21,080
Speaker 5: me that they can't afford to lose you.

714
00:33:22,000 --> 00:33:22,680
Speaker 2: Like, do you know what I mean.

715
00:33:23,000 --> 00:33:25,680
Speaker 5: And obviously, if you're not being looked after, as Beck said,

716
00:33:25,760 --> 00:33:27,280
Speaker 5: get the hell out of there. But I would be

717
00:33:27,280 --> 00:33:29,640
Speaker 5: sitting down with your manager and saying, hey, I'm doing

718
00:33:29,680 --> 00:33:33,160
Speaker 5: the jobs of three people. You haven't replaced any of them.

719
00:33:33,640 --> 00:33:35,640
Speaker 5: I've taken on all of their workload, or we've split

720
00:33:35,680 --> 00:33:38,440
Speaker 5: it between myself and my manager. However it's worked, list

721
00:33:38,520 --> 00:33:40,040
Speaker 5: out all the things that you're doing that you weren't

722
00:33:40,080 --> 00:33:43,120
Speaker 5: doing before and say hey, like, either you compensate me

723
00:33:43,160 --> 00:33:46,600
Speaker 5: for this, I just can't do it actually, yeah, or

724
00:33:47,080 --> 00:33:49,280
Speaker 5: I'm getting out of here. Yeah, those are your options.

725
00:33:50,000 --> 00:33:51,200
Speaker 4: Yeah, it's so good.

726
00:33:51,360 --> 00:33:54,720
Speaker 2: It's an interesting conversation to have because I think a

727
00:33:54,800 --> 00:33:56,560
Speaker 2: lot of us go oh, it can be absorbed and

728
00:33:56,600 --> 00:34:00,360
Speaker 2: you go, yeah, of course. And I mean in our team, happen.

729
00:34:00,440 --> 00:34:03,080
Speaker 2: We're a tiny team, so you know, if someone leaves

730
00:34:03,360 --> 00:34:06,680
Speaker 2: or if you know, let's a good example, someone's on holiday,

731
00:34:06,800 --> 00:34:08,880
Speaker 2: I'll be like, hey, Jess, can you help out for X,

732
00:34:09,040 --> 00:34:12,680
Speaker 2: Y Z. And I feel like that's very different. No, no, no,

733
00:34:12,840 --> 00:34:15,360
Speaker 2: it is very different. But like you'll shift around what

734
00:34:15,440 --> 00:34:17,239
Speaker 2: you're doing and put a few things off so that

735
00:34:17,520 --> 00:34:19,640
Speaker 2: in your thirty eight hours of work a week, like

736
00:34:19,840 --> 00:34:23,359
Speaker 2: you can accommodate a few extra tasks, but if I said,

737
00:34:23,480 --> 00:34:27,760
Speaker 2: can you please take on Brooklyn George's roles, your current

738
00:34:27,960 --> 00:34:30,799
Speaker 2: role needs to step back as well, because you're telling

739
00:34:30,880 --> 00:34:33,680
Speaker 2: me that there's going to be more capabilities that I

740
00:34:33,840 --> 00:34:36,200
Speaker 2: need to fulfill each and every single week. But at

741
00:34:36,200 --> 00:34:38,040
Speaker 2: the end of the day, you're actually only paying me

742
00:34:38,120 --> 00:34:40,680
Speaker 2: for thirty eight hours a week, like you are paying

743
00:34:40,840 --> 00:34:44,200
Speaker 2: me to be present for those hours. So I would

744
00:34:44,200 --> 00:34:46,960
Speaker 2: be sitting down and going okay, cool, like I do

745
00:34:47,080 --> 00:34:48,840
Speaker 2: all of these things, and you've just given me a

746
00:34:48,880 --> 00:34:51,120
Speaker 2: list of other things you want me to do. Which

747
00:34:51,160 --> 00:34:53,640
Speaker 2: ones are going to take a cut? Like which ones

748
00:34:53,680 --> 00:34:54,439
Speaker 2: am I not doing?

749
00:34:54,880 --> 00:34:55,880
Speaker 4: So like I do?

750
00:34:56,160 --> 00:34:57,879
Speaker 2: And you might want to break down the role because

751
00:34:57,960 --> 00:35:00,560
Speaker 2: like they can't really argue with this. You want me

752
00:35:00,640 --> 00:35:03,719
Speaker 2: to break down the role into okay, well, you know, don't.

753
00:35:03,719 --> 00:35:05,920
Speaker 2: I don't really know what you do because I know

754
00:35:06,040 --> 00:35:11,040
Speaker 2: you developer, but I don't know what this means. When

755
00:35:11,080 --> 00:35:13,040
Speaker 2: you said print coordinator, I was like, I don't know

756
00:35:13,120 --> 00:35:16,319
Speaker 2: what a print coordinator is, but they must be important

757
00:35:16,560 --> 00:35:19,919
Speaker 2: because you've said you've lost them, so you had five

758
00:35:20,080 --> 00:35:23,600
Speaker 2: people and you do not have the capacity to do

759
00:35:23,800 --> 00:35:26,040
Speaker 2: all of those roles. So I would be sitting down

760
00:35:26,080 --> 00:35:28,400
Speaker 2: and going okay, cool, Like, I do my job for

761
00:35:28,440 --> 00:35:29,880
Speaker 2: thirty eight hours a week. Did you want me to

762
00:35:29,960 --> 00:35:32,480
Speaker 2: like allocate fridays to doing parts of her job?

763
00:35:33,320 --> 00:35:33,480
Speaker 1: Oh?

764
00:35:33,640 --> 00:35:35,680
Speaker 2: Yes, no, maybe, no, no, no, we're hoping you can

765
00:35:35,719 --> 00:35:38,319
Speaker 2: do it on top of that. Okay, Well, one, when

766
00:35:38,320 --> 00:35:41,239
Speaker 2: am I finding the time? Because that's actually really unreasonable

767
00:35:41,320 --> 00:35:44,879
Speaker 2: to expect. But two, no worries. Back to what Jess

768
00:35:45,000 --> 00:35:47,640
Speaker 2: was saying. You said, growth isn't linear. It's going to

769
00:35:47,680 --> 00:35:49,400
Speaker 2: be based on you know, what I take on, And

770
00:35:49,520 --> 00:35:51,719
Speaker 2: that's fine. So if I'm taking this on for this

771
00:35:51,920 --> 00:35:56,279
Speaker 2: period of time, I do actually expect to be compensated.

772
00:35:56,560 --> 00:35:59,799
Speaker 2: And I know that our listener wrote in or voice

773
00:36:00,160 --> 00:36:03,920
Speaker 2: it in and said, you know, maybe I would revert

774
00:36:04,040 --> 00:36:07,680
Speaker 2: back to the original salary, Like and let's pretend you

775
00:36:07,760 --> 00:36:09,239
Speaker 2: really want to stay in this job and it's not

776
00:36:09,320 --> 00:36:13,400
Speaker 2: about leaving and finding somewhere that values you. Maybe that

777
00:36:13,560 --> 00:36:16,960
Speaker 2: actually never happens, like because after six months, let's pretend

778
00:36:17,040 --> 00:36:19,680
Speaker 2: that Maternity Live Cover comes back and you know, other

779
00:36:19,719 --> 00:36:22,359
Speaker 2: people are on the team and they go, oh, we're

780
00:36:22,400 --> 00:36:24,640
Speaker 2: going to put you back to your other salary. I

781
00:36:24,680 --> 00:36:28,480
Speaker 2: would go, Okay, great, noise who's taking those jobs off me?

782
00:36:28,600 --> 00:36:31,000
Speaker 2: Because I can almost guarantee they won't take the jobs

783
00:36:31,080 --> 00:36:33,640
Speaker 2: off you, and at that point they can't revert your

784
00:36:33,680 --> 00:36:35,799
Speaker 2: payback because you'll be like, cool, So are you saying

785
00:36:35,840 --> 00:36:37,080
Speaker 2: that you now want to pay me less to do

786
00:36:37,160 --> 00:36:39,120
Speaker 2: the same job, or are you actually going to be

787
00:36:39,239 --> 00:36:40,920
Speaker 2: taking that off me? Because if you're going to be

788
00:36:40,960 --> 00:36:43,840
Speaker 2: taking that off me, great, And I'm not going to

789
00:36:43,840 --> 00:36:45,840
Speaker 2: beat around the bush here. You don't need to be

790
00:36:45,920 --> 00:36:48,279
Speaker 2: paid for the two people's roles if you're not doing

791
00:36:48,320 --> 00:36:50,560
Speaker 2: the two people's roles. But I can almost guarantee that

792
00:36:50,560 --> 00:36:52,400
Speaker 2: if you've taken this on and proven to them that

793
00:36:52,480 --> 00:36:55,080
Speaker 2: you do it, and you're doing it really well, this

794
00:36:55,160 --> 00:36:57,799
Speaker 2: sounds like a company that's probably not going to hire

795
00:36:57,880 --> 00:37:01,640
Speaker 2: if they don't need to. If you're proving capable and

796
00:37:01,760 --> 00:37:04,600
Speaker 2: confident in that role. We're not talking about burnout or

797
00:37:04,600 --> 00:37:06,640
Speaker 2: we're not like you need to take all those things

798
00:37:06,680 --> 00:37:09,839
Speaker 2: into consideration. But the likelihood of them actually dropping your

799
00:37:09,920 --> 00:37:12,719
Speaker 2: salary back to what it was before would mean that

800
00:37:12,800 --> 00:37:14,480
Speaker 2: they would have to sit down and talk to you

801
00:37:14,840 --> 00:37:17,960
Speaker 2: about the fact that they're taking capabilities off you. Because

802
00:37:17,960 --> 00:37:19,799
Speaker 2: if they said, oh, Beck, it's been six months, we've

803
00:37:19,840 --> 00:37:22,160
Speaker 2: hired this person, you go, cool, how's my job changed?

804
00:37:23,680 --> 00:37:24,520
Speaker 2: Embarrassing for them?

805
00:37:25,160 --> 00:37:25,440
Speaker 4: True?

806
00:37:26,000 --> 00:37:29,680
Speaker 2: So also you mentioned that you don't have KPIs. Not

807
00:37:29,800 --> 00:37:33,160
Speaker 2: every business has KPIs. We don't. She's on the money,

808
00:37:33,200 --> 00:37:35,600
Speaker 2: we don't have KPIs, like just doesn't have any. But

809
00:37:36,040 --> 00:37:40,560
Speaker 2: that doesn't limit her. So what that says to me

810
00:37:41,000 --> 00:37:44,560
Speaker 2: is that the business is using their lack of framework

811
00:37:45,440 --> 00:37:49,120
Speaker 2: to not support you in your growth. I would be

812
00:37:49,200 --> 00:37:51,480
Speaker 2: asking for KPIs and even.

813
00:37:51,320 --> 00:37:53,160
Speaker 5: Just chalking up what you do because you're totally right, like,

814
00:37:53,200 --> 00:37:54,960
Speaker 5: I don't have set KPIs that I work towards. Have

815
00:37:55,040 --> 00:37:56,759
Speaker 5: you said to me, what have you done? You know

816
00:37:56,880 --> 00:37:58,680
Speaker 5: in the last yar, Oh, I know what you've done.

817
00:38:01,360 --> 00:38:03,120
Speaker 5: It's so I can think of ten things off the

818
00:38:03,160 --> 00:38:04,399
Speaker 5: top of my head that I would go, oh, I've

819
00:38:04,400 --> 00:38:07,279
Speaker 5: done this and that, Like, I'm sure in whatever job

820
00:38:07,360 --> 00:38:09,640
Speaker 5: you do, it would be the same yep. And if

821
00:38:09,640 --> 00:38:11,319
Speaker 5: you're not sure what that looks like, maybe look at

822
00:38:11,360 --> 00:38:14,840
Speaker 5: other job descriptions or roll descriptions for your job and

823
00:38:14,920 --> 00:38:17,120
Speaker 5: look at what the kind of key markers are within

824
00:38:17,200 --> 00:38:19,799
Speaker 5: the industry as well exactly and go, oh, like that's

825
00:38:19,840 --> 00:38:21,880
Speaker 5: what I can benchmark myself against because even if there

826
00:38:21,880 --> 00:38:24,920
Speaker 5: aren't KPIs in place, you will be delivering something absolutely

827
00:38:26,320 --> 00:38:30,959
Speaker 5: a small team, Like I find that the smaller the team,

828
00:38:31,040 --> 00:38:31,719
Speaker 5: the harder.

829
00:38:31,520 --> 00:38:33,399
Speaker 2: It is to just float along as well. So we're

830
00:38:33,440 --> 00:38:35,439
Speaker 2: assuming that there would be a lot that you were doing.

831
00:38:35,920 --> 00:38:38,600
Speaker 2: But yeah, I would be asking for KPIs because they've

832
00:38:38,680 --> 00:38:41,719
Speaker 2: essentially said, hey, our business structure actually really limits your

833
00:38:41,760 --> 00:38:44,440
Speaker 2: growth and even your ability to understand what you've achieved.

834
00:38:45,239 --> 00:38:45,600
Speaker 4: Is what not?

835
00:38:45,760 --> 00:38:47,960
Speaker 2: You just said to me, And that's not cool. Like

836
00:38:48,080 --> 00:38:49,799
Speaker 2: I would never sit down with Jess and be like, well,

837
00:38:49,880 --> 00:38:54,600
Speaker 2: because you don't have KPIs, like what like for us,

838
00:38:54,680 --> 00:38:56,560
Speaker 2: it doesn't make sense. It's not in our culture to

839
00:38:56,640 --> 00:38:59,840
Speaker 2: have KPIs, Like I don't want, Like, that's just not

840
00:39:00,040 --> 00:39:02,360
Speaker 2: for me, and that's fine. Other businesses would be like,

841
00:39:02,560 --> 00:39:06,000
Speaker 2: we would absolutely fall over without our kPr and that's cool,

842
00:39:06,480 --> 00:39:09,800
Speaker 2: Like each to their own. But don't they use something

843
00:39:09,840 --> 00:39:12,120
Speaker 2: that you don't have in your business as an excuse

844
00:39:12,200 --> 00:39:15,440
Speaker 2: for not supporting your team. That's not fatal. I just

845
00:39:15,520 --> 00:39:17,200
Speaker 2: think it's a cop out for them to be like, oh,

846
00:39:17,239 --> 00:39:19,799
Speaker 2: we don't have KPIs, Like okay, cool. So how did

847
00:39:19,840 --> 00:39:22,360
Speaker 2: you write the job description for the now missing like

848
00:39:22,480 --> 00:39:25,200
Speaker 2: three people in our team, Like where's that come from?

849
00:39:25,680 --> 00:39:28,200
Speaker 2: Like how did you work out what their capabilities needed

850
00:39:28,239 --> 00:39:30,120
Speaker 2: to be? How do you know what I need to cover? Like,

851
00:39:30,200 --> 00:39:32,640
Speaker 2: there's just a lot to it. And I'm not saying

852
00:39:32,760 --> 00:39:35,960
Speaker 2: that what they're doing is right. It absolutely isn't. But

853
00:39:36,120 --> 00:39:40,879
Speaker 2: it also just sounds sketchy. You said something that told

854
00:39:40,920 --> 00:39:45,239
Speaker 2: me your business is toxic. You said about I think

855
00:39:45,320 --> 00:39:48,640
Speaker 2: it was a product developer. You said, but they fired her.

856
00:39:49,520 --> 00:39:51,920
Speaker 2: That tells me everything I need to know about the

857
00:39:51,960 --> 00:39:53,759
Speaker 2: culture of your business and the fact that you need

858
00:39:53,840 --> 00:39:57,120
Speaker 2: to get out whoa like But they fired her, like

859
00:39:57,239 --> 00:40:01,000
Speaker 2: as though like the tone of that was not you know, oh,

860
00:40:01,080 --> 00:40:03,120
Speaker 2: but they had to let her go. It wasn't oh,

861
00:40:03,239 --> 00:40:05,600
Speaker 2: but they fight like it was the tone And that's

862
00:40:05,680 --> 00:40:08,759
Speaker 2: so fine, Like I get it, But that's telling me

863
00:40:09,040 --> 00:40:13,560
Speaker 2: that management probably aren't that respectful. Yeah, because that's not

864
00:40:13,760 --> 00:40:17,520
Speaker 2: how people who have respectful management talk.

865
00:40:18,440 --> 00:40:19,720
Speaker 4: Such a great point.

866
00:40:19,880 --> 00:40:22,680
Speaker 2: Should we get into this week's Oh I can't wait,

867
00:40:22,800 --> 00:40:26,680
Speaker 2: I can't wait. Are you ready ready? Okay? Hey, she's

868
00:40:26,719 --> 00:40:29,879
Speaker 2: on the money queens. Hi, My partner and I want

869
00:40:29,880 --> 00:40:31,839
Speaker 2: to buy a home together this year. I have an

870
00:40:31,840 --> 00:40:35,280
Speaker 2: apartment I bought alone during COVID times that has equity

871
00:40:35,560 --> 00:40:40,200
Speaker 2: and have saved a substantial amount, made many sacrifices, don't

872
00:40:40,200 --> 00:40:43,480
Speaker 2: worry to have for another house deposit. They only have

873
00:40:43,600 --> 00:40:46,719
Speaker 2: a tenth of what I have saved, smaller salary than

874
00:40:46,800 --> 00:40:49,239
Speaker 2: me too, So it's not entirely their fault, but I'm

875
00:40:49,280 --> 00:40:52,239
Speaker 2: ready to go. I can't help but feel hurt and

876
00:40:52,480 --> 00:40:56,120
Speaker 2: dismayed that they're taking so long to catch up. I

877
00:40:56,239 --> 00:40:59,200
Speaker 2: realize it's not their fault, but I've been working tooth

878
00:40:59,360 --> 00:41:03,120
Speaker 2: and nail and feel like I'm more ambitious. What should

879
00:41:03,160 --> 00:41:06,640
Speaker 2: I do? Thanks? Guys? What would you do?

880
00:41:07,320 --> 00:41:07,520
Speaker 5: Oh?

881
00:41:07,840 --> 00:41:10,200
Speaker 4: I have anxiety in my belly. I know it happens

882
00:41:10,200 --> 00:41:11,839
Speaker 4: all the time. I'm sorry, guys, I just know, wiz

883
00:41:11,840 --> 00:41:16,000
Speaker 4: this is happening. But I get this whole conversation is

884
00:41:16,160 --> 00:41:19,120
Speaker 4: like scary and stressful. I first of all, the partner

885
00:41:19,160 --> 00:41:24,640
Speaker 4: doesn't have as much disposable income. Yeah, and so that

886
00:41:24,800 --> 00:41:27,120
Speaker 4: in itself is like, yeah, they're probably gonna take a

887
00:41:27,160 --> 00:41:29,480
Speaker 4: bit longer. But I do want to preface this whole

888
00:41:29,520 --> 00:41:31,880
Speaker 4: thing by saying, I know that our listener is not

889
00:41:32,360 --> 00:41:36,360
Speaker 4: by any means being cruel or harsh or anything. They

890
00:41:36,440 --> 00:41:42,000
Speaker 4: did say that they understand the situation. But the person

891
00:41:42,120 --> 00:41:44,040
Speaker 4: on the other end who might have been making as

892
00:41:44,120 --> 00:41:45,960
Speaker 4: much money probably already feels a little bit like, ah,

893
00:41:46,280 --> 00:41:50,919
Speaker 4: I'm kind of not contributing financially as much as I could.

894
00:41:51,000 --> 00:41:53,480
Speaker 4: You might feel bit inferior in that way. But at

895
00:41:53,520 --> 00:41:57,919
Speaker 4: the end of the day, let's all remember that everything

896
00:41:58,440 --> 00:42:03,440
Speaker 4: is completely made up. Money is made up. Like the

897
00:42:03,560 --> 00:42:06,799
Speaker 4: value of ourselves should be based on how we are

898
00:42:06,840 --> 00:42:09,279
Speaker 4: and how we treat people and how we and what's

899
00:42:09,600 --> 00:42:11,640
Speaker 4: like whatever values are and stuff like that, like that

900
00:42:11,800 --> 00:42:13,840
Speaker 4: that's actually what matters. But I can understand that now

901
00:42:13,920 --> 00:42:15,640
Speaker 4: I've kind of gotten to this point where how much

902
00:42:15,719 --> 00:42:19,960
Speaker 4: money you make can make you feel either really inferior

903
00:42:20,320 --> 00:42:23,239
Speaker 4: or really superior, which it should not. How much you save,

904
00:42:23,360 --> 00:42:26,040
Speaker 4: how the ability that you have to save, and none

905
00:42:26,040 --> 00:42:28,200
Speaker 4: of that should actually matter. But I can understand that's

906
00:42:28,320 --> 00:42:30,560
Speaker 4: not what's in question here. I'm just saying for the

907
00:42:30,600 --> 00:42:33,440
Speaker 4: person who's not saving as much might be feeling a

908
00:42:33,560 --> 00:42:37,200
Speaker 4: certain way, but it's really like some people I really

909
00:42:37,239 --> 00:42:40,840
Speaker 4: admire this, like they can really make themselves like not

910
00:42:41,040 --> 00:42:44,520
Speaker 4: want to get uber eries and not spend an extra

911
00:42:44,719 --> 00:42:47,200
Speaker 4: thirty cents to get soy milk and all these things

912
00:42:47,280 --> 00:42:50,000
Speaker 4: like they are so on to milk. Do I get

913
00:42:50,000 --> 00:42:50,399
Speaker 4: swy milk?

914
00:42:50,400 --> 00:42:51,120
Speaker 2: Do you get swy milk?

915
00:42:52,920 --> 00:42:56,200
Speaker 4: I get soy milk, And sometimes it's a dollar more.

916
00:42:56,440 --> 00:42:58,759
Speaker 2: I know I could tell you your coffee or what

917
00:42:58,920 --> 00:43:00,799
Speaker 2: It's fine. It's fine, you can.

918
00:43:02,239 --> 00:43:03,920
Speaker 4: But even sometimes I'm sitting on my couch, I'm like,

919
00:43:03,960 --> 00:43:06,120
Speaker 4: I really feel like a coke zero. I will literally

920
00:43:06,160 --> 00:43:06,520
Speaker 4: be breath.

921
00:43:06,719 --> 00:43:06,880
Speaker 1: I know.

922
00:43:09,200 --> 00:43:12,759
Speaker 2: I judgment, but like you are not uber eats in

923
00:43:12,840 --> 00:43:13,359
Speaker 2: coke zero.

924
00:43:14,719 --> 00:43:17,280
Speaker 5: Have a couple of bottles in your pantry, Bob.

925
00:43:17,160 --> 00:43:20,520
Speaker 4: Listen, you can't tell me I'm thirsty, don't have any

926
00:43:20,560 --> 00:43:22,400
Speaker 4: bottles in my pa, but I will be doing that

927
00:43:22,520 --> 00:43:23,000
Speaker 4: from now on.

928
00:43:23,520 --> 00:43:25,000
Speaker 2: Next time call me.

929
00:43:25,640 --> 00:43:27,279
Speaker 4: True, you'll drive to me and bring me.

930
00:43:30,080 --> 00:43:31,440
Speaker 2: Okay, that's it, that's it.

931
00:43:32,440 --> 00:43:34,279
Speaker 4: Yelling will make people sad, and maybe you want to

932
00:43:34,320 --> 00:43:34,839
Speaker 4: get breath.

933
00:43:36,760 --> 00:43:39,879
Speaker 2: I know where you live, Like, I literally know where

934
00:43:39,880 --> 00:43:42,760
Speaker 2: you live, and you are walking distance from getting yourself

935
00:43:42,800 --> 00:43:44,640
Speaker 2: a coke zereou get off the couch.

936
00:43:44,800 --> 00:43:47,440
Speaker 4: That's true, that's true. Okay, I'll message you next time.

937
00:43:47,719 --> 00:43:50,520
Speaker 2: Well, you live in a regional town that doesn't have access.

938
00:43:50,280 --> 00:43:53,200
Speaker 4: To go like no, we also wouldn't have breats, so

939
00:43:53,320 --> 00:43:54,839
Speaker 4: you just be I'll just be thirsty all night.

940
00:43:55,200 --> 00:43:58,520
Speaker 2: Oh no, it's almost like water doesn't exist.

941
00:43:59,400 --> 00:44:02,480
Speaker 4: Actually would be hard. But I'm saying even with someone

942
00:44:02,600 --> 00:44:04,759
Speaker 4: as someone who doesn't actually make that much money, and

943
00:44:05,080 --> 00:44:06,640
Speaker 4: I mean I make I make a decent amount, but

944
00:44:06,719 --> 00:44:09,640
Speaker 4: I don't have any savings, Like I shouldn't.

945
00:44:09,239 --> 00:44:09,520
Speaker 6: Be doing this.

946
00:44:09,640 --> 00:44:12,759
Speaker 4: It's still in those moments, I'm like, it's nothing. It's

947
00:44:12,800 --> 00:44:15,440
Speaker 4: not like I'm like battling in my mind. It's like

948
00:44:15,680 --> 00:44:16,680
Speaker 4: not even a thought for me.

949
00:44:16,800 --> 00:44:17,439
Speaker 5: I just can't.

950
00:44:17,520 --> 00:44:20,400
Speaker 4: I cannot possibly save in those moments. And so I

951
00:44:20,680 --> 00:44:23,279
Speaker 4: think people who can and always do and are very

952
00:44:23,320 --> 00:44:27,319
Speaker 4: consistent and very impressive, but some people just genuinely are

953
00:44:27,440 --> 00:44:31,960
Speaker 4: wired differently and that's not their fault. So I think

954
00:44:32,440 --> 00:44:34,840
Speaker 4: all those negative feelings of you know, they're valid, but

955
00:44:35,200 --> 00:44:38,480
Speaker 4: maybe try not to make or not not saying you are,

956
00:44:38,640 --> 00:44:40,560
Speaker 4: but maybe trying not to put, you know, kind of

957
00:44:40,640 --> 00:44:44,560
Speaker 4: like transfer that feeling to the person who is already

958
00:44:44,640 --> 00:44:46,840
Speaker 4: not keeping up. They're probably stressed.

959
00:44:47,120 --> 00:44:51,680
Speaker 2: Sure, there seems to be a gap between expectation versus reality,

960
00:44:52,719 --> 00:44:55,839
Speaker 2: Like your expectation might be up here, but like who

961
00:44:55,920 --> 00:44:58,680
Speaker 2: set those expectations? Was it you and your partner together?

962
00:44:59,239 --> 00:45:02,480
Speaker 2: Because like you know, buying a home is definitely like

963
00:45:02,600 --> 00:45:05,200
Speaker 2: you might both have that goal and that's great, and

964
00:45:05,239 --> 00:45:06,880
Speaker 2: you've set that like as a shared goal, we want

965
00:45:06,920 --> 00:45:10,239
Speaker 2: to purchase a property together, but like, what's the reality

966
00:45:10,360 --> 00:45:13,480
Speaker 2: of your financial circumstances and did you actually sit down

967
00:45:13,600 --> 00:45:16,120
Speaker 2: and agree to Okay, Like if you and your partner

968
00:45:16,200 --> 00:45:17,920
Speaker 2: beck sat down and said, oh, we want to buy

969
00:45:18,000 --> 00:45:23,640
Speaker 2: home together, like, there would be a lot of conversation around, well, okay,

970
00:45:24,040 --> 00:45:26,320
Speaker 2: what do we need to do to achieve that, and

971
00:45:27,120 --> 00:45:30,240
Speaker 2: what's valid and what's going to work or not? Because

972
00:45:30,360 --> 00:45:32,680
Speaker 2: you know, you spend money differently to other people and

973
00:45:33,239 --> 00:45:35,360
Speaker 2: I spend money differently to other people as well, and

974
00:45:35,600 --> 00:45:37,480
Speaker 2: we need to talk about you know, what are your habits,

975
00:45:37,560 --> 00:45:39,000
Speaker 2: what are the things that are going to happen, Like

976
00:45:39,080 --> 00:45:41,719
Speaker 2: what disposable income do you even have to save? And

977
00:45:41,840 --> 00:45:44,560
Speaker 2: if those conversations have been had and you know, your

978
00:45:44,560 --> 00:45:46,640
Speaker 2: partner was like, yeah, yeah, I'm saving this, I'm saving this,

979
00:45:46,760 --> 00:45:47,800
Speaker 2: and then you get to the end of it and

980
00:45:47,880 --> 00:45:50,759
Speaker 2: they just don't have it, that's a different story too.

981
00:45:51,320 --> 00:45:51,480
Speaker 1: Oh.

982
00:45:51,560 --> 00:45:54,920
Speaker 2: Actually I never had that conversation with my partner, and

983
00:45:55,440 --> 00:45:57,799
Speaker 2: I just expected that they would be as good as

984
00:45:57,960 --> 00:46:01,799
Speaker 2: me at saving Then oh, we need to reset that. Yeah,

985
00:46:02,120 --> 00:46:03,160
Speaker 2: just what are your thoughts?

986
00:46:03,280 --> 00:46:05,000
Speaker 5: Yeah, depending on what kind of conversation you had at

987
00:46:05,000 --> 00:46:07,520
Speaker 5: the start. The thing that our listener wrote in that

988
00:46:07,680 --> 00:46:10,440
Speaker 5: kind of flagged for me was you said that you've

989
00:46:10,480 --> 00:46:13,200
Speaker 5: made a lot of sacrifices to save your deposit, and

990
00:46:13,320 --> 00:46:15,880
Speaker 5: I think, like, obviously keeping into account the fact that

991
00:46:15,960 --> 00:46:19,840
Speaker 5: your disposable incomes vary, do you feel like your partner

992
00:46:19,960 --> 00:46:22,440
Speaker 5: is matching that energy, Like, are they also willing to

993
00:46:22,520 --> 00:46:24,759
Speaker 5: make sacrifices? That's what I would kind of base my

994
00:46:24,920 --> 00:46:27,360
Speaker 5: feelings on, like are we both like like, if I

995
00:46:27,480 --> 00:46:29,920
Speaker 5: earn double what you earn, you of course are not

996
00:46:29,960 --> 00:46:31,400
Speaker 5: going to be able to safe the same amount as me.

997
00:46:31,440 --> 00:46:34,560
Speaker 5: And that makes perfect sense. But if I am then

998
00:46:34,760 --> 00:46:37,640
Speaker 5: still foregoing the uber eats and foregoing all these things,

999
00:46:38,040 --> 00:46:39,880
Speaker 5: but you're still going out on the weekend and blowing

1000
00:46:39,920 --> 00:46:42,520
Speaker 5: it with the boys or doing whatever, it says that

1001
00:46:42,560 --> 00:46:44,800
Speaker 5: maybe our priorities are a little bit different, which is

1002
00:46:44,880 --> 00:46:46,359
Speaker 5: not a bad thing, but again you kind of need

1003
00:46:46,400 --> 00:46:49,160
Speaker 5: to get on the same page. I would look at,

1004
00:46:49,360 --> 00:46:52,759
Speaker 5: can you afford you've got equity in a deposit ten

1005
00:46:52,800 --> 00:46:54,520
Speaker 5: times the size of your partners? Can you just by

1006
00:46:54,640 --> 00:46:59,560
Speaker 5: by yourself like ten times is a lot. It's like

1007
00:47:00,000 --> 00:47:03,920
Speaker 5: you're saying, oh, my deposits ten times what yours is.

1008
00:47:04,080 --> 00:47:05,920
Speaker 5: Maybe you have one hundred thousand and your partner has

1009
00:47:05,960 --> 00:47:08,120
Speaker 5: ten thousand, or if you say fifty grand, they have

1010
00:47:08,239 --> 00:47:12,800
Speaker 5: five grand, and it's like, well, that's actually significant. And

1011
00:47:13,040 --> 00:47:16,200
Speaker 5: to me, if you had that amount, maybe they're not

1012
00:47:16,320 --> 00:47:18,840
Speaker 5: ready to buy either because they might not have like

1013
00:47:18,920 --> 00:47:21,800
Speaker 5: a good emergency fund. They might not be equipped for

1014
00:47:21,920 --> 00:47:26,000
Speaker 5: that financial decision, which you clearly are. And that's absolutely fine,

1015
00:47:26,040 --> 00:47:27,640
Speaker 5: but I would be looking into that, Jess. And I

1016
00:47:27,719 --> 00:47:29,920
Speaker 5: mean it's not necessarily.

1017
00:47:29,480 --> 00:47:31,920
Speaker 2: Your situation, but like you're buying on your own, and

1018
00:47:32,080 --> 00:47:35,480
Speaker 2: like that's the plan, and you know, I don't think

1019
00:47:35,520 --> 00:47:38,879
Speaker 2: that that's a bad thing. This listener has actually done

1020
00:47:38,920 --> 00:47:40,640
Speaker 2: that before. They said that they have an apartment that

1021
00:47:40,680 --> 00:47:43,400
Speaker 2: they've already purchased with equity, Like is that something you

1022
00:47:43,480 --> 00:47:48,120
Speaker 2: want to do again? Or let's talk about timeframes. Why

1023
00:47:48,280 --> 00:47:50,840
Speaker 2: are you in a situation where you're like, oh, I

1024
00:47:50,920 --> 00:47:52,560
Speaker 2: really want to buy, I really want to buy, Like

1025
00:47:52,640 --> 00:47:55,920
Speaker 2: you actually already own property. Do we need to wait

1026
00:47:55,960 --> 00:47:58,360
Speaker 2: for your partner to like, you know, you're ready to

1027
00:47:58,440 --> 00:48:01,120
Speaker 2: go fantastic but they might not be there yet. And

1028
00:48:01,440 --> 00:48:03,879
Speaker 2: this might be like their first purchase that they really

1029
00:48:03,960 --> 00:48:06,560
Speaker 2: want to share with you, and it should be exciting

1030
00:48:06,719 --> 00:48:10,160
Speaker 2: as opposed to stressful, Like, yeah, where's the sense of

1031
00:48:10,280 --> 00:48:13,560
Speaker 2: urgency around purchasing coming from right now? Because like, I

1032
00:48:13,640 --> 00:48:15,719
Speaker 2: get it, I do the second you decide you want

1033
00:48:15,760 --> 00:48:19,600
Speaker 2: property like you want it yesterday, I get it. But

1034
00:48:20,440 --> 00:48:21,879
Speaker 2: where's that pressure coming from?

1035
00:48:22,080 --> 00:48:23,719
Speaker 5: Can we talk about it and have you earn the

1036
00:48:23,800 --> 00:48:27,160
Speaker 5: numbers to see that they can service the loan once

1037
00:48:27,239 --> 00:48:27,560
Speaker 5: you get it?

1038
00:48:27,640 --> 00:48:29,440
Speaker 2: Would be mad than because if you're saying, again, we.

1039
00:48:29,480 --> 00:48:31,799
Speaker 5: Don't have exact figures, so you could be that they're

1040
00:48:31,840 --> 00:48:34,640
Speaker 5: saving two urine like five thousand dollars a month, then

1041
00:48:34,680 --> 00:48:37,040
Speaker 5: it's not a question of that. But you just remember

1042
00:48:37,080 --> 00:48:39,160
Speaker 5: that once you get your deposit together and once you

1043
00:48:39,200 --> 00:48:40,919
Speaker 5: make the purchase, you still have to pay your rent,

1044
00:48:41,000 --> 00:48:42,520
Speaker 5: You still have to pay your rates, You still have

1045
00:48:42,600 --> 00:48:43,919
Speaker 5: to pay all of those homeowner things.

1046
00:48:44,440 --> 00:48:45,640
Speaker 2: If they're struggling to keep.

1047
00:48:45,560 --> 00:48:48,400
Speaker 5: Up with you in terms of saving for the deposit,

1048
00:48:48,680 --> 00:48:50,600
Speaker 5: chances are they're probably going to struggle keeping up with

1049
00:48:50,680 --> 00:48:53,520
Speaker 5: you in terms of having the funds for those things too,

1050
00:48:54,120 --> 00:48:56,320
Speaker 5: Like have you done the numbers? Are they capable? Is

1051
00:48:56,360 --> 00:48:58,399
Speaker 5: that something they want to do? Like, can they only

1052
00:48:58,480 --> 00:49:01,160
Speaker 5: do it if they completely sacrifice their lifestyle. Maybe that's

1053
00:49:01,200 --> 00:49:03,680
Speaker 5: something they're not eager for. Yeah, Like, yes, you've got

1054
00:49:03,760 --> 00:49:06,320
Speaker 5: to get on the same page ball and at the

1055
00:49:06,440 --> 00:49:08,560
Speaker 5: end of it, if you find that it's just not

1056
00:49:08,680 --> 00:49:10,640
Speaker 5: the right timing for the both of you, is it

1057
00:49:10,760 --> 00:49:13,239
Speaker 5: something you can and or want to do alone? And

1058
00:49:13,320 --> 00:49:15,560
Speaker 5: if not, maybe that's an avenue you can explore.

1059
00:49:15,920 --> 00:49:19,080
Speaker 2: Yeahue, And even just the language used in that message,

1060
00:49:19,520 --> 00:49:22,319
Speaker 2: like I just always break everything down so I try

1061
00:49:22,400 --> 00:49:25,680
Speaker 2: and understand it. You said, but I've been working tooth

1062
00:49:25,719 --> 00:49:28,600
Speaker 2: and nail and feel like I'm more ambitious. Like that

1063
00:49:29,040 --> 00:49:32,040
Speaker 2: to me is a reflection of you maybe seeing their

1064
00:49:32,080 --> 00:49:35,040
Speaker 2: worker thick and what they're doing. Like there's no way

1065
00:49:35,280 --> 00:49:37,600
Speaker 2: like and this is maybe just personal preference, but like

1066
00:49:37,920 --> 00:49:41,520
Speaker 2: there's no way in any dynamic where I would say,

1067
00:49:41,880 --> 00:49:44,480
Speaker 2: oh my gosh, I've been working tooth and nail if

1068
00:49:44,560 --> 00:49:48,520
Speaker 2: the other person wasn't lacking. If that makes sense, Like,

1069
00:49:48,560 --> 00:49:50,080
Speaker 2: you know, Jess and I might be working on a

1070
00:49:50,120 --> 00:49:53,520
Speaker 2: project together and I might go, I've been working tooth

1071
00:49:53,520 --> 00:49:56,080
Speaker 2: and nail on this, and like the next thing would

1072
00:49:56,120 --> 00:49:58,520
Speaker 2: be because I feel like Jess is letting me down,

1073
00:49:58,960 --> 00:50:00,960
Speaker 2: because otherwise I'd say some of the wind project's not

1074
00:50:01,040 --> 00:50:04,359
Speaker 2: doing someone's not doing their part, because otherwise I'd say

1075
00:50:04,480 --> 00:50:07,879
Speaker 2: we've been slaving away at this together because you told

1076
00:50:07,920 --> 00:50:09,959
Speaker 2: me it was a joint goal. But now you're saying

1077
00:50:10,120 --> 00:50:14,120
Speaker 2: you think you're too ambitious, because yeah, I just feel

1078
00:50:14,160 --> 00:50:16,759
Speaker 2: like you wouldn't say I think I'm too ambitious if

1079
00:50:16,880 --> 00:50:19,360
Speaker 2: you felt like the other person wasn't lacking that trade.

1080
00:50:19,840 --> 00:50:22,080
Speaker 4: Yeah, but also I do want to say if the

1081
00:50:22,160 --> 00:50:26,560
Speaker 4: person is like ambition and money, there's no correlation.

1082
00:50:26,760 --> 00:50:30,120
Speaker 2: No, I agree, And it's also so hard, like let's imagine,

1083
00:50:30,160 --> 00:50:31,680
Speaker 2: you know, we spoke to them, or I spoke to

1084
00:50:31,719 --> 00:50:33,319
Speaker 2: a money direst a couple of weeks ago and they

1085
00:50:33,320 --> 00:50:35,920
Speaker 2: were like, yeah, my partner works in like as a

1086
00:50:36,000 --> 00:50:40,320
Speaker 2: kindergarten educator and they don't make much money. Like you

1087
00:50:40,480 --> 00:50:43,960
Speaker 2: think about these roles where someone might be working, you know,

1088
00:50:44,280 --> 00:50:47,000
Speaker 2: part time, or they might even be working full time

1089
00:50:47,080 --> 00:50:49,840
Speaker 2: and just not making enough to pay rent bills, this,

1090
00:50:50,000 --> 00:50:53,040
Speaker 2: that the other, and save, and you might find that

1091
00:50:53,160 --> 00:50:55,640
Speaker 2: the person who earns forty five thousand dollars a year

1092
00:50:56,280 --> 00:50:59,439
Speaker 2: is actually a better money manager than someone who earns

1093
00:50:59,480 --> 00:51:02,560
Speaker 2: two hundred thousand dollars a year because the person who

1094
00:51:02,600 --> 00:51:06,080
Speaker 2: earns forty five thousand dollars to save it requires them

1095
00:51:06,120 --> 00:51:07,600
Speaker 2: to go above and beyond with their budget and be

1096
00:51:07,640 --> 00:51:10,080
Speaker 2: super frugal and like really savvy, and like the fact

1097
00:51:10,120 --> 00:51:13,759
Speaker 2: is that they're even saving anything should be rewarded. Yeah,

1098
00:51:13,840 --> 00:51:16,480
Speaker 2: But then someone on two hundred grand, they get to

1099
00:51:16,520 --> 00:51:18,080
Speaker 2: sit back a little bit more comfy and be like,

1100
00:51:18,480 --> 00:51:21,080
Speaker 2: savings are not that hard. It's like, yes, it is.

1101
00:51:21,560 --> 00:51:24,879
Speaker 2: You're in a privileged position where that comes so much

1102
00:51:25,040 --> 00:51:28,000
Speaker 2: easier to you, when in reality, if we looked at it,

1103
00:51:28,200 --> 00:51:30,360
Speaker 2: the person who's earning forty five thousand dollars is a

1104
00:51:30,440 --> 00:51:33,480
Speaker 2: better saver. Just because you've got more doesn't mean you're better.

1105
00:51:34,120 --> 00:51:37,560
Speaker 2: So I just I think it's so important to break

1106
00:51:37,600 --> 00:51:39,160
Speaker 2: it down and be like, well, what is even there,

1107
00:51:39,360 --> 00:51:42,839
Speaker 2: Like do you understand their capacity to save? And once

1108
00:51:42,920 --> 00:51:47,120
Speaker 2: you understand that, what are their values? Because my values

1109
00:51:47,200 --> 00:51:50,080
Speaker 2: play out in my spending all the time and I

1110
00:51:50,440 --> 00:51:53,359
Speaker 2: don't actually want that to change. Like if someone said

1111
00:51:53,400 --> 00:51:55,800
Speaker 2: you have to cut absolutely everything to do X, Y

1112
00:51:55,800 --> 00:51:58,440
Speaker 2: and z, but that thing wasn't as important to me

1113
00:51:58,480 --> 00:52:00,680
Speaker 2: as it was to you, Like it's probably not going

1114
00:52:00,760 --> 00:52:01,040
Speaker 2: to happen.

1115
00:52:02,040 --> 00:52:03,719
Speaker 4: I'm so sorry. One more thing. One more thing. I'm

1116
00:52:03,719 --> 00:52:06,720
Speaker 4: ready as a person who has been in a similar

1117
00:52:06,719 --> 00:52:09,440
Speaker 4: situation with someone who's buying something that I wanted to

1118
00:52:09,440 --> 00:52:11,080
Speaker 4: be a part of but only had like a small

1119
00:52:11,120 --> 00:52:13,320
Speaker 4: portion of, and was like, Wow, this is literally my

1120
00:52:13,440 --> 00:52:16,239
Speaker 4: ownly opportunity. I didn't have but doing it, But this

1121
00:52:16,360 --> 00:52:18,040
Speaker 4: is my ownly opportunity because I own have like the

1122
00:52:18,120 --> 00:52:21,080
Speaker 4: luxury of like family or anyone who will be able

1123
00:52:21,120 --> 00:52:22,960
Speaker 4: to lend me money in the future. So I'm like,

1124
00:52:23,440 --> 00:52:26,480
Speaker 4: this could be my thing. And then to not go

1125
00:52:26,640 --> 00:52:28,080
Speaker 4: through with it, or to not have the money to

1126
00:52:28,200 --> 00:52:30,560
Speaker 4: like kind of keep up with the person you're going

1127
00:52:30,600 --> 00:52:33,600
Speaker 4: to buy with, it does feel like shit, to be honest.

1128
00:52:33,640 --> 00:52:36,879
Speaker 4: And so maybe your partner is like, I've never had

1129
00:52:37,000 --> 00:52:39,319
Speaker 4: the opportunity. I've never been so close to being able

1130
00:52:39,360 --> 00:52:43,920
Speaker 4: to buy my own property, and my only opportunity right

1131
00:52:44,000 --> 00:52:46,759
Speaker 4: now is to do that. The only option is to

1132
00:52:46,800 --> 00:52:49,680
Speaker 4: do that with you. Otherwise I just cannot feasibly buy

1133
00:52:49,719 --> 00:52:53,800
Speaker 4: myself a property. And is there an option too, And

1134
00:52:53,840 --> 00:52:55,319
Speaker 4: if you're like, oh, yeah, I'm happy with that, maybe

1135
00:52:55,360 --> 00:52:57,760
Speaker 4: there's an option to like maybe do like five percent,

1136
00:52:57,840 --> 00:52:59,560
Speaker 4: I don't know, make it like legal or something, do.

1137
00:53:00,640 --> 00:53:02,200
Speaker 2: An agreement, But it knows what you contribute.

1138
00:53:02,480 --> 00:53:04,759
Speaker 4: At least they're kind of in there, you know, yeah, yeah,

1139
00:53:04,960 --> 00:53:05,440
Speaker 4: but I don't know.

1140
00:53:05,600 --> 00:53:08,360
Speaker 2: They're full conversation. We did ask the community, do you

1141
00:53:08,400 --> 00:53:08,759
Speaker 2: want to know? What?

1142
00:53:08,840 --> 00:53:09,680
Speaker 4: They would love to know?

1143
00:53:10,000 --> 00:53:12,279
Speaker 2: So we asked what would you do if you had

1144
00:53:12,320 --> 00:53:15,360
Speaker 2: saved more than your partner for a house? Ten percent

1145
00:53:15,440 --> 00:53:17,400
Speaker 2: of you said you would wait for them to catch up,

1146
00:53:18,000 --> 00:53:20,320
Speaker 2: twenty eight percent of you said buy the house alone,

1147
00:53:20,719 --> 00:53:23,120
Speaker 2: and sixty one percent of you said buy together with

1148
00:53:23,280 --> 00:53:24,000
Speaker 2: what you have now.

1149
00:53:24,800 --> 00:53:25,080
Speaker 7: Cool.

1150
00:53:25,920 --> 00:53:29,120
Speaker 2: So then we asked how would you handle feeling resentful

1151
00:53:29,200 --> 00:53:32,239
Speaker 2: about saving more? Fifty six percent of you said I

1152
00:53:32,280 --> 00:53:35,279
Speaker 2: would have an open conversation about it, thirty percent of

1153
00:53:35,400 --> 00:53:38,800
Speaker 2: you said except you have different situations, and fourteen percent

1154
00:53:38,840 --> 00:53:42,759
Speaker 2: of you said I would reassess our financial compatibility. Resent

1155
00:53:42,880 --> 00:53:43,800
Speaker 2: is one of those emotions.

1156
00:53:43,840 --> 00:53:45,520
Speaker 5: I feel you have to deal with it because if

1157
00:53:45,560 --> 00:53:49,400
Speaker 5: you leave resent alone, it's simmers and festers and just

1158
00:53:49,560 --> 00:53:51,480
Speaker 5: takes over and takes on a life of the zone

1159
00:53:51,560 --> 00:53:51,719
Speaker 5: like you.

1160
00:53:52,000 --> 00:53:53,160
Speaker 2: You can't sit on it.

1161
00:53:53,640 --> 00:53:54,120
Speaker 4: You have to.

1162
00:53:54,520 --> 00:53:56,200
Speaker 5: I think you have to have a conversation or you

1163
00:53:56,320 --> 00:53:58,280
Speaker 5: have to come to a point of resolution within yourself.

1164
00:53:58,320 --> 00:54:00,880
Speaker 2: But you can't just leave it. Yes, eat your last Yes,

1165
00:54:01,000 --> 00:54:03,520
Speaker 2: I agree, I agree. We did ask the community for

1166
00:54:03,560 --> 00:54:06,640
Speaker 2: their two cents. First person said, my fiance and I

1167
00:54:06,880 --> 00:54:08,759
Speaker 2: in the same boat, and we're planning on getting a

1168
00:54:08,800 --> 00:54:12,640
Speaker 2: binding financial agreement and still buying cool I love that

1169
00:54:12,719 --> 00:54:14,280
Speaker 2: that's literally what you were suggesting.

1170
00:54:14,440 --> 00:54:14,640
Speaker 7: Yeah.

1171
00:54:15,080 --> 00:54:17,640
Speaker 2: Another person said, you need to get your goals in alignment.

1172
00:54:17,719 --> 00:54:19,839
Speaker 2: It sounds like you're not on the same page when

1173
00:54:19,880 --> 00:54:24,719
Speaker 2: it comes to expectations. Another person said, dividing finances only

1174
00:54:24,800 --> 00:54:29,719
Speaker 2: sets you up for always comparing finances. She's kind of

1175
00:54:29,840 --> 00:54:33,759
Speaker 2: interesting because like same, like when Steve and I were

1176
00:54:33,920 --> 00:54:37,320
Speaker 2: saving for our first home, we had a joint savings

1177
00:54:37,360 --> 00:54:41,959
Speaker 2: account to do that in, and we honestly didn't keep track.

1178
00:54:42,160 --> 00:54:44,239
Speaker 2: And that's a very privileged thing, but we didn't keep

1179
00:54:44,280 --> 00:54:47,279
Speaker 2: track of who was contributing what, and like there will

1180
00:54:47,360 --> 00:54:49,279
Speaker 2: be like if we go back, there will be one

1181
00:54:49,320 --> 00:54:51,960
Speaker 2: person who contributed more. But at the time, we were

1182
00:54:52,280 --> 00:54:54,960
Speaker 2: working towards a shared financial goal of having a family

1183
00:54:55,080 --> 00:54:58,800
Speaker 2: home together. And like, you know, if and when we

1184
00:54:59,239 --> 00:55:02,040
Speaker 2: would have like separated, I think we would have dealt

1185
00:55:02,040 --> 00:55:04,840
Speaker 2: with it then, But it was never something that crossed

1186
00:55:04,880 --> 00:55:07,000
Speaker 2: our minds to be like, oh, but you're contributing this

1187
00:55:07,120 --> 00:55:09,160
Speaker 2: and I'm contributing that, but in saying that, we did

1188
00:55:09,239 --> 00:55:12,920
Speaker 2: feel like we were contributing semi equally, like one of

1189
00:55:13,000 --> 00:55:16,880
Speaker 2: us more at the time, Steve earn significantly more than me.

1190
00:55:17,120 --> 00:55:19,239
Speaker 2: So he's the one, Just to be very clear, it

1191
00:55:19,320 --> 00:55:21,239
Speaker 2: wasn't me. He is the one that would have been

1192
00:55:21,320 --> 00:55:24,040
Speaker 2: contributing a lot more than I was. But like the

1193
00:55:24,120 --> 00:55:26,160
Speaker 2: way we saw it was one day, it all all

1194
00:55:26,280 --> 00:55:28,280
Speaker 2: come out in the wash, and like we're both contributing

1195
00:55:28,360 --> 00:55:32,320
Speaker 2: to this relationship, and like, from my perspective, I'm very grateful,

1196
00:55:32,400 --> 00:55:35,200
Speaker 2: But the way my husband sees it is like we

1197
00:55:35,360 --> 00:55:38,879
Speaker 2: both contribute and it's not always financial, like it can

1198
00:55:39,000 --> 00:55:41,880
Speaker 2: be in labor and division and support, and like, I

1199
00:55:42,080 --> 00:55:45,200
Speaker 2: just find it really refreshing that sometimes those comments are

1200
00:55:45,239 --> 00:55:46,160
Speaker 2: coming from my husband.

1201
00:55:46,040 --> 00:55:46,279
Speaker 5: Or not me.

1202
00:55:47,320 --> 00:55:49,800
Speaker 2: Someone else said, you need to unpack why you currently

1203
00:55:49,880 --> 00:55:52,160
Speaker 2: feel hurt. There might be a lot more to it

1204
00:55:52,360 --> 00:55:56,879
Speaker 2: than just that. I agree. Someone else said, maybe worth

1205
00:55:56,920 --> 00:55:59,600
Speaker 2: a discussion because how's the mortgage going to be split

1206
00:55:59,719 --> 00:56:03,520
Speaker 2: base on your different salaries. Another person said, you have

1207
00:56:03,640 --> 00:56:06,360
Speaker 2: to honor your feelings and respectfully tell them how you

1208
00:56:06,520 --> 00:56:08,880
Speaker 2: feel within communication is the answer.

1209
00:56:09,239 --> 00:56:09,279
Speaker 1: No.

1210
00:56:12,120 --> 00:56:14,880
Speaker 2: Another person said, it's not the total that matters. It's

1211
00:56:14,960 --> 00:56:18,839
Speaker 2: whether they matched your sacrifice to save in a similar way.

1212
00:56:19,000 --> 00:56:21,680
Speaker 2: I agree. I loved that. And then last one someone

1213
00:56:21,760 --> 00:56:25,160
Speaker 2: contributed we split based on percentage of our income. I

1214
00:56:25,320 --> 00:56:27,800
Speaker 2: bring in x percent and he brings in one percent.

1215
00:56:27,920 --> 00:56:30,640
Speaker 2: So that's just how we split our joint costs. Cool,

1216
00:56:31,080 --> 00:56:31,800
Speaker 2: lots of options.

1217
00:56:31,880 --> 00:56:33,240
Speaker 4: There's many options.

1218
00:56:34,239 --> 00:56:39,319
Speaker 2: Ah, comes back to communication, doesn't it, Jessica, Oh my goodness. Well,

1219
00:56:39,480 --> 00:56:41,800
Speaker 2: it has been a week. I have been grateful for

1220
00:56:42,040 --> 00:56:44,880
Speaker 2: everyone and everything this week, and I'm just so grateful

1221
00:56:44,920 --> 00:56:46,600
Speaker 2: that we've got to have a chat with you guys today.

1222
00:56:47,040 --> 00:56:48,319
Speaker 4: Yeah, so good.

1223
00:56:48,480 --> 00:56:50,759
Speaker 2: We will see you bright and early on Monday morning

1224
00:56:50,800 --> 00:56:51,239
Speaker 2: for money.

1225
00:56:51,280 --> 00:56:53,520
Speaker 4: Darry though, see them Happy Valentine's Day.

1226
00:56:53,560 --> 00:56:54,959
Speaker 2: Bye guy Bye.

1227
00:57:00,680 --> 00:57:03,200
Speaker 6: The advice shared on She's on the Money is general

1228
00:57:03,239 --> 00:57:07,080
Speaker 6: in nature and does not consider your individual circumstances. She's

1229
00:57:07,160 --> 00:57:10,560
Speaker 6: on the Money exists purely for educational purposes and should

1230
00:57:10,640 --> 00:57:13,800
Speaker 6: not be relied upon to make an investment or financial decision.

1231
00:57:14,200 --> 00:57:16,640
Speaker 6: If you do choose to buy a financial product, read

1232
00:57:16,680 --> 00:57:19,920
Speaker 6: the PDS TMD and obtain appropriate financial.

1233
00:57:19,600 --> 00:57:21,320
Speaker 2: Advice tailored towards your needs.

1234
00:57:21,760 --> 00:57:25,640
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

1235
00:57:25,720 --> 00:57:29,800
Speaker 6: of money sheper pty ltd ABN three two one six

1236
00:57:29,920 --> 00:57:33,760
Speaker 6: four nine two seven seven zero eight AFSL four five

1237
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Speaker 6: one two eight nine