1 00:00:00,200 --> 00:00:19,480 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,160 --> 00:00:26,240 Speaker 2: Hello and welcome to She's on the Money, the podcast 3 00:00:26,280 --> 00:00:29,960 Speaker 2: for millennials who want financial freedom. Today's Friday, which means 4 00:00:29,960 --> 00:00:31,760 Speaker 2: it's time to kick back with the girls and a 5 00:00:31,840 --> 00:00:34,920 Speaker 2: BEV in hand to unpack our favorite moments of the week, 6 00:00:35,080 --> 00:00:37,920 Speaker 2: and of course, to celebrate you the incredible She's on 7 00:00:37,960 --> 00:00:40,680 Speaker 2: the Money community. As always, we're going to share our 8 00:00:40,680 --> 00:00:43,360 Speaker 2: favorite money wins. We're going to talk about some super 9 00:00:43,400 --> 00:00:46,880 Speaker 2: fun news finance news, but also She's on the Money 10 00:00:46,920 --> 00:00:50,519 Speaker 2: news spoiler alert, it's really exciting and we're going to 11 00:00:50,560 --> 00:00:55,160 Speaker 2: be answering a juicy, juicy money question this week. It's 12 00:00:55,240 --> 00:00:56,200 Speaker 2: just me and Georgia King. 13 00:00:56,440 --> 00:01:00,400 Speaker 3: It certainly is Hello, Jessica Lucci. How are you by, girl? 14 00:01:00,720 --> 00:01:01,280 Speaker 3: I'm good? 15 00:01:01,320 --> 00:01:02,160 Speaker 2: How are you done? 16 00:01:02,360 --> 00:01:06,000 Speaker 3: I'm good. Hey, this is not the setup we expected today. 17 00:01:06,360 --> 00:01:08,679 Speaker 2: It's not the setup we expected, but it's the setup 18 00:01:08,680 --> 00:01:13,640 Speaker 2: we got. VD was here very intimately. She's having internet issues. 19 00:01:14,120 --> 00:01:17,240 Speaker 2: We did try to make it work, but we got 20 00:01:17,280 --> 00:01:19,560 Speaker 2: about three letters in every time and it just was 21 00:01:19,640 --> 00:01:23,000 Speaker 2: not happening. So once again we're back for a what 22 00:01:23,040 --> 00:01:23,600 Speaker 2: do we call it? 23 00:01:23,680 --> 00:01:28,720 Speaker 3: Last time Q and A with Yes, G and J Yes, 24 00:01:28,920 --> 00:01:29,479 Speaker 3: feels fair. 25 00:01:29,560 --> 00:01:33,920 Speaker 2: Yeah, so back again. If anyone's heard our last Q 26 00:01:34,080 --> 00:01:36,120 Speaker 2: and A with G and J, we're taking the wheel. 27 00:01:36,280 --> 00:01:38,080 Speaker 2: It's going to be a wild ride because there's no 28 00:01:38,080 --> 00:01:39,080 Speaker 2: one controllers. 29 00:01:39,160 --> 00:01:42,880 Speaker 3: That's it. Yes, yes, but it's Friday. What's what's everyone 30 00:01:42,920 --> 00:01:46,440 Speaker 3: on Friday? If not a little loose, you've nailed it, 31 00:01:46,720 --> 00:01:49,080 Speaker 3: j Rick. I believe the place we usually start is 32 00:01:49,080 --> 00:01:53,320 Speaker 3: by talking about money. Monday Money Mondays a new thing. 33 00:01:54,000 --> 00:01:57,760 Speaker 3: Money diary Mondays talk around what happened this week. This 34 00:01:57,800 --> 00:02:00,760 Speaker 3: week we spoke to a lovely girl I always and 35 00:02:01,080 --> 00:02:04,320 Speaker 3: I really liked her story because she actually self described 36 00:02:04,320 --> 00:02:07,400 Speaker 3: her when she wrote in as just an average person, 37 00:02:07,560 --> 00:02:11,240 Speaker 3: which you know, it's not literally, but sometimes I think 38 00:02:11,280 --> 00:02:14,440 Speaker 3: it's nice to hear from someone who's just plodding along 39 00:02:14,919 --> 00:02:15,240 Speaker 3: some you. 40 00:02:15,280 --> 00:02:17,960 Speaker 2: Know, we try and really diversify these money stories and 41 00:02:18,000 --> 00:02:21,160 Speaker 2: money diaries, but sometimes we get people saying, oh, I 42 00:02:21,200 --> 00:02:23,959 Speaker 2: feel like I can't relate because they've done things I haven't. 43 00:02:24,040 --> 00:02:27,200 Speaker 2: And while the point of course of everything is to 44 00:02:27,320 --> 00:02:31,399 Speaker 2: share different opinions and perspectives and places, sometimes I think 45 00:02:31,440 --> 00:02:34,520 Speaker 2: it is just nice to have an average person. Yep, 46 00:02:34,600 --> 00:02:38,160 Speaker 2: definitely so the diaries. This week she spoke a lot 47 00:02:38,240 --> 00:02:42,160 Speaker 2: about her debt. She had some really really soul crushing 48 00:02:42,200 --> 00:02:45,800 Speaker 2: debt in her earlier days, and you know, challenged herself 49 00:02:45,840 --> 00:02:47,360 Speaker 2: to find the light at the end of the tunnel. 50 00:02:47,440 --> 00:02:49,560 Speaker 2: And I think one of the parting things that she 51 00:02:49,600 --> 00:02:52,120 Speaker 2: said in her episode was that she just wanted people 52 00:02:52,160 --> 00:02:55,480 Speaker 2: to know that no matter who you are, you can 53 00:02:55,720 --> 00:02:58,639 Speaker 2: get there. Like she said, I know it seems overwhelming, 54 00:02:58,800 --> 00:03:02,240 Speaker 2: I know it's really hard, but there is hope. You 55 00:03:02,320 --> 00:03:04,360 Speaker 2: just have to persevere. And that really sat with me. 56 00:03:04,440 --> 00:03:06,760 Speaker 2: I was like, oh my god, like it's so true. 57 00:03:06,919 --> 00:03:09,640 Speaker 2: And you know I've spoken before. I've been down that 58 00:03:09,680 --> 00:03:12,480 Speaker 2: consumer debt rabbit hole. So many people in our community 59 00:03:12,480 --> 00:03:16,120 Speaker 2: have as well. And you know, sometimes we find ourselves 60 00:03:16,120 --> 00:03:18,800 Speaker 2: in lucky situations where we have some money back from 61 00:03:18,840 --> 00:03:21,680 Speaker 2: the ATO or an inheritance, and that's so helpful, and 62 00:03:21,720 --> 00:03:25,120 Speaker 2: sometimes you just have to slog it out and make sacrifice. 63 00:03:25,160 --> 00:03:27,120 Speaker 2: And that is what she did. So it was a 64 00:03:27,200 --> 00:03:30,120 Speaker 2: really really good I know she used the word average, 65 00:03:30,160 --> 00:03:31,799 Speaker 2: but I'm not. I don't think she was average. I 66 00:03:31,840 --> 00:03:34,360 Speaker 2: think she was incredible, but a really good Listen if 67 00:03:34,400 --> 00:03:36,160 Speaker 2: you're in a similar position. 68 00:03:36,560 --> 00:03:37,880 Speaker 3: That sounds amazing. 69 00:03:38,360 --> 00:03:40,520 Speaker 2: It was really really good. But what did you guys 70 00:03:40,560 --> 00:03:42,920 Speaker 2: talk about on the Wednesday Deep DIVET What. 71 00:03:42,960 --> 00:03:45,680 Speaker 3: Did we talk about? Jessica Icci. Actually, this week it 72 00:03:45,800 --> 00:03:51,120 Speaker 3: was all about inheritances, Jessica Ricie. So we kind of 73 00:03:51,160 --> 00:03:54,960 Speaker 3: discussed a few things, including like exactly what they are 74 00:03:55,320 --> 00:03:58,640 Speaker 3: and how they work, but also what you're actually meant 75 00:03:58,640 --> 00:04:01,520 Speaker 3: to do when you receive a huge lump sum of money. 76 00:04:01,520 --> 00:04:04,720 Speaker 3: I mean, it's not always huge, but that it's kind 77 00:04:04,760 --> 00:04:07,800 Speaker 3: of it can be quite confusing for a lot of people. 78 00:04:08,200 --> 00:04:10,760 Speaker 3: If say you've just been transferred like fifty grand or 79 00:04:10,800 --> 00:04:12,440 Speaker 3: something like that, it's like what on earth you meant 80 00:04:12,440 --> 00:04:16,159 Speaker 3: to do with that? And people do tend to churn 81 00:04:16,200 --> 00:04:19,440 Speaker 3: through it really quickly, and we kind of we spoke 82 00:04:19,440 --> 00:04:23,720 Speaker 3: about the psychology around money earned versus money kind of one, 83 00:04:24,000 --> 00:04:26,599 Speaker 3: not that in inheritance is money one at all, but 84 00:04:26,720 --> 00:04:29,039 Speaker 3: it's kind of that line of thinking. So it was 85 00:04:29,080 --> 00:04:32,880 Speaker 3: really interesting to delve into that. And we also spoke 86 00:04:32,920 --> 00:04:36,359 Speaker 3: about guilt around inherited money as well. So it was 87 00:04:36,360 --> 00:04:40,000 Speaker 3: a really interesting episode and it's something that most of 88 00:04:40,080 --> 00:04:42,560 Speaker 3: us will face. Let me just pull up the stats. 89 00:04:43,200 --> 00:04:46,760 Speaker 3: So boomers are expected to leave behind two hundred and 90 00:04:46,800 --> 00:04:52,520 Speaker 3: twenty four billion dollars each year in inheritances by twenty fifty, 91 00:04:52,720 --> 00:04:55,480 Speaker 3: so there's a lot of money coming our way, and 92 00:04:55,520 --> 00:04:57,360 Speaker 3: it was just really helpful to kind of talk through 93 00:04:57,360 --> 00:04:59,359 Speaker 3: what we should actually be doing with that money, to 94 00:04:59,400 --> 00:05:01,000 Speaker 3: make sure that we're kind of doing the right thing. 95 00:05:01,160 --> 00:05:02,040 Speaker 3: Oh one thousand percent. 96 00:05:02,160 --> 00:05:04,880 Speaker 2: I remember reading somewhere that it's the biggest shift of 97 00:05:05,120 --> 00:05:09,120 Speaker 2: generational wealth to ever occur in history, which is wild. 98 00:05:09,279 --> 00:05:12,280 Speaker 2: And yes, some of us will inherit large sum some 99 00:05:12,360 --> 00:05:15,400 Speaker 2: of us might inherit smaller amounts, but I feel like 100 00:05:15,440 --> 00:05:19,280 Speaker 2: we don't necessarily consider the tax implications and those kind 101 00:05:19,320 --> 00:05:23,040 Speaker 2: of things. And as we've said before, VD specializes in 102 00:05:23,440 --> 00:05:25,960 Speaker 2: dealing with clients with inheritances, so I feel like the 103 00:05:26,000 --> 00:05:28,400 Speaker 2: insights she had to share there would have been fantastic. 104 00:05:28,400 --> 00:05:30,440 Speaker 2: It was primo give it a listen, for sure, But 105 00:05:30,520 --> 00:05:32,960 Speaker 2: you know what else is primo to talk money? Wins 106 00:05:33,000 --> 00:05:36,919 Speaker 2: threat segue my favorite thread of the week. I live 107 00:05:37,320 --> 00:05:39,880 Speaker 2: for this threat. It's so exciting. Have you got some 108 00:05:39,920 --> 00:05:40,960 Speaker 2: goodies for us this week? 109 00:05:41,080 --> 00:05:43,599 Speaker 3: Or I do have some goodies? There were some really 110 00:05:43,680 --> 00:05:47,400 Speaker 3: weird ones this week which I loved, So let's get 111 00:05:47,480 --> 00:05:50,560 Speaker 3: straight into them with one of my absolute favorites. So 112 00:05:50,600 --> 00:05:53,440 Speaker 3: The first one this week just comes from Emily. We 113 00:05:53,520 --> 00:05:56,840 Speaker 3: picked up a cubby off marketplace for fifty dollars and 114 00:05:57,040 --> 00:06:00,120 Speaker 3: turned it into an awesome coop for our new baby chicks. 115 00:06:00,360 --> 00:06:03,159 Speaker 3: That was rather than spending four hundred dollars plus on 116 00:06:03,279 --> 00:06:06,520 Speaker 3: a new one, and even better money win. We then 117 00:06:06,600 --> 00:06:10,279 Speaker 3: picked one up free on curbside collection yesterday that we're 118 00:06:10,279 --> 00:06:12,479 Speaker 3: going to paint and make into a chicken town. 119 00:06:13,760 --> 00:06:16,200 Speaker 2: The one we got was the one we got for free. 120 00:06:16,240 --> 00:06:18,000 Speaker 2: It was five hundred and fifty dollars. 121 00:06:18,120 --> 00:06:24,479 Speaker 3: New money win. How good's that? Chicken town? Chickens? 122 00:06:24,520 --> 00:06:26,960 Speaker 2: Oh my god, please, chickens are my favorite. I don't 123 00:06:27,000 --> 00:06:29,120 Speaker 2: know what it is about them. I think they're so cute. 124 00:06:29,400 --> 00:06:32,039 Speaker 2: Third money win. I assume she's going to have eggs 125 00:06:32,200 --> 00:06:36,560 Speaker 2: at some point. My mother, well she's not my mother 126 00:06:36,560 --> 00:06:39,520 Speaker 2: in law technically, but my future mother in law has 127 00:06:39,760 --> 00:06:42,080 Speaker 2: three chickens and we have not bought eggs since she 128 00:06:42,160 --> 00:06:45,000 Speaker 2: got them because they just go to town on the lanes. 129 00:06:44,839 --> 00:06:48,200 Speaker 3: And they are they some fresh some fresh goobies there. 130 00:06:47,960 --> 00:06:50,520 Speaker 2: Are huge and they're so much bigger than the ones 131 00:06:50,560 --> 00:06:52,360 Speaker 2: that you get at the shops as well. Sometimes because 132 00:06:52,360 --> 00:06:54,480 Speaker 2: obviously we're families, so like Okay, sometimes you've got to 133 00:06:54,480 --> 00:06:57,160 Speaker 2: brush a little bit of grass and poop official, but 134 00:06:57,279 --> 00:07:02,440 Speaker 2: totally fine, stunning. We'll look forward to that, Emily. The 135 00:07:02,480 --> 00:07:05,919 Speaker 2: next win Jess is from Mackenzie. I've spent weeks searching 136 00:07:05,960 --> 00:07:08,719 Speaker 2: for my favorite birbery perfume, as it has been sold 137 00:07:08,760 --> 00:07:11,720 Speaker 2: out from chemist Warehouse for months. At chemist Warehouse it 138 00:07:11,800 --> 00:07:13,840 Speaker 2: is one hundred and ten dollars. That is a hot price, 139 00:07:14,520 --> 00:07:16,720 Speaker 2: but she wants to avoid buying it from David Jones, 140 00:07:16,720 --> 00:07:20,320 Speaker 2: where it's two hundred and twenty four dollars. Finally, she 141 00:07:20,400 --> 00:07:23,040 Speaker 2: found it on catch for one hundred and twenty dollars, 142 00:07:23,360 --> 00:07:26,000 Speaker 2: and then her brother ended up giving her money as 143 00:07:26,000 --> 00:07:28,240 Speaker 2: a belated birthday present, so she used that for the perfume. 144 00:07:28,840 --> 00:07:31,320 Speaker 2: It's a money win. Oh my god, incredible. That's a 145 00:07:31,320 --> 00:07:33,160 Speaker 2: lot of money for a perfume. Two hundred dollars. I 146 00:07:33,160 --> 00:07:35,480 Speaker 2: mean it does last you bye, Well that's it. If 147 00:07:35,480 --> 00:07:37,600 Speaker 2: you can get it for the last why not precisely. 148 00:07:38,120 --> 00:07:39,560 Speaker 2: The next win is from Lani. 149 00:07:39,800 --> 00:07:43,960 Speaker 3: I found a delightful cow kettle a cattle if you will, 150 00:07:44,040 --> 00:07:47,440 Speaker 3: she wrote, for thirty eight dollars in an antique store. 151 00:07:47,840 --> 00:07:50,200 Speaker 3: I'm counting it as a money win. Because even though 152 00:07:50,240 --> 00:07:52,480 Speaker 3: I hadn't really set out that day to buy myself 153 00:07:52,480 --> 00:07:55,160 Speaker 3: a cow tea kettle, it brings me so much joy, 154 00:07:55,200 --> 00:07:57,960 Speaker 3: and I feel like it was still a very deliberate purchase. 155 00:07:58,360 --> 00:08:00,480 Speaker 3: I'm still saving for my house deposit, but my future 156 00:08:00,480 --> 00:08:03,520 Speaker 3: house will be filled with kooky, beautiful items that make 157 00:08:03,600 --> 00:08:06,800 Speaker 3: me happy. That's definitely a money win. I love just 158 00:08:06,840 --> 00:08:09,600 Speaker 3: a different Did you see the photo of this in 159 00:08:09,640 --> 00:08:10,800 Speaker 3: the group? Oh my god? 160 00:08:10,880 --> 00:08:13,680 Speaker 2: Yes, so funny. If you haven't seen it, go look 161 00:08:13,680 --> 00:08:14,240 Speaker 2: at the thread. 162 00:08:14,360 --> 00:08:14,800 Speaker 1: I die. 163 00:08:15,040 --> 00:08:17,800 Speaker 3: Yeah, it's amazing. Okay. The next win here is from 164 00:08:17,880 --> 00:08:20,280 Speaker 3: Tyler money Win. I paid off the debt I had 165 00:08:20,360 --> 00:08:23,960 Speaker 3: chosen for January and already made my money saving goal 166 00:08:24,040 --> 00:08:26,760 Speaker 3: for February, so anything extra now goes to the next 167 00:08:26,760 --> 00:08:29,240 Speaker 3: bill I'm working to pay off single mom life, so 168 00:08:29,280 --> 00:08:31,600 Speaker 3: I am determined to stick to my goals for us 169 00:08:31,720 --> 00:08:35,280 Speaker 3: a wholesome money win bear. The next win is from Claire. 170 00:08:35,760 --> 00:08:38,640 Speaker 3: We watched a YouTube video as to how to unblock 171 00:08:38,760 --> 00:08:42,040 Speaker 3: my bathroom sink offers on air. Tasker started at one 172 00:08:42,120 --> 00:08:44,240 Speaker 3: hundred and thirty dollars, but I worked it out on 173 00:08:44,280 --> 00:08:47,079 Speaker 3: my own wholesome little bit of DIY. 174 00:08:47,360 --> 00:08:49,280 Speaker 2: We love to see the ladies doing it for themselves. 175 00:08:49,400 --> 00:08:52,160 Speaker 2: We do really a line like don't rip the pumping 176 00:08:52,200 --> 00:08:52,839 Speaker 2: out of your wall. 177 00:08:53,080 --> 00:08:53,640 Speaker 3: Don't do that. 178 00:08:54,040 --> 00:08:56,320 Speaker 2: You would be surprised. I think, who was it? I 179 00:08:56,360 --> 00:08:58,840 Speaker 2: saw flex mummy talking about this the other day and 180 00:08:59,040 --> 00:09:01,800 Speaker 2: it's it wasn't specific to this situation, but she was 181 00:09:01,880 --> 00:09:04,960 Speaker 2: saying Google is so easy and in this day and 182 00:09:05,000 --> 00:09:07,920 Speaker 2: age people, I mean, we all do it. We pay 183 00:09:07,960 --> 00:09:10,600 Speaker 2: for convenience, and there's nothing wrong with that, but don't 184 00:09:10,679 --> 00:09:14,200 Speaker 2: underestimate the ability to solve a problem with Google, like 185 00:09:14,440 --> 00:09:16,240 Speaker 2: the amount of things that you can fix just by 186 00:09:16,240 --> 00:09:19,199 Speaker 2: giving it a quick Google. Absolutely is She's done here, 187 00:09:19,480 --> 00:09:21,440 Speaker 2: and that's what one hundred and thirty dollars in her 188 00:09:21,440 --> 00:09:23,439 Speaker 2: back pocket that she did not have to spend. 189 00:09:23,200 --> 00:09:26,400 Speaker 3: Precisely that it's quite similar to like doctor Google and 190 00:09:26,480 --> 00:09:30,600 Speaker 3: things like that. Who needs the doctors when you've got Google's. 191 00:09:30,880 --> 00:09:34,880 Speaker 3: There was a little gag there for everyone. Okay, let's 192 00:09:34,920 --> 00:09:40,160 Speaker 3: move on. Actually, between this the chicken coop and the 193 00:09:40,480 --> 00:09:43,040 Speaker 3: cow kettle, I'm not quite sure which is my fave, 194 00:09:43,160 --> 00:09:46,640 Speaker 3: but let's hear it. Money Win. Sorry, it's from Shaney 195 00:09:46,760 --> 00:09:49,360 Speaker 3: Credit where credits due Money Win. I forgot to buy 196 00:09:49,400 --> 00:09:52,800 Speaker 3: potatoes during my grocery shop on Saturday as well as 197 00:09:52,840 --> 00:09:55,680 Speaker 3: fruit happens to us all. Yesterday I popped to the 198 00:09:55,679 --> 00:09:57,920 Speaker 3: shops to get some fruit for the week and found 199 00:09:57,960 --> 00:10:01,520 Speaker 3: two bags of spud Light potato reduced to a dollar 200 00:10:01,559 --> 00:10:04,880 Speaker 3: eighty each, down from five dollars. So I got double 201 00:10:04,920 --> 00:10:09,480 Speaker 3: the potatoes for less than one bag normally. How can 202 00:10:11,280 --> 00:10:14,960 Speaker 3: this community truly just did my tea? No, I know, 203 00:10:15,480 --> 00:10:15,800 Speaker 3: I think the. 204 00:10:15,800 --> 00:10:20,079 Speaker 2: Potato win, we could just be your favorite. 205 00:10:20,360 --> 00:10:22,760 Speaker 3: Okay, that takes me to my final win for today, 206 00:10:22,880 --> 00:10:26,480 Speaker 3: j Rick. So it's from Melinda. She managed to pick 207 00:10:26,559 --> 00:10:29,280 Speaker 3: up a pretty much brand new dice in V six 208 00:10:29,320 --> 00:10:33,000 Speaker 3: for ten dollars to someone I know, for someone who's 209 00:10:33,000 --> 00:10:35,600 Speaker 3: trying to navigate a relationship ending and buying my own 210 00:10:35,640 --> 00:10:37,840 Speaker 3: things to my own place, this was a huge win. 211 00:10:38,440 --> 00:10:42,160 Speaker 3: That's actually like insane that I don't get off. 212 00:10:42,440 --> 00:10:45,240 Speaker 2: That is clearly the universe going, hey, we know you're 213 00:10:45,240 --> 00:10:46,120 Speaker 2: having a hard time. 214 00:10:46,280 --> 00:10:48,600 Speaker 3: I got your back, girl, precisely. 215 00:10:48,320 --> 00:10:50,240 Speaker 2: Sending you lots of love. I hope you're doing okay 216 00:10:50,240 --> 00:10:52,719 Speaker 2: through the breakup, but I mean, if anything's going to 217 00:10:52,760 --> 00:10:54,559 Speaker 2: make you feel better at the ten dollar dison. 218 00:10:54,360 --> 00:10:58,360 Speaker 3: So what a gift? That is it? For the week? 219 00:10:58,480 --> 00:10:59,800 Speaker 3: J Rick until next time. 220 00:11:00,280 --> 00:11:03,400 Speaker 2: Immaculate as always, truly my favorite part of the week. 221 00:11:03,679 --> 00:11:04,800 Speaker 3: Dread I Die. 222 00:11:05,440 --> 00:11:08,040 Speaker 2: If you haven't searched it up, you can search money 223 00:11:08,080 --> 00:11:11,120 Speaker 2: Wins thread. It's pinned in the group as well, get amongst. 224 00:11:11,240 --> 00:11:13,800 Speaker 2: He's always a good time. We love already, George. I 225 00:11:13,840 --> 00:11:17,480 Speaker 2: know we normally do a topical finance thing here. This 226 00:11:17,600 --> 00:11:21,560 Speaker 2: is very topical to finance people within our finance community, 227 00:11:21,640 --> 00:11:24,560 Speaker 2: so I'm gonna include it because I just I need 228 00:11:24,600 --> 00:11:27,680 Speaker 2: to talk about this. I'm so excited. If you don't 229 00:11:27,679 --> 00:11:30,920 Speaker 2: follow us on socials, you wouldn't know she's on the money. 230 00:11:30,920 --> 00:11:36,079 Speaker 2: You're doing events. Yeah, finally we're back. It's been a long, 231 00:11:36,320 --> 00:11:39,679 Speaker 2: long slog to get here. Events were planned and then 232 00:11:39,679 --> 00:11:42,600 Speaker 2: they were canceled. It's been a whole thing, so much 233 00:11:42,640 --> 00:11:44,319 Speaker 2: going on behind the scenes that you guys wouldn't have 234 00:11:44,400 --> 00:11:47,040 Speaker 2: even seen because we were a little sad about it. 235 00:11:47,360 --> 00:11:51,120 Speaker 2: But we're back. We've got two events planned for International 236 00:11:51,160 --> 00:11:54,880 Speaker 2: Women's Day as well, which just felt so appropriate. So 237 00:11:54,920 --> 00:11:57,800 Speaker 2: we have an event in Melbourne on Tuesday, the eighth 238 00:11:57,880 --> 00:12:00,840 Speaker 2: of March, and then an event in Sydney on Thursday 239 00:12:00,880 --> 00:12:04,080 Speaker 2: the tenth. Both are celebrating International Women's day and we 240 00:12:04,160 --> 00:12:05,840 Speaker 2: just have a banger of a day lined up. It 241 00:12:05,920 --> 00:12:07,800 Speaker 2: is a morning event. We tried to make sure that 242 00:12:07,960 --> 00:12:10,280 Speaker 2: it would finish up early, which is pretty typical of 243 00:12:10,280 --> 00:12:13,120 Speaker 2: these International Women's Day events, so that you could pop 244 00:12:13,160 --> 00:12:15,520 Speaker 2: in the morning before work and not have to miss 245 00:12:15,520 --> 00:12:17,600 Speaker 2: a day because we don't want to get in between 246 00:12:17,640 --> 00:12:19,720 Speaker 2: you and making that sweet cash money. 247 00:12:20,200 --> 00:12:24,240 Speaker 3: Okay, so it's a morning event. There's one in Sydney, Yeah, 248 00:12:24,240 --> 00:12:27,360 Speaker 3: and there's one in Melbourne. Correct I hear. We've got 249 00:12:27,360 --> 00:12:29,760 Speaker 3: some guests speakers lined up, talk us through them. 250 00:12:30,120 --> 00:12:33,000 Speaker 2: Oh my goodness. Yes, So we have two incredible speakers 251 00:12:33,000 --> 00:12:35,280 Speaker 2: at each event. The theme this year, if you didn't know, 252 00:12:35,400 --> 00:12:38,040 Speaker 2: is break the Bias for International Women's Day, and we've 253 00:12:38,120 --> 00:12:40,720 Speaker 2: really tried to lean into this with the guests that 254 00:12:40,760 --> 00:12:43,200 Speaker 2: we have coming on board. So in Melbourne we have 255 00:12:43,360 --> 00:12:47,080 Speaker 2: Ashley Strata Jones who she's a writer, she's a speaker, 256 00:12:47,280 --> 00:12:50,840 Speaker 2: an activist of course, and she founded Raise our Voice Australia, 257 00:12:50,960 --> 00:12:55,280 Speaker 2: which is aimed specifically at boosting the number of diverse 258 00:12:55,679 --> 00:12:59,320 Speaker 2: voices involved in public decision making. So we want females, 259 00:12:59,360 --> 00:13:02,000 Speaker 2: we want our non binary friends, people that we don't 260 00:13:02,000 --> 00:13:06,040 Speaker 2: normally see being represented who should absolutely be getting a 261 00:13:06,040 --> 00:13:08,720 Speaker 2: seat at the table and having their say, and so 262 00:13:08,920 --> 00:13:12,200 Speaker 2: Ashley has been a huge campaigner for that, and she's 263 00:13:12,240 --> 00:13:15,640 Speaker 2: been a really big driving force behind that campaign which 264 00:13:15,679 --> 00:13:18,640 Speaker 2: you might have recently see come into play about consent 265 00:13:18,760 --> 00:13:23,200 Speaker 2: being now a mandatory part of school education, which how 266 00:13:23,200 --> 00:13:25,640 Speaker 2: we went this far without that Lord only knows, but 267 00:13:26,200 --> 00:13:28,880 Speaker 2: a huge change that she was a really active part 268 00:13:28,880 --> 00:13:32,160 Speaker 2: of pushing. So she will be just so incredible. I'm 269 00:13:32,200 --> 00:13:33,240 Speaker 2: really really excited to. 270 00:13:33,160 --> 00:13:33,800 Speaker 3: Hear her chat. 271 00:13:33,960 --> 00:13:36,800 Speaker 2: And then also in Melbourn we have Maria Tattle, who 272 00:13:36,840 --> 00:13:39,040 Speaker 2: you might know. She's been around quite a bit. Recently 273 00:13:39,080 --> 00:13:41,760 Speaker 2: she was on I'm a Celeb. She was of course 274 00:13:42,320 --> 00:13:47,200 Speaker 2: Miss Universe, yes I think it was twenty twenty. And 275 00:13:47,240 --> 00:13:49,600 Speaker 2: she's also of course been announced recently as the face 276 00:13:49,640 --> 00:13:53,760 Speaker 2: of Marty Grass. So she's this incredible South Asian media personality. 277 00:13:54,240 --> 00:13:58,520 Speaker 2: She's a huge advocate again for diversity, incredibly talented. She's 278 00:13:58,520 --> 00:14:01,880 Speaker 2: a model, a writer, a commentator, speaker, and she really 279 00:14:01,920 --> 00:14:05,320 Speaker 2: works to create meaningful dialogue and campaign for change as well, 280 00:14:05,360 --> 00:14:08,320 Speaker 2: which we thought was so fantastic. She's also very funny. 281 00:14:08,400 --> 00:14:10,760 Speaker 2: I follow her on TikTok and she is just one 282 00:14:10,840 --> 00:14:12,640 Speaker 2: of those women who really seems to have it all. 283 00:14:12,679 --> 00:14:16,240 Speaker 2: She's gorgeous, she's well spoken, she's very well educated, and 284 00:14:16,280 --> 00:14:18,959 Speaker 2: I often see a lot of discourse in her comments 285 00:14:19,000 --> 00:14:21,800 Speaker 2: from the men just really coming for her, and she 286 00:14:21,880 --> 00:14:25,160 Speaker 2: always handles them with such grace and such voice. Good. 287 00:14:26,160 --> 00:14:29,120 Speaker 2: So again a really reasoned voice that I cannot wait 288 00:14:29,160 --> 00:14:32,360 Speaker 2: to hear. And then in Sydney, another two fabulous women. 289 00:14:32,440 --> 00:14:36,000 Speaker 2: We have Manal al Sharif, who, oh my god, what 290 00:14:36,080 --> 00:14:38,720 Speaker 2: a powerhouse. I am dying to hear this speech. She 291 00:14:39,160 --> 00:14:43,440 Speaker 2: again really influential, but she was a huge voice in 292 00:14:43,520 --> 00:14:47,400 Speaker 2: advocating for women's rights and empowerment, specifically the women to 293 00:14:47,520 --> 00:14:51,080 Speaker 2: Drive movement if you've heard of me, yep, which was 294 00:14:51,120 --> 00:14:55,120 Speaker 2: an absolute banger. The women to Drive movement essentially encourage 295 00:14:55,160 --> 00:14:57,760 Speaker 2: women to step up and quite literally put their foot 296 00:14:57,800 --> 00:15:01,080 Speaker 2: on the pedal. In Saudi Arabia, women didn't drive, it 297 00:15:01,200 --> 00:15:05,080 Speaker 2: just wasn't using. And this was very very recent She 298 00:15:05,200 --> 00:15:09,040 Speaker 2: posted I believe, videos of herself online driving, which, as 299 00:15:09,080 --> 00:15:12,800 Speaker 2: you can imagine, spark some pretty significant controversy. But it 300 00:15:12,880 --> 00:15:17,160 Speaker 2: was that action of hers that really facilitated that change, 301 00:15:17,200 --> 00:15:19,760 Speaker 2: and women to Drive really swept across the nation and 302 00:15:20,240 --> 00:15:23,680 Speaker 2: now they're doing it. It's just it's absolutely incredible. She 303 00:15:23,800 --> 00:15:25,960 Speaker 2: of course also has written a book on the same 304 00:15:26,040 --> 00:15:28,720 Speaker 2: topic and just done a lot of other incredible work 305 00:15:28,760 --> 00:15:31,680 Speaker 2: in that space. So I think that that's going to 306 00:15:31,680 --> 00:15:34,960 Speaker 2: be a really interesting one, particularly because it's global. You know, 307 00:15:35,040 --> 00:15:37,960 Speaker 2: we talk a lot about women. Most of our community 308 00:15:38,040 --> 00:15:39,720 Speaker 2: is based in Australia. I think it's going to be 309 00:15:39,720 --> 00:15:42,560 Speaker 2: incredible to hear a little bit more about how she 310 00:15:42,760 --> 00:15:45,440 Speaker 2: really worked to break the bias on a global scale 311 00:15:45,520 --> 00:15:46,120 Speaker 2: quite literally. 312 00:15:46,440 --> 00:15:49,160 Speaker 3: Yeah, wow, that's some incredible And who's the second speaker. 313 00:15:49,600 --> 00:15:53,280 Speaker 2: Our final speaker is Tracy Spicer, who people I think 314 00:15:53,400 --> 00:15:57,320 Speaker 2: might recognize because she's worked in journalism and broadcast media. 315 00:15:58,000 --> 00:16:00,920 Speaker 2: She accepted the Sydney Peace Prize for her work on 316 00:16:00,960 --> 00:16:03,480 Speaker 2: the Me Too movement and she actually also won the 317 00:16:03,600 --> 00:16:06,840 Speaker 2: National Award for Excellence in Women's Leadership through Women in 318 00:16:06,920 --> 00:16:10,920 Speaker 2: Leadership Australia. Again just really campaigning for women. The Me 319 00:16:11,000 --> 00:16:13,960 Speaker 2: Too movement we can all agree was huge and incredible 320 00:16:14,000 --> 00:16:17,440 Speaker 2: and is still huge and incredible and such important work. 321 00:16:17,680 --> 00:16:21,640 Speaker 2: And I think as a woman in media, I'm not 322 00:16:21,720 --> 00:16:23,800 Speaker 2: really a woman in media like she's on one that is. 323 00:16:24,360 --> 00:16:26,680 Speaker 2: I mean, she's on one is media, but Tracy was 324 00:16:26,800 --> 00:16:31,080 Speaker 2: very present in traditional media, so daytime television, and I 325 00:16:31,080 --> 00:16:34,080 Speaker 2: think that there needs to be an acknowledgement of the 326 00:16:34,120 --> 00:16:38,080 Speaker 2: amount of pressure that those women must feel to look 327 00:16:38,120 --> 00:16:40,960 Speaker 2: after their jobs, which absolutely should. 328 00:16:40,640 --> 00:16:41,160 Speaker 3: Not be a thing. 329 00:16:41,600 --> 00:16:44,640 Speaker 2: But you know, it's towing that line of sharing what 330 00:16:44,680 --> 00:16:47,320 Speaker 2: you think is right, that what is appropriate, and I 331 00:16:47,360 --> 00:16:50,280 Speaker 2: can imagine that that would be really challenging to sometimes 332 00:16:50,760 --> 00:16:53,160 Speaker 2: walk that line. And we have heard women, I think, 333 00:16:53,200 --> 00:16:55,680 Speaker 2: as this movement's come out more and more talk about 334 00:16:55,680 --> 00:16:58,280 Speaker 2: that and talk about how sometimes they look to the 335 00:16:58,280 --> 00:17:01,400 Speaker 2: other way. And that's where this Meetia two movement really 336 00:17:01,480 --> 00:17:04,879 Speaker 2: kind of kicked off and made some significant change in 337 00:17:04,880 --> 00:17:08,480 Speaker 2: that space. So she's a seasoned professional, she's been around 338 00:17:08,480 --> 00:17:10,919 Speaker 2: for many years, and I think she's going to have 339 00:17:11,119 --> 00:17:13,840 Speaker 2: a lot of really insightful information to share with us 340 00:17:13,840 --> 00:17:14,560 Speaker 2: in the community. 341 00:17:14,760 --> 00:17:18,920 Speaker 3: How exciting. So we've got amazing speakers. Vickid will be there, 342 00:17:18,960 --> 00:17:21,800 Speaker 3: You and I will be there. How exciting. Yeah, And 343 00:17:21,800 --> 00:17:24,520 Speaker 3: there's also going to be some freebies, which I am 344 00:17:24,720 --> 00:17:28,320 Speaker 3: fairly excited about. Heard some whispers about some free oat lattes. 345 00:17:28,359 --> 00:17:29,080 Speaker 3: Is this true? 346 00:17:29,200 --> 00:17:31,719 Speaker 2: Oh my gosh. Of course, we know we all love 347 00:17:31,760 --> 00:17:34,560 Speaker 2: a freebie, We love a money win, So you're absolutely correct. 348 00:17:34,600 --> 00:17:36,919 Speaker 2: There's going to be an Oatmelk glasses stand of course, 349 00:17:37,200 --> 00:17:39,960 Speaker 2: very on brand. There's going to be breakfast cannopees, of 350 00:17:39,960 --> 00:17:43,200 Speaker 2: course because it's an early morning. And we have these 351 00:17:43,400 --> 00:17:47,560 Speaker 2: incredible gift bags. If I do say so myself, they're 352 00:17:47,600 --> 00:17:50,399 Speaker 2: literally worth more than what you're paying for a ticket. 353 00:17:50,560 --> 00:17:52,320 Speaker 2: So okay, you're making money. 354 00:17:52,520 --> 00:17:54,199 Speaker 3: Are you able to tell us what's in them? Or 355 00:17:54,280 --> 00:17:56,680 Speaker 3: is it like a surprise for the day. Oh, you know. 356 00:17:56,680 --> 00:17:59,280 Speaker 2: What, let me give you a little insight. So the 357 00:17:59,320 --> 00:18:01,199 Speaker 2: big thing for us is we did not want this 358 00:18:01,280 --> 00:18:03,200 Speaker 2: to be an event where it's like, here's a brochure 359 00:18:03,280 --> 00:18:06,480 Speaker 2: and a pen, thank you so much for coming. So 360 00:18:06,560 --> 00:18:09,760 Speaker 2: we've spoken to some brands and you'll recognize every name 361 00:18:09,800 --> 00:18:12,200 Speaker 2: on this list because they're all brands that the She's 362 00:18:12,200 --> 00:18:15,479 Speaker 2: on the Money team use and love. So my go 363 00:18:15,680 --> 00:18:19,400 Speaker 2: to the viral skin exfoliating glove that we're all obsessed with. 364 00:18:19,560 --> 00:18:22,920 Speaker 2: You're going to get one of those Sirene's skincare. If 365 00:18:22,920 --> 00:18:26,200 Speaker 2: you follow Victoria, she is obsessed with their foam to 366 00:18:26,280 --> 00:18:29,040 Speaker 2: Joel cleanser. She got me on Twitter as well. It's incredible. 367 00:18:29,080 --> 00:18:33,280 Speaker 2: You're going to get one of them. Aliekd are supplying accessories, 368 00:18:33,520 --> 00:18:37,359 Speaker 2: our faves I know our faves literally the unofficial uniform 369 00:18:37,400 --> 00:18:40,920 Speaker 2: of the year from the team Bang and Body. The moisturizer, 370 00:18:40,960 --> 00:18:43,119 Speaker 2: I don't know have you used it before doing this girl? 371 00:18:43,440 --> 00:18:46,840 Speaker 3: Oh that's stuff is the best. God, it smells good. 372 00:18:47,160 --> 00:18:49,280 Speaker 2: So good. So everyone's going to get one of them. 373 00:18:49,720 --> 00:18:51,600 Speaker 2: Our Melbourne friends are going to get a copy of 374 00:18:51,640 --> 00:18:54,840 Speaker 2: Frankie mag The team at Benefit are giving us brow products. 375 00:18:55,040 --> 00:18:57,680 Speaker 2: Yes you can drinks. Are going to pop some alcohol 376 00:18:57,720 --> 00:19:00,399 Speaker 2: free because there's no age limit on a ten, so 377 00:19:00,920 --> 00:19:05,040 Speaker 2: alcohol free beverages in. And then we're also popping in 378 00:19:05,200 --> 00:19:07,560 Speaker 2: the ses on the Money Daily notepad and some stickers. 379 00:19:07,600 --> 00:19:09,919 Speaker 2: You might have seen them floating around. You can't actually 380 00:19:09,920 --> 00:19:12,680 Speaker 2: buy those. They're just something that we give away when 381 00:19:12,680 --> 00:19:14,719 Speaker 2: we do giveaways some stuff. So everyone's going to get 382 00:19:14,880 --> 00:19:17,679 Speaker 2: about as well. We're still chatting to a few brands. 383 00:19:17,720 --> 00:19:19,960 Speaker 2: There might even be a few more surprises. If you 384 00:19:20,000 --> 00:19:22,040 Speaker 2: are a brand that you're a friend of the show 385 00:19:22,080 --> 00:19:23,720 Speaker 2: and you want to get in on it, sign into 386 00:19:23,720 --> 00:19:27,320 Speaker 2: our dms. But it's going to be spectacular. It's already 387 00:19:27,320 --> 00:19:29,919 Speaker 2: worth over one hundred and fifty dollars, which is amazing. 388 00:19:30,200 --> 00:19:31,760 Speaker 2: We're not going to send you home empty handed. We 389 00:19:31,800 --> 00:19:32,520 Speaker 2: just couldn't do it. 390 00:19:32,680 --> 00:19:34,720 Speaker 3: No, And Joe Rick, you know what the best part. 391 00:19:34,960 --> 00:19:37,160 Speaker 3: I mean, there's a lot of best parts to these events, 392 00:19:37,200 --> 00:19:39,679 Speaker 3: but the Shoes on the Money community is going to 393 00:19:39,680 --> 00:19:42,440 Speaker 3: have a chance to meet each other in the flesh, 394 00:19:42,480 --> 00:19:44,720 Speaker 3: and they really haven't had the opportunity to do that 395 00:19:44,760 --> 00:19:46,840 Speaker 3: in the last two years. Like it's it's going to 396 00:19:46,840 --> 00:19:47,480 Speaker 3: be great. 397 00:19:47,680 --> 00:19:49,280 Speaker 2: It's going to be great. It's not even about like, 398 00:19:49,359 --> 00:19:51,080 Speaker 2: I'm so excited that we get to meet you and 399 00:19:51,160 --> 00:19:53,880 Speaker 2: hug you and squeeze you. But I think outside of that, 400 00:19:54,280 --> 00:19:56,520 Speaker 2: there's going to be a couple of hundred people in 401 00:19:56,560 --> 00:19:59,920 Speaker 2: that room who share your interest and share your passion, 402 00:20:00,240 --> 00:20:04,080 Speaker 2: and we've specifically allocated time for people to meet each 403 00:20:04,080 --> 00:20:06,040 Speaker 2: other and mingle, and we're going to facilitate that in 404 00:20:06,080 --> 00:20:08,320 Speaker 2: a way that it's not super awkward, because as a 405 00:20:08,359 --> 00:20:11,280 Speaker 2: socially anxious person, I would hear that and be so afraid. 406 00:20:11,680 --> 00:20:14,840 Speaker 2: So don't stress. But we really hope that you can 407 00:20:15,400 --> 00:20:17,760 Speaker 2: make some friends who are local to you that you 408 00:20:17,800 --> 00:20:20,800 Speaker 2: can connect with and lean on, because sometimes we do 409 00:20:20,920 --> 00:20:23,080 Speaker 2: talk about in the community it can be hard working 410 00:20:23,160 --> 00:20:25,400 Speaker 2: on those big goals, right ge when you don't have 411 00:20:25,880 --> 00:20:28,840 Speaker 2: friends who share that value or that vision. And it's 412 00:20:28,880 --> 00:20:31,080 Speaker 2: not a bad thing, but everyone's on their own journey 413 00:20:31,119 --> 00:20:32,919 Speaker 2: and sometimes you just want a friend that you can 414 00:20:32,960 --> 00:20:34,920 Speaker 2: text and say, hey, I got a one dollar bag 415 00:20:34,960 --> 00:20:38,960 Speaker 2: of potatoes. You want them to sealry? 416 00:20:39,600 --> 00:20:43,800 Speaker 3: Yes, I can't wait, So I'm assuming we'll put like 417 00:20:43,800 --> 00:20:45,800 Speaker 3: a link in the show notes for the girlies to 418 00:20:45,960 --> 00:20:46,640 Speaker 3: find out more. 419 00:20:47,160 --> 00:20:49,639 Speaker 2: Absolutely check it out. All the details are there. Melbourne 420 00:20:49,640 --> 00:20:52,600 Speaker 2: and Sydney tickets are available now. They are limited, and 421 00:20:52,640 --> 00:20:54,159 Speaker 2: I don't mean to say that to be like you 422 00:20:54,240 --> 00:20:56,919 Speaker 2: must buy, please sleep on the purchase if you need to, 423 00:20:57,240 --> 00:20:59,400 Speaker 2: But I didn't want to just be like they're infinite, 424 00:20:59,480 --> 00:21:02,920 Speaker 2: because they're still capacity limits on venues and stuff like that. 425 00:21:03,080 --> 00:21:05,840 Speaker 2: So check it out. If you have any questions, slide 426 00:21:05,840 --> 00:21:07,159 Speaker 2: into our DMS let us know. 427 00:21:07,320 --> 00:21:08,680 Speaker 3: But we are so. 428 00:21:08,840 --> 00:21:11,920 Speaker 2: Pumped to see you now. I literally cannot wait. It's 429 00:21:11,920 --> 00:21:14,200 Speaker 2: all I think about every day and probably will think 430 00:21:14,200 --> 00:21:16,560 Speaker 2: about every day for the next couple of weeks. You 431 00:21:16,640 --> 00:21:19,199 Speaker 2: and b both my girl. Should we head to a 432 00:21:19,240 --> 00:21:22,000 Speaker 2: break Yeah, absolutely, We'll be back right in a second. 433 00:21:22,960 --> 00:21:26,120 Speaker 2: It is Friday, which means it's time to answer your 434 00:21:26,119 --> 00:21:29,880 Speaker 2: most burning finance, career and life questions. If you need 435 00:21:29,920 --> 00:21:33,280 Speaker 2: help untangling a naughty dilemma, no matter how big or small, 436 00:21:33,640 --> 00:21:35,880 Speaker 2: send us through a voice note to podcast at She's 437 00:21:35,920 --> 00:21:37,800 Speaker 2: on the money dot com dot a U and will 438 00:21:37,800 --> 00:21:40,720 Speaker 2: help you find the answer you've been searching for. Now, 439 00:21:40,920 --> 00:21:43,200 Speaker 2: let's press play on today's listener question. 440 00:21:43,760 --> 00:21:46,000 Speaker 4: Hi, She's in the Money team. I'm in a bit 441 00:21:46,000 --> 00:21:48,399 Speaker 4: of an awkward situation. So a really good friend of 442 00:21:48,400 --> 00:21:51,080 Speaker 4: mine has asked to borrow two and a half thousand dollars. 443 00:21:51,240 --> 00:21:54,159 Speaker 4: I've actually been working my journey towards financial freedom for 444 00:21:54,200 --> 00:21:56,439 Speaker 4: some time, and I often share my wings with her, 445 00:21:56,480 --> 00:21:58,640 Speaker 4: so she knows that I can afford it. I feel 446 00:21:58,640 --> 00:22:00,720 Speaker 4: a little bit uncomfortable with the whole situation, but I 447 00:22:00,720 --> 00:22:02,359 Speaker 4: don't know how to say no without seeing like a 448 00:22:02,400 --> 00:22:03,040 Speaker 4: bad friend. 449 00:22:03,640 --> 00:22:04,280 Speaker 3: What should I do? 450 00:22:04,600 --> 00:22:09,879 Speaker 2: Alrighty straight into it, Jessica Richie, what are your thoughts? 451 00:22:10,400 --> 00:22:10,840 Speaker 3: My girl? 452 00:22:11,880 --> 00:22:14,800 Speaker 2: It's a really tough one. As I've said before, I 453 00:22:14,840 --> 00:22:17,760 Speaker 2: am someone who likes to catastrophize, so I am fully 454 00:22:17,840 --> 00:22:20,520 Speaker 2: on board with some healthy skepticism. I do not think 455 00:22:20,560 --> 00:22:22,760 Speaker 2: it's a bad thing. It doesn't say anything about your 456 00:22:22,800 --> 00:22:25,640 Speaker 2: relationship with your friend or how much you trust her, 457 00:22:25,960 --> 00:22:28,879 Speaker 2: But I think when we're talking about big sums of money, 458 00:22:29,240 --> 00:22:32,439 Speaker 2: it's important to ask these questions. So firstly, good on 459 00:22:32,560 --> 00:22:36,679 Speaker 2: her I personally, and I can only speak from my 460 00:22:36,760 --> 00:22:39,560 Speaker 2: personal experience, especially because we don't have the finance expert here, 461 00:22:39,560 --> 00:22:42,800 Speaker 2: we're just giving it a good old hunt. But I 462 00:22:42,880 --> 00:22:46,720 Speaker 2: personally do not believe I would lend a friend this money. 463 00:22:46,960 --> 00:22:49,760 Speaker 2: It's hard because it is dependent as well on circumstance, 464 00:22:49,800 --> 00:22:53,000 Speaker 2: like if your friend is potentially trying to leave a 465 00:22:53,080 --> 00:22:57,880 Speaker 2: dangerous situation or I can totally understand where there might 466 00:22:57,920 --> 00:23:00,560 Speaker 2: be that need, but if that is the case, there 467 00:23:00,640 --> 00:23:04,840 Speaker 2: is also resources available to assist people. So depending on 468 00:23:04,920 --> 00:23:07,719 Speaker 2: what she needs the money for, I think is going 469 00:23:07,800 --> 00:23:11,240 Speaker 2: to really impact your decision. And so if she's in 470 00:23:11,240 --> 00:23:12,800 Speaker 2: a lot of debt, put her in touch with our 471 00:23:12,840 --> 00:23:15,080 Speaker 2: friends at the National Debt Helpline. If she is in 472 00:23:15,119 --> 00:23:18,360 Speaker 2: a dangerous situation, go back and listen to our financial 473 00:23:18,359 --> 00:23:22,080 Speaker 2: abuse episode. There's a heap of resources in there that 474 00:23:22,119 --> 00:23:25,919 Speaker 2: she can access that's applicable to any kind of abusive situation. Really, 475 00:23:26,520 --> 00:23:28,200 Speaker 2: if she's just in a bit of a tight spot 476 00:23:28,200 --> 00:23:32,439 Speaker 2: where she's overspent and can't afford rent this month, I 477 00:23:32,480 --> 00:23:35,080 Speaker 2: don't want to sound like an asshole. I really don't. 478 00:23:35,160 --> 00:23:38,119 Speaker 2: Please don't take this the wrong way, but I worry 479 00:23:38,160 --> 00:23:44,240 Speaker 2: that by bailing someone out, potentially you're enabling that bad habit. 480 00:23:44,880 --> 00:23:47,960 Speaker 2: There are very few situations financially where you can't get 481 00:23:47,960 --> 00:23:49,399 Speaker 2: a bit of leeway. So if she is late on 482 00:23:49,440 --> 00:23:51,760 Speaker 2: her rent or on her bills, she can actually just 483 00:23:51,800 --> 00:23:53,959 Speaker 2: get in touch with her provider and let them know 484 00:23:54,160 --> 00:23:57,200 Speaker 2: that she's experiencing financial hardship. I think that's an option. 485 00:23:57,240 --> 00:23:58,879 Speaker 2: A lot of people don't know he's on the table, 486 00:23:59,080 --> 00:24:01,960 Speaker 2: so that's the case. Let her know that she can 487 00:24:02,040 --> 00:24:05,240 Speaker 2: reach out and facilitate a payment plan or something like that. 488 00:24:05,440 --> 00:24:08,840 Speaker 2: But as much as you say you can afford it, 489 00:24:08,920 --> 00:24:11,160 Speaker 2: which is great, you've obviously worked really hard to put 490 00:24:11,160 --> 00:24:14,879 Speaker 2: yourself in that position, you have to consider that the 491 00:24:14,960 --> 00:24:17,440 Speaker 2: money you put out there might not come back. And again, 492 00:24:17,880 --> 00:24:19,840 Speaker 2: very skeptical of me to say, I know that she's 493 00:24:19,880 --> 00:24:21,600 Speaker 2: a good friend of yours and you said you trust 494 00:24:21,600 --> 00:24:25,000 Speaker 2: her and whatever else, but I don't think you should 495 00:24:25,000 --> 00:24:28,520 Speaker 2: ever put money out there unless you're prepared to not 496 00:24:28,560 --> 00:24:30,239 Speaker 2: get it back because you just don't know. 497 00:24:30,520 --> 00:24:34,560 Speaker 3: No, I one hundred percent agree with you. If you're 498 00:24:35,000 --> 00:24:38,359 Speaker 3: going to be lending really any amount of money to 499 00:24:38,440 --> 00:24:41,040 Speaker 3: a friend or even a family member, you just need 500 00:24:41,119 --> 00:24:46,040 Speaker 3: to know that it's not pretty likely, but there's a 501 00:24:46,040 --> 00:24:49,800 Speaker 3: good chance you won't get it back, and there's kind 502 00:24:49,800 --> 00:24:52,439 Speaker 3: of not much you can do about that. And we 503 00:24:52,560 --> 00:24:55,760 Speaker 3: know that money and friendships and money and relationships with 504 00:24:55,800 --> 00:24:59,480 Speaker 3: like family members, it can get really sticky really quickly. 505 00:25:00,040 --> 00:25:05,320 Speaker 3: And I find like people's relationship with money it can 506 00:25:05,359 --> 00:25:09,479 Speaker 3: also be quite confusing. Like I feel like people can 507 00:25:09,600 --> 00:25:13,239 Speaker 3: kind of convince themselves that the money that they've been 508 00:25:13,320 --> 00:25:16,320 Speaker 3: lent has been given to them and it's their money, 509 00:25:16,440 --> 00:25:20,200 Speaker 3: Like they kind of can tell themselves these stories about 510 00:25:20,440 --> 00:25:22,920 Speaker 3: that money. Does that make any kind of sense? 511 00:25:22,960 --> 00:25:25,719 Speaker 2: Jets, Yeah, I think so. I saw actually a post 512 00:25:25,760 --> 00:25:27,440 Speaker 2: in the group. It was a little while back now, 513 00:25:27,480 --> 00:25:29,560 Speaker 2: but it was someone saying that she actually had let 514 00:25:29,600 --> 00:25:32,120 Speaker 2: money to someone that she lived with, and then they 515 00:25:32,160 --> 00:25:34,639 Speaker 2: had a heap of packages coming to the house. And 516 00:25:34,680 --> 00:25:37,120 Speaker 2: it's hard because you lent you know, I assume you're 517 00:25:37,119 --> 00:25:38,840 Speaker 2: going to lend this money in the hope that it's 518 00:25:39,000 --> 00:25:44,159 Speaker 2: going to some broad or important situation. But then are 519 00:25:44,200 --> 00:25:47,159 Speaker 2: you going to be fact checking what she's doing? You know, 520 00:25:47,200 --> 00:25:49,600 Speaker 2: if she goes out for dinner or goes out for drinks, 521 00:25:49,720 --> 00:25:52,320 Speaker 2: You're going to be questioning those choices because I think 522 00:25:52,359 --> 00:25:54,880 Speaker 2: the other element to this, outside of the potential loss 523 00:25:54,880 --> 00:25:58,320 Speaker 2: of the actual money, is the impact that it's going 524 00:25:58,359 --> 00:26:02,199 Speaker 2: to have on your relationship, because I mean, is she 525 00:26:02,240 --> 00:26:04,159 Speaker 2: going to pay it back in two weeks? Is she 526 00:26:04,240 --> 00:26:06,159 Speaker 2: going to pay it back in two months? Is it 527 00:26:06,280 --> 00:26:09,960 Speaker 2: just when she can afford it? Because I think all 528 00:26:10,000 --> 00:26:12,359 Speaker 2: of those things factor in. And if she's like, oh, 529 00:26:12,400 --> 00:26:14,320 Speaker 2: I'm really sorry, like I can't afford to pay you 530 00:26:14,400 --> 00:26:17,280 Speaker 2: back for a couple of months, are you then going 531 00:26:17,320 --> 00:26:19,240 Speaker 2: to be kind of watching what she's doing and getting 532 00:26:19,320 --> 00:26:21,560 Speaker 2: frustrated with her? And is that going to kind of 533 00:26:21,640 --> 00:26:24,480 Speaker 2: impact the way that you relate to each other, Because 534 00:26:25,240 --> 00:26:27,840 Speaker 2: I think you need to put some value on that 535 00:26:28,000 --> 00:26:29,959 Speaker 2: as well. And I know that it's really hard, Like 536 00:26:30,000 --> 00:26:32,840 Speaker 2: I know that she's asking this question because she doesn't 537 00:26:32,880 --> 00:26:35,919 Speaker 2: know how to have that conversation or if it's okay 538 00:26:35,960 --> 00:26:38,840 Speaker 2: to have that conversation, and it absolutely is. Is I 539 00:26:38,840 --> 00:26:41,199 Speaker 2: think the first thing we should probably say, Like you 540 00:26:41,240 --> 00:26:43,000 Speaker 2: were allowed to say no, it doesn't make you a 541 00:26:43,040 --> 00:26:46,639 Speaker 2: bad person, but gee, how would you maybe go about 542 00:26:46,680 --> 00:26:49,119 Speaker 2: having that conversation with someone because as you said, it 543 00:26:49,200 --> 00:26:50,000 Speaker 2: is very sticky. 544 00:26:50,240 --> 00:26:51,640 Speaker 3: Yeah, as in saying no. 545 00:26:52,240 --> 00:26:54,040 Speaker 2: Yeah, Like let's say she's going to go no, I'm 546 00:26:54,080 --> 00:26:56,040 Speaker 2: really sorry. It just doesn't seem like the right choice 547 00:26:56,080 --> 00:26:58,040 Speaker 2: for me. How do you reckon? She could best have 548 00:26:58,080 --> 00:26:59,119 Speaker 2: that that chat? 549 00:27:00,080 --> 00:27:04,280 Speaker 3: Okay, So you would definitely want it to be an 550 00:27:04,280 --> 00:27:07,320 Speaker 3: in person chat, I would suggest. I think these things 551 00:27:07,359 --> 00:27:10,720 Speaker 3: can get quite toxic quite quickly if they're done via 552 00:27:11,040 --> 00:27:16,160 Speaker 3: a messaging app or service, So avoid text, avoid WhatsApp, 553 00:27:16,200 --> 00:27:20,399 Speaker 3: avoid messenger, because you know how we can all be 554 00:27:20,960 --> 00:27:25,760 Speaker 3: tone gets missed and things get weird. So yes, in 555 00:27:25,800 --> 00:27:28,480 Speaker 3: person is the way to go. And I would just 556 00:27:28,640 --> 00:27:32,160 Speaker 3: be really honest and upfront and really lean on the 557 00:27:32,200 --> 00:27:36,320 Speaker 3: fact that you don't want this to jeopardize your friendship 558 00:27:36,400 --> 00:27:38,760 Speaker 3: in any way because you value that way too much, 559 00:27:39,280 --> 00:27:42,760 Speaker 3: and probably just point them into the direction of the 560 00:27:42,800 --> 00:27:46,080 Speaker 3: resources that could help them. If you're a regular listener 561 00:27:46,080 --> 00:27:48,200 Speaker 3: to Sheese on the Money, as it sounds like you are, 562 00:27:48,320 --> 00:27:51,440 Speaker 3: if you're sending us in your question, then yeah, you'll 563 00:27:51,440 --> 00:27:54,199 Speaker 3: know as just said before that we have the National 564 00:27:54,240 --> 00:27:56,960 Speaker 3: Debt Helpline who we lean on all the time, and 565 00:27:57,000 --> 00:27:59,560 Speaker 3: there are a number of services out there that can 566 00:27:59,720 --> 00:28:02,840 Speaker 3: help and Yeah, as you said before, j Rick, like 567 00:28:02,880 --> 00:28:05,159 Speaker 3: a lot of providers, if she's behind on her bills 568 00:28:05,240 --> 00:28:08,240 Speaker 3: or her rent, they are often willing to give you 569 00:28:08,280 --> 00:28:10,639 Speaker 3: a little bit of leeway if push comes to shove. 570 00:28:10,800 --> 00:28:14,359 Speaker 3: So I think probably explaining that to her and then yeah, 571 00:28:14,440 --> 00:28:17,040 Speaker 3: just really reiterating how special the friendship is and how 572 00:28:17,080 --> 00:28:19,879 Speaker 3: you really don't want to jeopardize that would be my 573 00:28:20,359 --> 00:28:23,920 Speaker 3: key takeaways. And yeah, doing it in person. 574 00:28:24,000 --> 00:28:28,000 Speaker 2: Yeah, an, Yeah, I think I would just say, if 575 00:28:28,000 --> 00:28:31,040 Speaker 2: you're a little worse like me and not great on 576 00:28:31,080 --> 00:28:35,359 Speaker 2: the confrontation front, depending on how much I guess of 577 00:28:35,440 --> 00:28:40,360 Speaker 2: your financial journey you've shared, don't be afraid to I 578 00:28:40,360 --> 00:28:42,280 Speaker 2: don't want to say lie. I'm not gonna say lie, 579 00:28:42,600 --> 00:28:47,920 Speaker 2: but just fabricate some truth, yeah, in the sense of 580 00:28:48,320 --> 00:28:51,440 Speaker 2: you don't have to justify this decision or every dollar 581 00:28:51,440 --> 00:28:55,120 Speaker 2: that you have. So if you're really worried about hurting 582 00:28:55,120 --> 00:28:58,560 Speaker 2: her feelings or anything like that, you could potentially just say, hey, like, 583 00:28:58,640 --> 00:29:01,920 Speaker 2: my money's actually tied up in stocks, or it's in 584 00:29:01,960 --> 00:29:04,800 Speaker 2: an high interest savings account that I can't access, or 585 00:29:04,800 --> 00:29:07,920 Speaker 2: I'm penalized if I access it. Just because you have 586 00:29:08,000 --> 00:29:10,880 Speaker 2: money or you have assets doesn't necessarily mean that you 587 00:29:10,960 --> 00:29:14,840 Speaker 2: have easy access to it. And again, you don't have 588 00:29:14,920 --> 00:29:17,720 Speaker 2: to justify that to someone. So if you are someone 589 00:29:17,920 --> 00:29:21,000 Speaker 2: who has a little bit of trouble in those situations, 590 00:29:21,640 --> 00:29:24,280 Speaker 2: something like that might be helpful. Obviously we don't condone 591 00:29:24,440 --> 00:29:27,800 Speaker 2: lying on the rig, but you know, starting a little 592 00:29:27,800 --> 00:29:30,360 Speaker 2: bit of mayo, a little bit can mayo to your 593 00:29:30,400 --> 00:29:33,640 Speaker 2: story to preserve a friendship, I think can be worthwhile. 594 00:29:33,720 --> 00:29:35,800 Speaker 2: And again going into it if that's what you're saying 595 00:29:36,120 --> 00:29:38,160 Speaker 2: and saying, hey, like I actually can't help you, but 596 00:29:38,280 --> 00:29:40,800 Speaker 2: here's a heap of resources that can Like I found 597 00:29:40,920 --> 00:29:44,080 Speaker 2: the email or the phone number, or did you know 598 00:29:44,120 --> 00:29:46,120 Speaker 2: you can call your bank to get a pause on 599 00:29:46,160 --> 00:29:49,479 Speaker 2: your credit card repayments or anything like that. You know, 600 00:29:49,520 --> 00:29:52,240 Speaker 2: it's incredible that you want to help her, that's really 601 00:29:52,280 --> 00:29:55,640 Speaker 2: generous and really kind, but you also are not obliged 602 00:29:55,680 --> 00:29:59,000 Speaker 2: to put yourself in a situation that you don't want 603 00:29:59,000 --> 00:29:59,959 Speaker 2: to be in financially. 604 00:30:00,360 --> 00:30:04,280 Speaker 3: Yeah, and I think also like it probably is a 605 00:30:04,320 --> 00:30:06,640 Speaker 3: really big deal for this friend to be opening up 606 00:30:06,640 --> 00:30:08,720 Speaker 3: to you and saying, hey, I'm not in a good 607 00:30:08,960 --> 00:30:12,440 Speaker 3: financial position, can you help me out? Like that's they're 608 00:30:12,440 --> 00:30:15,920 Speaker 3: putting themselves in a very vulnerable situation, So just listening 609 00:30:15,920 --> 00:30:18,840 Speaker 3: to them and maybe even lending them some of your 610 00:30:18,840 --> 00:30:21,480 Speaker 3: shoes on the money expertise, suggesting they listen to the 611 00:30:21,520 --> 00:30:24,240 Speaker 3: podcast to try and get their finances on track. I 612 00:30:24,240 --> 00:30:27,120 Speaker 3: think they can be really helpful things as well. So 613 00:30:27,200 --> 00:30:32,000 Speaker 3: just yeah, be very kind as always. But yeah, it's 614 00:30:32,000 --> 00:30:33,800 Speaker 3: a tricky one. But two and a half thousand dollars 615 00:30:33,840 --> 00:30:38,000 Speaker 3: that is not play money? Is that the expression? That's 616 00:30:38,040 --> 00:30:38,920 Speaker 3: re di digitch cash? 617 00:30:39,360 --> 00:30:41,680 Speaker 2: Yeah, exactly right, And I think it is like we're 618 00:30:41,680 --> 00:30:45,360 Speaker 2: talking very generally, but very dependent on the situation, seeing 619 00:30:45,400 --> 00:30:47,120 Speaker 2: if you can help in other ways. You know, do 620 00:30:47,200 --> 00:30:50,360 Speaker 2: they need help with putting together a budget, or do 621 00:30:50,400 --> 00:30:52,800 Speaker 2: they need help with maybe figuring out how to cut 622 00:30:52,840 --> 00:30:55,200 Speaker 2: down their expenses. There are other ways that you can 623 00:30:55,200 --> 00:30:58,640 Speaker 2: definitely lean into helping her save money that don't require 624 00:30:58,720 --> 00:30:59,920 Speaker 2: you coughing up your own cash. 625 00:31:00,240 --> 00:31:02,440 Speaker 3: Yeah, one hundred percent, Ja, Rick, I feel like you 626 00:31:02,480 --> 00:31:05,120 Speaker 3: had some very good ideas, as you always do. 627 00:31:05,160 --> 00:31:08,480 Speaker 2: Who needs Victoria divine? I think it's for Jessica Richie show, 628 00:31:08,760 --> 00:31:10,960 Speaker 2: stop it the G and J Show. We're coming for you, 629 00:31:11,080 --> 00:31:12,320 Speaker 2: but also not really Victoria. 630 00:31:12,360 --> 00:31:15,640 Speaker 3: We miss you. Please come back to get that internet sorted. Woman. 631 00:31:15,840 --> 00:31:18,080 Speaker 2: Amazing but just before we head off, we like to 632 00:31:18,120 --> 00:31:21,320 Speaker 2: acknowledge and pay respect for Australia's Aboriginal and Torres Strait 633 00:31:21,360 --> 00:31:24,320 Speaker 2: island of peoples who are the traditional custodians of the lands, 634 00:31:24,400 --> 00:31:27,760 Speaker 2: the waterways and the skies all across Australia. We thank 635 00:31:27,800 --> 00:31:30,000 Speaker 2: you for sharing and for caring for the land on 636 00:31:30,040 --> 00:31:32,440 Speaker 2: which we are able to learn. We pay our respects 637 00:31:32,480 --> 00:31:35,240 Speaker 2: to elders past and present, and we share our friendship 638 00:31:35,280 --> 00:31:38,520 Speaker 2: and our kindness. And remember, guys, that the advice sheared 639 00:31:38,600 --> 00:31:41,960 Speaker 2: on She's on the Money is general in nature, especially today, 640 00:31:42,200 --> 00:31:45,800 Speaker 2: and does not consider your individual circumstances. She's on the 641 00:31:45,840 --> 00:31:49,240 Speaker 2: Money exists purely for educational purposes and should not be 642 00:31:49,280 --> 00:31:52,160 Speaker 2: relied upon to make an investment or a financial decision. 643 00:31:52,640 --> 00:31:56,240 Speaker 2: And we promise Victoria Divine is an authorized representative of 644 00:31:56,320 --> 00:32:01,160 Speaker 2: Infocused Securities Australia Proprietary Limited ABM AT four seven zero 645 00:32:01,280 --> 00:32:05,080 Speaker 2: ninety seven seven nine seven zero four nine A for sale. 646 00:32:04,960 --> 00:32:08,080 Speaker 3: Two three six five two three. I can't get that right. 647 00:32:08,400 --> 00:32:10,960 Speaker 3: The floor is all off. Oh thanks girl, we'll get there. 648 00:32:11,040 --> 00:32:13,800 Speaker 3: We'll get there. Thanks week, See you next week. Guys. 649 00:32:13,920 --> 00:32:15,080 Speaker 3: Hey Baye