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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander peoples.

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Speaker 1: They're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and for caring for the land on which we are

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Speaker 1: able to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money.

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

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Speaker 3: for millennials who want financial freedom. Welcome back to another

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Speaker 3: Shop Back Money Diary Monday, where we chat to one

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Speaker 3: of our gorgeous community members to learn about them, their life,

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Speaker 3: their money, their goals, all of the detail and juicy details.

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Speaker 2: Victoria.

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Speaker 3: One of our favorite times of the week. I would say,

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Speaker 3: wouldn't you What are you bringing to the table this week,

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Speaker 3: Jessic toy Chi. Nobody's surprised that it's a good one.

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Speaker 2: Our diarist roading surprise shock here.

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Speaker 3: Who would have thought our diarist wrote in and said,

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Speaker 3: I left school at fifteen, I have no unique degree

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Speaker 3: and I'm on my way to one. Hundred and forty

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Speaker 3: thousand dollars at twenty. I was about to be like,

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Speaker 3: how old is she? Like fifty friends, This one's going

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Speaker 3: to make you feel inadequate. I came from a very

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Speaker 3: loving and caring family where finances were never really spoken of.

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Speaker 3: I discovered my interest for heavy diesel mechanics back in

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Speaker 3: twenty eighteen, after deciding a year and a half of

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Speaker 3: nursing really wasn't up my alley. Fast forward nearly four years.

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Speaker 3: I mean, a stable, full time job, nearing the end

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Speaker 3: of my apprenticeship and setting bigger and bigger financial goals

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Speaker 3: for the years to come. I've always gone against the grain.

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Speaker 3: Being a heavy diesel mechanic in a very male dominated

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Speaker 3: industry is no easy feat. Well, this is definitely not

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Speaker 3: your average twenty year old money story. I'm so proud

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Speaker 3: of the path I have led for myself and my future.

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Speaker 3: It's gonna be a good one.

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Speaker 4: Right my gosh, money diress, welcome to the show.

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Speaker 5: I'm here have it going.

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Speaker 1: Oh my gosh, Hi, did you just wake up one

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Speaker 1: day and you're like, I am so sick of caring

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Speaker 1: for the elderly.

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Speaker 4: I'm going to work on heavy machinery.

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Speaker 5: So what happened pretty much how it went.

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Speaker 4: Hey, like that's such a pivot.

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Speaker 1: I adore it. I love that, Like that's not a

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Speaker 1: bad thing at all. It's just you know, you often

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Speaker 1: see people pivot into different things and go, yeah, I

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Speaker 1: was dabbling in these, so then I decided to do it.

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Speaker 1: And she's like, not heavy machinery is where it at.

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Speaker 6: Well, it's like people are so rude when they're sick.

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Speaker 6: I'm sick of it.

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Speaker 4: I would like to work in a really blund industry.

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Speaker 5: This is it. I take my hat off to nurses

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Speaker 5: like I do.

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Speaker 4: Yeah, very sci people.

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Speaker 6: I did wake up one morning and I went to

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Speaker 6: my mum and I was like, I'm just not feeling

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Speaker 6: it anymore.

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Speaker 5: She was like, what do you mean. I was like,

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Speaker 5: I'm just not feeling nursing anymore. Like I love learning

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Speaker 5: about the body, but people are doing my head in.

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Speaker 5: She was like, what are you going to do? And

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Speaker 5: I was like, mechanics, Stephen, mechanics. She was like are

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Speaker 5: you sure?

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Speaker 1: You were like yeah, yeah, I am, thanks though Mum,

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Speaker 1: I was like yeah, I.

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Speaker 5: Was like pretty much.

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Speaker 6: So like I did everything myself, Like I called up

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Speaker 6: the tape I had already booked my enrolled nursing course

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Speaker 6: at tape Yeah. And it was about a day before

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Speaker 6: the course changing cut off.

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Speaker 4: Oh yeah, census yeah.

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Speaker 6: And I quickly called up and I was like, can

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Speaker 6: I please change my top four courses to Diesel pre

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Speaker 6: apprenticeship and I forgot the other three, but anything to

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Speaker 6: do with mechanics pretty much.

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Speaker 5: I was like, oh, pre apprenticeships, I say, can you

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Speaker 5: change it?

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Speaker 1: And they were like, ma'am, are you sure you told

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Speaker 1: us the right student number?

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Speaker 5: Are you okay? Do you need counseling?

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Speaker 3: You don't?

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Speaker 4: I love that.

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Speaker 1: Let's learn about you. Let's do those structured questions. I

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Speaker 1: feel like we are going to talk a lot through

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Speaker 1: this episode because I feel like our pre chat was

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Speaker 1: very full of energy and I loved it, but I

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Speaker 1: feel like I need to keep us on track. All right,

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Speaker 1: money diarists, let's start. I want to know more about

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Speaker 1: your life. I want to know what your money story

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Speaker 1: is like.

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Speaker 6: Okay, so the money story starts as a basic you know,

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Speaker 6: had lived with mom and dad and my sister. We

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Speaker 6: had our standard four by two home, and then pretty

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Speaker 6: much mom and dad separated when I was nine, I think,

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Speaker 6: and Dad decided to keep the house, me, Mom, and

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Speaker 6: my sister, we all moved out, moved into a rental,

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Speaker 6: and it probably wasn't until then I was kind of like, ah,

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Speaker 6: this house is quite small. And then we moved to

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Speaker 6: another rental, and then we moved to another rental, and

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Speaker 6: I was like, something's not right here. Like I never

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Speaker 6: asked about money, never spoke about money.

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Speaker 5: It was just like oblivious to everything.

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Speaker 6: Like I always grew up with everything that I wanted,

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Speaker 6: and it was always Mum that was like you will

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Speaker 6: never go without.

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Speaker 5: Like Mom would be breaking down.

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Speaker 6: In the corner and she would just give me everything,

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Speaker 6: me and my sister everything, like we never went without.

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Speaker 6: And it probably wasn't until maybe I think I fifteen

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Speaker 6: that I got my first job and she was kind

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Speaker 6: of like, you know what, boo, your first paycheck, spend it.

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Speaker 5: This is all yours.

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Speaker 6: And then it wasn't until like the second one where

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Speaker 6: she's like, all right, with every paycheck, put like ABC

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Speaker 6: and D away and then spend the rest. It's all

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Speaker 6: it's your money. And then that's pretty much how it

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Speaker 6: went on. I went to do a few other different jobs,

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Speaker 6: did my pre apprenticeship, and then they did a few

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Speaker 6: other ta jobs and then landed my apprenticeship.

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Speaker 4: How exciting.

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Speaker 1: I feel like that would teach you a lot at

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Speaker 1: the same time as feeling like you're kind of in

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Speaker 1: the dark. So when you say your dad kept the house,

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Speaker 1: did he just live there by himself and you guys

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Speaker 1: were like bouncing between rentals or like, tell us a

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Speaker 1: bit more about that situation.

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Speaker 6: Yeah, Dad straight up kept the house, which even as

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Speaker 6: like a nine year old, you're kind of like, you

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Speaker 6: don't need that, you don't need that, Like you don't

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Speaker 6: need I think the house was like I think it

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Speaker 6: was a full I'm pretty sure it was a four

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Speaker 6: by two, and I was like, you'd like, I don't

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Speaker 6: need that. And then Mum took us out, and like

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Speaker 6: I said, we went to I think it was three

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Speaker 6: different rentals before Mum bought this other unit.

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Speaker 5: And I was kind of like, why do I have

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Speaker 5: to keep moving house?

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Speaker 6: And the thing is like when Dad would pick me

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Speaker 6: up for the weekend, I would go back to our

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Speaker 6: old family home and it would all be exactly the same,

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Speaker 6: except all the rooms are empty and it's just me.

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Speaker 5: And Dad, like I would.

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Speaker 6: I think I slept over at my dad's place maybe

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Speaker 6: three times in the whole eight years that he paid

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Speaker 6: child support.

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Speaker 4: Wow.

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Speaker 5: Yeah.

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Speaker 6: And then it wasn't until he got a new missus,

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Speaker 6: and then a new missus and then a new missus.

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Speaker 6: And they would come in, they would go, they would

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Speaker 6: come and they would go, and then yet I'm still

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Speaker 6: moving from rental a rental with my mum.

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Speaker 5: And I was like, this doesn't make sense.

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Speaker 6: But I was nine years old and growing obviously, and

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Speaker 6: I was kind of like, you notice what it is?

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Speaker 6: Got a roof over my head, I'm with my mom.

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Speaker 6: I still go to school, e s getting to do

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Speaker 6: all the sports. So they want wow, lived life.

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Speaker 1: Do you feel like that has impacted you as an

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Speaker 1: adult in any way, like in terms of like where

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Speaker 1: you live and how that works. Often we find that

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Speaker 1: when we talk to people who you know, have maybe

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Speaker 1: bounced around a bit as a kid or have been

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Speaker 1: in that situation, they really prioritize owning their own home,

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Speaker 1: or they really prioritize, you know, one secure location and

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Speaker 1: don't like to move around a bit. Is do you

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Speaker 1: reckon that's something you relate to.

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Speaker 6: I don't think that whole aspect of it really affects me.

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Speaker 6: I think it's more the relationship with my dad.

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Speaker 5: Yeah, that affected me.

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Speaker 6: It was more the kind of cut it out situation.

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Speaker 6: I was kind of like, eh, it is what it is.

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Speaker 6: But like my home now is my home. I don't

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Speaker 6: see it as it. This is my secure place and

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Speaker 6: I've got to stay here and I work hard for this.

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Speaker 5: It's kind of like, meh, it's my home.

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Speaker 6: My relationship with my dad is more scarred than anything else. Yeah,

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Speaker 6: the home really home was just a roof over my

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Speaker 6: head and a I guess a structured support place for

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Speaker 6: my emotional breakdowns half the time.

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Speaker 4: But feels though, feels jes relatable content for sure, Like I.

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Speaker 6: Won't have an emotional breakdown at my mum's house, but

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Speaker 6: I'll have one at my house.

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Speaker 1: Yeah.

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Speaker 6: Fair, It's like my safe spot whenever I'm like, you

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Speaker 6: know what, I've just had enough of the world. You

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Speaker 6: can go into my bedroom or into my own bathroom

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Speaker 6: and deal with my problems there. But yeah, the actual

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Speaker 6: house aspect of my parents' separation, and like the moving

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Speaker 6: house thing, it was hard, but like I've never really

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Speaker 6: taken it further on in my life apart from my

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Speaker 6: relationship with my dad.

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Speaker 1: Wow, it's so interesting to ask questions like that because

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Speaker 1: it's always so different based on who you are and

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Speaker 1: what your experiences have been before. Money Darist, you mentioned

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Speaker 1: you heavy diesel mechanic. I'm going to ask you the

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Speaker 1: official question though, and you can tell us money Darist,

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Speaker 1: What do you do for work and how much money

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Speaker 1: do you earn?

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Speaker 6: I am a fourth year apprentice heavy mobile deesel mechanic,

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Speaker 6: which is all your mining equipment, which is your dump trucks,

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Speaker 6: your excavators, scrapers, dozers, everything that's big and weighs like

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Speaker 6: two hundred tons.

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Speaker 1: Yeah, we're not talking about the little dinghy that you

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Speaker 1: can hire from Bunnings. We're talking about the trucks that

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Speaker 1: are the size of two story houses, right, yeap.

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Speaker 6: The big stuff, the stuff that digs dirt makes us money,

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Speaker 6: All that good stuff, all the stuff that is extremely

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Speaker 6: extremely heavy.

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Speaker 1: Oh my gosh. So how much money do you am?

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Speaker 1: We want the nitty gritty details your fourth year apprentice?

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Speaker 1: What does your paycheck look like.

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Speaker 6: As a fourth year apprentice? I think I earn just

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Speaker 6: under ninety six thousand. That is incredible teen percent super.

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Speaker 1: Is that included in the ninety six Yeah? Oh my gosh,

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Speaker 1: No apprentice earns.

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Speaker 5: That No, they don't. We are very well paid apprentice.

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Speaker 1: My gosh, what could you expect to be paid once

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Speaker 1: you're not an apprentice anymore?

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Speaker 6: If I say where I am, I am expected to

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Speaker 6: be paid about one hundred and four thousand. And that's

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Speaker 6: part of my headline of on my way to one

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Speaker 6: hundred and forty thousand, which is pretty much a base

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Speaker 6: minimum for our mind sight. But if I want to

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Speaker 6: go up north, I can go to anywhere above two

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Speaker 6: hundred if I really want.

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Speaker 3: Wow, gosh, And so is your current employer? Is that

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Speaker 3: on location? Do you travel or you like fifo? Is

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Speaker 3: it me where you live?

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Speaker 6: It's near where I live, so I think it's about

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Speaker 6: a forty minute drive.

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Speaker 5: To and from Yeah, incredible there.

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Speaker 2: Yeah, well let's than a pink hour commune to the city. Really,

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Speaker 2: my gosh.

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Speaker 5: Yes, a lot less traffic.

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Speaker 4: Yeah, incredible, I can imagine.

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Speaker 1: And it's so lucky that it's so close, because so

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Speaker 1: many people who want to get into those industries often

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Speaker 1: have to be five fo Did you know that it

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Speaker 1: was going to be that close when you started applying

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Speaker 1: for jobs like this or did you go all right, well,

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Speaker 1: I'm willing to go anywhere because I feel like, that's

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Speaker 1: really niche.

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Speaker 6: When I was looking for apprenticeships, I was kind of like,

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Speaker 6: apply for anything, apply for everything. I think in the

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Speaker 6: end I ended up applying for like, I think it

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Speaker 6: was about twenty six or twenty seven apprenticeships, and most

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Speaker 6: like half were FIVEFO and half were like CBD, half

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Speaker 6: were down south kind of thing. So it was anywhere

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Speaker 6: and anywhere, and wherever I got an apprenticeship, I was.

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Speaker 4: Like, cool, we're sweet. And it ended up just being

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Speaker 4: close to home. How good is that?

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Speaker 5: It worked out perfectly?

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Speaker 6: Actually, I had another apprenticeship for a five fox gig

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Speaker 6: and they didn't tell me. She like sent me the paperwork.

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Speaker 6: She was like, yeah, ABC get paid this much and.

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Speaker 5: Apprenticeship will consist of this.

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Speaker 6: And I was like, oh, where is it my any chance?

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Speaker 6: And she was like, I'll send you the email and

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Speaker 6: then once you've signed it, sent it back to me.

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Speaker 6: And I was like, oh, this is a bit weird.

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Speaker 4: Yeah, like that's got o strange.

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Speaker 6: It was a FIVEFO job underground, one week on, one

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Speaker 6: week off, and I.

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Speaker 4: Was under ground and she wasn't going to tell you

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Speaker 4: until you signed.

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Speaker 5: Yeah, I was. She didn't tell me it was underground.

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Speaker 6: The job wasn't applied for underground, and I strictly did

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Speaker 6: not want underground, and she sent me this paperwork and

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Speaker 6: I was like.

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Speaker 4: Hi, no, said back this.

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Speaker 6: Reply, I really don't want to work underground, so this

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Speaker 6: opportunity is not for me.

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Speaker 5: Please give it to someone else.

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Speaker 4: Like thanks.

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Speaker 3: So you think they've disclosed that, And that is why

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Speaker 3: friends at home, you always read your contract before you

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Speaker 3: sign them and.

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Speaker 1: Ask a million in questions. There's no such thing as

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Speaker 1: too many questions when starting a new job or duging

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Speaker 1: on an apprenticeship. Like it's the first time you're quote

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Speaker 1: meeting that company, so you're absolutely allowed to ask a

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Speaker 1: million questions.

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Speaker 5: Yeah.

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Speaker 1: Absolutely, Money Doris, you have a very big income for

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Speaker 1: your age. I want to know what is your big

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Speaker 1: money goal.

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Speaker 6: Oh, first of all, travel, I have wanted to travel

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Speaker 6: to America, well, both me and my partner. I have

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Speaker 6: wanted to travel to America for three years close.

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Speaker 1: To good luck during the pandemic or what we're calling

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Speaker 1: the Panini here at Cheese on the money ha.

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Speaker 5: Yeah, the Panine's really stuffed this up for us.

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Speaker 6: Another money goal is I personally want to investment properties.

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Speaker 6: He my partner, he wants investment poper of himself. We

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Speaker 6: want to build a family home. Yeah, I have a

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Speaker 6: goal of forty thousand in the share market, which I'm

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Speaker 6: nowhere near.

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Speaker 5: But it's a goal.

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Speaker 4: So oh my gosh, how exciting that is. So I

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Speaker 4: feel like you're really clear on those goals.

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Speaker 1: You're like, yep, want two investment properties, want a family home,

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Speaker 1: want forty thousand dollars in the share market.

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Speaker 4: Like that's pretty clear for a twenty year old.

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Speaker 1: Have you always had that level of clarity when it

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Speaker 1: comes to goal setting and planning?

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Speaker 5: Definitely not.

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Speaker 4: You're like, no, I just made all this, sat up

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Speaker 4: on the spot.

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Speaker 6: I didn't really really in my goal planning until maybe

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Speaker 6: like two years ago. I was kind of like in

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Speaker 6: my first year, I was like, whoa, I got money,

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Speaker 6: got a stable job, Let's just have some fun. I've

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Speaker 6: always saved, but never really had a goal like I

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Speaker 6: was just saving for nothing, kind of says like, oh,

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Speaker 6: let's just put it away and just sit there. And

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Speaker 6: it wasn't until maybe second or third year I was

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Speaker 6: kind of like, oh, I could buy I could buy this,

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Speaker 6: I could buy that, I can afford this, I can

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Speaker 6: do this if I put this amount away. Because it's

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Speaker 6: it's a salary, so I get the same pay every fortnight.

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Speaker 6: So I'm like, I can actually plan, And I never

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Speaker 6: had that when I did casual or contract work kind

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Speaker 6: of thing.

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Speaker 5: So now it was like, ooh, I think it was

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Speaker 5: after my first year.

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Speaker 6: I kind of pulled my head in and was like,

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Speaker 6: all right, you can't just keep spending all this money.

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Speaker 1: So tell us how you're going with those goals. What's

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Speaker 1: your home saving deposit? Looking like, what's the America Fund?

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Speaker 4: Looking like? We want the details, my friend.

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Speaker 6: If I'm going to be completely honest, there is no

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Speaker 6: holiday savings. I got ten thousand dollars in the share market.

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Speaker 4: Hey, that's a fourth of the way there. That is

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Speaker 4: very good.

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Speaker 5: It's better.

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Speaker 6: I only started investing August of twenty twenty one, so

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Speaker 6: I'm pretty.

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Speaker 5: Happy with it.

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Speaker 4: That's very good.

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Speaker 5: That's pretty much when I started listening to you, cheites

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Speaker 5: on the money.

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Speaker 4: That's like a grander month. At least, look at you.

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Speaker 5: It's a goal. We're getting there slowly.

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Speaker 6: All things kind of got turned upside down because I

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Speaker 6: bought a new No, I didn't buy a new car

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Speaker 6: like I bought a new card to me, you, to.

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Speaker 5: You, and it wasn't.

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Speaker 6: In the plan that popped up, and I was like,

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Speaker 6: you know what, this is an opportunity and we're going

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Speaker 6: to take it.

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Speaker 4: And I did go work.

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Speaker 1: I love that for you. I asked before do you

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Speaker 1: have any investments? And you said you have ten grand

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Speaker 1: in the share market?

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Speaker 4: Is that all you have? And tell us about that

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Speaker 4: ten grand?

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Speaker 6: I have my ten grand split up in between Concept

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Speaker 6: Pocket and Spaceship Universe.

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Speaker 5: I'm pretty sure.

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Speaker 4: I'd love to know a bit more about how you

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Speaker 4: made that decision.

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Speaker 1: So you said, look, I own these things obviously in

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Speaker 1: Concept Pocket. So for those of you who don't know

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Speaker 1: Concept Pocket, it's not a micro investing platform. It's a

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Speaker 1: proper shared trading platform. But it only gives you access

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Speaker 1: to a limited number of ETFs. So how did you

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Speaker 1: pick those ETFs? And what was I guess your criteria?

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Speaker 1: How did you get yourself to a point where you

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Speaker 1: were like, I feel confident enough to pick these and

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Speaker 1: put some money behind it, because I feel like that's

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Speaker 1: the number one hurdle that a lot of people on

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Speaker 1: She's on the Money feel They're like, okay, like I've

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Speaker 1: picked a platform, I've downloaded it. I don't know what

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Speaker 1: to pick or do. And obviously that's not what she's

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Speaker 1: on the money. We're never going to tell you what

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Speaker 1: to pick because that's so personal and that would involve advice.

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Speaker 4: But what did you do? What was your thought process?

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Speaker 5: It all started really with the boys at work.

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Speaker 1: See, everybody has a different strategy and if you poke enough,

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Speaker 1: the holes come out.

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Speaker 5: It was the boys at work. They all talk like.

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Speaker 6: When I mean the boys at work, I don't mean

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Speaker 6: like twenty thirty year olds, I mean like the sixty

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Speaker 6: seven year olds that are still working and god knows why.

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Speaker 5: They were like, do you invest in the stock market?

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Speaker 1: And I was like, I'm a twenty year old female.

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Speaker 1: Thanks for assuming I do though that's progressive.

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Speaker 5: Yeah.

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Speaker 6: I was like, no, I don't. I don't even know

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00:16:38,320 --> 00:16:40,720
Speaker 6: what with stock markets. Oh everyone's talking oh one cent here,

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Speaker 6: four cents here, and I'm like, what are you talking?

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Speaker 6: Like twenty dollars in my banking account? I'm killing the

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Speaker 6: game kind of thing. Like I had no idea, and

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Speaker 6: the boys always spoke about It're like, oh, get on

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Speaker 6: concept pocket, do this, do that? And I was like, no,

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Speaker 6: I don't want to. And it wasn't until I randomly

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00:16:54,600 --> 00:16:57,280
Speaker 6: found cheese and the money one day and my im

400
00:16:57,360 --> 00:16:59,840
Speaker 6: letting your money shameless plug or whatever for him.

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Speaker 5: I know.

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00:17:02,840 --> 00:17:04,960
Speaker 4: He never listens to our content, so you'll never know

403
00:17:05,080 --> 00:17:05,720
Speaker 4: that happened.

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Speaker 5: Well, he better otherwise I'll message him personally.

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Speaker 4: Thank you, thank you. He'll take that personally.

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Speaker 6: I just listened to all these podcasts and the share

407
00:17:14,240 --> 00:17:17,719
Speaker 6: market just seems so interesting and everyone's making millions in

408
00:17:17,880 --> 00:17:20,760
Speaker 6: like thirty forty years, and I was like, all right,

409
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Speaker 6: maybe I can maybe a millionaire by the time and

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Speaker 6: retire early, like fifty.

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Speaker 1: I don't know, on your income, you have absolutely every

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Speaker 1: ability to do that, my friend.

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Speaker 5: I did a heap of research.

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00:17:31,600 --> 00:17:34,960
Speaker 6: I found think there's like seven or eight different ETF

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00:17:35,000 --> 00:17:36,760
Speaker 6: groups in consext pocket.

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Speaker 4: Yep, And it just felt right.

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Speaker 6: And I started off with the Ossie Top two hundred

418
00:17:40,480 --> 00:17:42,679
Speaker 6: cause that's where I felt most comfortable knowing most of

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00:17:42,720 --> 00:17:46,040
Speaker 6: the companies and all that and just the other three.

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Speaker 6: Like tech is on its way up in the world,

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Speaker 6: like we all we all know that it's especially in mining,

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00:17:51,119 --> 00:17:53,760
Speaker 6: like we're going to go from being des mechanics to

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Speaker 6: sparkys in a matter of years probably.

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Speaker 5: So I just I just did my research. I did

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Speaker 5: my own personal research.

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Speaker 1: I love that and thank you for sharing that, because

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Speaker 1: I think so often people are like, where did you

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00:18:04,000 --> 00:18:05,840
Speaker 1: get the magical ticket to know that that was the

429
00:18:05,880 --> 00:18:08,000
Speaker 1: EDF to buy or that was the stock that they

430
00:18:08,000 --> 00:18:11,639
Speaker 1: should purchase, And more often than not, there's no magical answer.

431
00:18:11,720 --> 00:18:13,639
Speaker 1: There's no website you go to that says this is

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Speaker 1: the best one ever. It's literally you just going, oh,

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Speaker 1: I feel pretty comfy with that and making a decision

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00:18:18,960 --> 00:18:22,639
Speaker 1: that way. And I just I love learning your little

435
00:18:22,680 --> 00:18:25,440
Speaker 1: investment stories and understanding how you first got a foot

436
00:18:25,440 --> 00:18:28,199
Speaker 1: in the market. You mentioned before you got a car.

437
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Speaker 1: I have some questions. Do you have any debts?

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Speaker 6: I sure do I have a I think that's just

439
00:18:37,640 --> 00:18:40,480
Speaker 6: a bit over twenty thousand at the moment, which is

440
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Speaker 6: about I think about half the car.

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Speaker 5: I paid just over half the car.

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Speaker 6: In cash with part of my savings, because, like I said,

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Speaker 6: this car was not planned kind of thing, and the

444
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Speaker 6: car that I was saving for was going to be

445
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Speaker 6: in like the sixty seventy thousand dollars range YEP. I

446
00:19:00,600 --> 00:19:04,359
Speaker 6: saw this car pop up and it was really cheap

447
00:19:04,400 --> 00:19:08,080
Speaker 6: for the current market. Body was in very good condition,

448
00:19:08,160 --> 00:19:11,159
Speaker 6: and obviously being a mechanic myself. I can fix all

449
00:19:11,160 --> 00:19:12,320
Speaker 6: the issues that it has with it.

450
00:19:12,359 --> 00:19:13,040
Speaker 4: I know nothing.

451
00:19:13,320 --> 00:19:15,080
Speaker 5: I knew nothing about four years ago.

452
00:19:16,680 --> 00:19:17,280
Speaker 4: It's amazing.

453
00:19:17,359 --> 00:19:20,879
Speaker 1: What investing yourself for four years in education tars It's wild.

454
00:19:21,320 --> 00:19:22,919
Speaker 5: It's bloody insane. I'll tell you what.

455
00:19:23,600 --> 00:19:26,679
Speaker 1: How exciting. So you've got twenty ish grand as a

456
00:19:26,720 --> 00:19:27,200
Speaker 1: car loan?

457
00:19:27,320 --> 00:19:27,840
Speaker 4: Is that right?

458
00:19:28,359 --> 00:19:28,880
Speaker 5: Yeah? Yeah?

459
00:19:28,960 --> 00:19:29,840
Speaker 4: And is that it?

460
00:19:29,920 --> 00:19:32,520
Speaker 1: Do you have any hex step from when you did nursing,

461
00:19:32,760 --> 00:19:35,400
Speaker 1: like anything else dwindling in the background?

462
00:19:35,840 --> 00:19:37,840
Speaker 6: No, just the twenty thousand dollars car loan, which will

463
00:19:37,880 --> 00:19:40,360
Speaker 6: be paid off before the end of the year, before.

464
00:19:40,040 --> 00:19:47,520
Speaker 4: The end of the year. Probably, Oh my gosh.

465
00:19:44,880 --> 00:19:47,200
Speaker 5: You'll most likely be done before the end of the year.

466
00:19:47,560 --> 00:19:51,560
Speaker 6: Got my partner's name is under the home loan, but

467
00:19:51,920 --> 00:19:54,560
Speaker 6: we are looking to refinance and my name is on it.

468
00:19:54,600 --> 00:19:57,280
Speaker 6: But the home loan was four hundred and seventy five thousand,

469
00:19:57,320 --> 00:19:59,240
Speaker 6: so we both pay half of the mortgage towards that.

470
00:19:59,560 --> 00:20:03,240
Speaker 5: So say, I have ABC mortgage above my head.

471
00:20:03,400 --> 00:20:05,800
Speaker 1: Yeah, of course, and like that's literally how it is.

472
00:20:05,880 --> 00:20:08,280
Speaker 1: So how much does your mortgage end up costing you

473
00:20:08,359 --> 00:20:10,720
Speaker 1: every month? For what was that four seventy five?

474
00:20:11,080 --> 00:20:11,280
Speaker 4: Yeah?

475
00:20:11,320 --> 00:20:15,280
Speaker 5: I think it's just under two grand a month something

476
00:20:15,320 --> 00:20:15,600
Speaker 5: like that.

477
00:20:16,040 --> 00:20:19,080
Speaker 6: Very cool, And I have no hex step because when

478
00:20:19,119 --> 00:20:24,320
Speaker 6: I was going to TAFE, I was still in the age,

479
00:20:24,600 --> 00:20:25,960
Speaker 6: the school age kind of thing.

480
00:20:26,119 --> 00:20:27,040
Speaker 5: Yeah, so all.

481
00:20:26,920 --> 00:20:30,200
Speaker 6: My courses were insanely cheap. Mom was like, why didn't

482
00:20:30,240 --> 00:20:31,280
Speaker 6: you go to TAFTE earlier?

483
00:20:31,400 --> 00:20:35,719
Speaker 5: This is very cheaper. So Mum paid all of that,

484
00:20:36,080 --> 00:20:37,280
Speaker 5: the absolute angel.

485
00:20:37,000 --> 00:20:39,159
Speaker 4: That she is, so oh how cool.

486
00:20:39,640 --> 00:20:42,760
Speaker 1: Next question, a very left field question compared to debt.

487
00:20:43,480 --> 00:20:44,960
Speaker 4: Do you shot back?

488
00:20:45,480 --> 00:20:47,240
Speaker 5: I love shot do you.

489
00:20:47,240 --> 00:20:51,119
Speaker 4: Actually the diversity of people on this.

490
00:20:51,280 --> 00:20:53,640
Speaker 1: We've got people who are like me, who are like, yep,

491
00:20:53,720 --> 00:20:57,119
Speaker 1: I love shopping online, and a diesel fitter who's like, yeah, sweet,

492
00:20:57,240 --> 00:20:59,120
Speaker 1: Like I am definitely here for this.

493
00:21:00,040 --> 00:21:00,920
Speaker 4: What do you buy and shot back?

494
00:21:00,960 --> 00:21:03,440
Speaker 6: My friend I just got an email this morning saying

495
00:21:03,440 --> 00:21:06,439
Speaker 6: your shot back has been confirmed from like two or

496
00:21:06,440 --> 00:21:07,080
Speaker 6: three months ago.

497
00:21:07,200 --> 00:21:08,000
Speaker 5: So for some car.

498
00:21:07,880 --> 00:21:09,919
Speaker 1: Parts I bought and you were like, thank god that

499
00:21:10,000 --> 00:21:11,639
Speaker 1: came through because that was a good one.

500
00:21:11,680 --> 00:21:13,800
Speaker 3: I feel like that's actually a really good idea because

501
00:21:13,800 --> 00:21:17,960
Speaker 3: I'm assuming, I mean, I know literally nothing about car parts,

502
00:21:18,000 --> 00:21:20,320
Speaker 3: but I'm assuming they're pretty expensive. If my like normal

503
00:21:20,320 --> 00:21:22,119
Speaker 3: mechanics bill, is there anything to go by? So if

504
00:21:22,119 --> 00:21:24,639
Speaker 3: you can get some money back on that. I imagine that

505
00:21:24,640 --> 00:21:26,000
Speaker 3: would be looking pretty nice.

506
00:21:26,240 --> 00:21:26,720
Speaker 5: It's great.

507
00:21:26,760 --> 00:21:28,960
Speaker 6: Like I just bought two filters for my car, which

508
00:21:28,960 --> 00:21:31,720
Speaker 6: you were in addition to like the oil and fuel filters,

509
00:21:32,040 --> 00:21:33,560
Speaker 6: and they were like eight hundred bucks.

510
00:21:34,359 --> 00:21:35,560
Speaker 4: What for a filter?

511
00:21:35,960 --> 00:21:37,919
Speaker 1: I can get a Britta filter at the supermarket for

512
00:21:38,000 --> 00:21:39,359
Speaker 1: much cheaper. Let me know if you want me to

513
00:21:39,400 --> 00:21:41,040
Speaker 1: pick one up next time I go to Kol's.

514
00:21:41,840 --> 00:21:43,280
Speaker 6: It was like a kit, so it kind of was

515
00:21:43,280 --> 00:21:45,120
Speaker 6: a kit and they charge just like the bracket.

516
00:21:45,119 --> 00:21:46,840
Speaker 5: The hopes is like all up this thing.

517
00:21:46,920 --> 00:21:49,840
Speaker 6: This whole kit, I reckon would have cost like maybe

518
00:21:49,840 --> 00:21:52,960
Speaker 6: two hundred dollars. You bought everything individually and made shit yourself.

519
00:21:52,960 --> 00:21:53,919
Speaker 5: But I don't do that.

520
00:21:54,560 --> 00:21:57,280
Speaker 4: Yeah, that side is expensive.

521
00:21:57,840 --> 00:22:00,280
Speaker 6: I don't do mechanics at home because that's my job

522
00:22:00,320 --> 00:22:02,080
Speaker 6: and I don't like doing it at home a lot.

523
00:22:02,200 --> 00:22:03,840
Speaker 4: So yeah, that's that's fair.

524
00:22:04,280 --> 00:22:07,320
Speaker 1: So I reckon that might play into your worst money habit.

525
00:22:07,359 --> 00:22:09,119
Speaker 1: But I'm going to ask you what your best money

526
00:22:09,119 --> 00:22:11,160
Speaker 1: habit is. First, my friend, I.

527
00:22:11,080 --> 00:22:12,960
Speaker 5: Don't think I can call it like a money habit.

528
00:22:13,400 --> 00:22:17,119
Speaker 5: But with IG you have the roundup.

529
00:22:16,720 --> 00:22:18,680
Speaker 4: Yeah, you can have a round feature.

530
00:22:18,440 --> 00:22:21,160
Speaker 6: So say it actually like a dollar, it will round

531
00:22:21,160 --> 00:22:22,919
Speaker 6: it up to the ear is five dollars and debit

532
00:22:22,960 --> 00:22:25,160
Speaker 6: another four dollars to another bank account.

533
00:22:25,320 --> 00:22:27,399
Speaker 5: Yeah, and all my round up money goes into my

534
00:22:27,440 --> 00:22:28,320
Speaker 5: bills account.

535
00:22:28,600 --> 00:22:31,560
Speaker 6: So I think I got an email like early fed

536
00:22:31,840 --> 00:22:34,440
Speaker 6: and from the start of the financial year to fare

537
00:22:34,520 --> 00:22:36,879
Speaker 6: By saved like nine hundred and twenty seven dollars in

538
00:22:36,960 --> 00:22:39,080
Speaker 6: round up house bills.

539
00:22:39,080 --> 00:22:40,439
Speaker 4: Oh my gosh, how good?

540
00:22:40,800 --> 00:22:42,600
Speaker 6: Oh yeah, I saw like this email and it was like, you,

541
00:22:42,680 --> 00:22:44,760
Speaker 6: in like the past whatever months, you have saved nine

542
00:22:44,880 --> 00:22:46,600
Speaker 6: hundred and twenty seven dollars in round up.

543
00:22:46,640 --> 00:22:48,280
Speaker 5: And I was like, why none of that?

544
00:22:48,920 --> 00:22:50,280
Speaker 4: Oh my gosh.

545
00:22:50,320 --> 00:22:52,399
Speaker 3: It's fun to like reflect on that data, though, I

546
00:22:52,440 --> 00:22:55,199
Speaker 3: really like it when businesses do that. Up does like

547
00:22:55,240 --> 00:22:56,840
Speaker 3: how much you spent this year and it breaks.

548
00:22:56,920 --> 00:22:57,840
Speaker 2: I do not like that.

549
00:22:58,160 --> 00:23:01,560
Speaker 3: Well, yeah, I don't like get knowing what you saved

550
00:23:01,600 --> 00:23:04,720
Speaker 3: it arguably much more encouraging than knowing what you spent.

551
00:23:04,760 --> 00:23:06,000
Speaker 3: But I think it's really cool to be able to

552
00:23:06,000 --> 00:23:07,639
Speaker 3: look at that and be like, oh, like it's actually

553
00:23:07,640 --> 00:23:09,640
Speaker 3: working because you wouldn't be thinking about your round ups,

554
00:23:09,640 --> 00:23:11,160
Speaker 3: but it's just ticking away in the background.

555
00:23:11,320 --> 00:23:14,399
Speaker 4: It's like the Spotify roundup of the year. Yeah. This

556
00:23:14,600 --> 00:23:16,920
Speaker 4: is what your top spending habit was?

557
00:23:17,320 --> 00:23:19,520
Speaker 1: Really, I reckon we should do one for she's on

558
00:23:19,560 --> 00:23:21,400
Speaker 1: the money, where we can all fill it out and

559
00:23:21,560 --> 00:23:23,520
Speaker 1: be like, yeah, this is what I spent the most

560
00:23:23,560 --> 00:23:25,400
Speaker 1: on this year and share it so that I don't

561
00:23:25,440 --> 00:23:27,720
Speaker 1: feel so bad about my own situation. Jes So let's

562
00:23:28,280 --> 00:23:32,359
Speaker 1: put that on for late November. Flipping back, what is

563
00:23:32,440 --> 00:23:33,800
Speaker 1: your worst money habit?

564
00:23:34,359 --> 00:23:35,000
Speaker 5: Can? I have two?

565
00:23:35,359 --> 00:23:36,960
Speaker 1: You can have as many as you like, will be it?

566
00:23:37,000 --> 00:23:39,360
Speaker 1: We probably want to minimize them in general.

567
00:23:39,680 --> 00:23:41,480
Speaker 6: Well, I only have two, but the first one is

568
00:23:41,480 --> 00:23:43,520
Speaker 6: spending way too much money on sugar free coke.

569
00:23:43,760 --> 00:23:44,919
Speaker 5: It's ridiculous.

570
00:23:45,400 --> 00:23:50,600
Speaker 3: It tastes like dirt anyway. I pulled this on my Instagram.

571
00:23:50,680 --> 00:23:52,880
Speaker 1: I don't know about my pan when there was one

572
00:23:53,040 --> 00:23:55,400
Speaker 1: on the desk, I think, and Elisa has been very

573
00:23:55,480 --> 00:23:56,520
Speaker 1: kind and took it away.

574
00:23:57,359 --> 00:23:59,520
Speaker 4: You did, she took my can.

575
00:24:00,040 --> 00:24:02,560
Speaker 6: It makes big, five hundred mil cans of it, and

576
00:24:02,600 --> 00:24:05,200
Speaker 6: I really, oh so good.

577
00:24:07,200 --> 00:24:08,960
Speaker 4: Well just thinks it tastes like dirt water.

578
00:24:09,000 --> 00:24:12,000
Speaker 1: If anybody follows her on her personal Instagram, she rallies

579
00:24:12,040 --> 00:24:14,080
Speaker 1: for this, and he's very vocal in this space.

580
00:24:14,200 --> 00:24:17,200
Speaker 2: Team PEPSI, We're gonna get hate mail.

581
00:24:17,280 --> 00:24:17,440
Speaker 1: For that.

582
00:24:18,920 --> 00:24:21,120
Speaker 5: I do like a bit of vanilla Pepsi Max as well.

583
00:24:22,080 --> 00:24:22,720
Speaker 5: Give me a break.

584
00:24:22,800 --> 00:24:26,080
Speaker 1: We love that vanilla pepsi Max. I didn't even know

585
00:24:26,200 --> 00:24:26,960
Speaker 1: they did that.

586
00:24:27,280 --> 00:24:29,600
Speaker 5: Have a mango pepsi Max your life will be changed.

587
00:24:29,640 --> 00:24:30,440
Speaker 4: And mango.

588
00:24:31,680 --> 00:24:35,399
Speaker 1: I've never even heard of these things. Where do you

589
00:24:35,480 --> 00:24:37,840
Speaker 1: purchase such delicacies cold?

590
00:24:40,880 --> 00:24:43,359
Speaker 3: I'm going to google mango pepsi Max after so, mango

591
00:24:43,400 --> 00:24:44,240
Speaker 3: pepsi Max.

592
00:24:44,440 --> 00:24:46,160
Speaker 5: Do you have creamy soda pepsi Max?

593
00:24:46,320 --> 00:24:46,399
Speaker 1: No?

594
00:24:47,200 --> 00:24:48,680
Speaker 4: I think you're making this up.

595
00:24:48,760 --> 00:24:53,520
Speaker 6: Now there's creamy soda pepsi Max, mango and vanilla.

596
00:24:53,680 --> 00:24:56,960
Speaker 1: No, there's absolutely not. That is not a thing that

597
00:24:57,080 --> 00:25:01,879
Speaker 1: I'm not gonna fight with you. I'm gonna raspberry. I

598
00:25:01,880 --> 00:25:04,480
Speaker 1: can see how that would work. That would work really well.

599
00:25:04,520 --> 00:25:06,160
Speaker 2: What's your other worst money habit?

600
00:25:06,320 --> 00:25:07,959
Speaker 5: It's either all or nothing?

601
00:25:08,320 --> 00:25:11,199
Speaker 6: Like it's either you know what, girl, treat yourself, go

602
00:25:11,320 --> 00:25:14,359
Speaker 6: spend every single bit of your money on anything you want,

603
00:25:14,640 --> 00:25:17,480
Speaker 6: or it's you know what, everything your own into the

604
00:25:17,480 --> 00:25:19,800
Speaker 6: stock market and then say you're poor for the next

605
00:25:19,800 --> 00:25:20,320
Speaker 6: two weeks.

606
00:25:22,080 --> 00:25:24,639
Speaker 1: Balance is important. I feel like you might have a

607
00:25:24,680 --> 00:25:25,560
Speaker 1: little bit to learn.

608
00:25:25,640 --> 00:25:26,560
Speaker 4: But that is okay.

609
00:25:28,040 --> 00:25:29,320
Speaker 5: Doesn't happen every paycheck?

610
00:25:29,840 --> 00:25:32,120
Speaker 1: No, but it's good to know that about yourself as well,

611
00:25:32,119 --> 00:25:34,119
Speaker 1: because I'm a bit all or nothing. Like if I

612
00:25:34,240 --> 00:25:37,080
Speaker 1: decide I'm doing something, and Jess, you've worked with me

613
00:25:37,160 --> 00:25:39,600
Speaker 1: long enough to attest to this. If I've decided we're

614
00:25:39,640 --> 00:25:41,960
Speaker 1: doing it, we're doing it. Like it's happening that week,

615
00:25:42,000 --> 00:25:45,040
Speaker 1: that month, whatever, that day, it's gonna like we're going

616
00:25:45,080 --> 00:25:47,840
Speaker 1: to organize something for that. So I feel like I'm

617
00:25:47,880 --> 00:25:49,960
Speaker 1: a bit all or nothing and then sometimes just be like,

618
00:25:50,000 --> 00:25:50,439
Speaker 1: are we going to.

619
00:25:50,480 --> 00:25:51,000
Speaker 4: Do that thing?

620
00:25:51,080 --> 00:25:53,800
Speaker 1: And I'll be like, no, not happening, Yeah, not not

621
00:25:53,880 --> 00:25:56,159
Speaker 1: doing it. So I feel like I'm very like that.

622
00:25:56,240 --> 00:26:00,199
Speaker 1: I'm also really impulsive. So for me, having work cked

623
00:26:00,240 --> 00:26:03,000
Speaker 1: out my banking and cash flow and how I manage

624
00:26:03,040 --> 00:26:05,840
Speaker 1: my money has been really important to kind of stop that.

625
00:26:06,000 --> 00:26:08,560
Speaker 1: Have you found that you've had to do that as well.

626
00:26:08,560 --> 00:26:10,600
Speaker 5: Like stop myself from the spending.

627
00:26:10,440 --> 00:26:12,760
Speaker 4: Or yeah, just having a good banking structure.

628
00:26:12,800 --> 00:26:15,760
Speaker 1: And you know you said before you had your savings account,

629
00:26:15,800 --> 00:26:17,320
Speaker 1: your bills account and stuff.

630
00:26:17,720 --> 00:26:19,919
Speaker 4: Is that so that you're not so naughty with money?

631
00:26:20,280 --> 00:26:20,560
Speaker 1: Yeah?

632
00:26:20,600 --> 00:26:21,200
Speaker 5: Pretty much?

633
00:26:21,240 --> 00:26:23,919
Speaker 6: Like like I said, it doesn't like all or nothing

634
00:26:23,960 --> 00:26:26,640
Speaker 6: thing doesn't happen every paycheck, but it's like I put

635
00:26:26,680 --> 00:26:30,600
Speaker 6: a certain amount into savings, shares, bills, whatever, and then

636
00:26:30,600 --> 00:26:32,680
Speaker 6: sometimes I'm like, oh shit.

637
00:26:32,720 --> 00:26:35,879
Speaker 5: Like it's all gone. But oh, well is what it is.

638
00:26:35,920 --> 00:26:38,000
Speaker 6: We'll get on the bandwagon next paycheck and then it

639
00:26:38,040 --> 00:26:39,800
Speaker 6: just it just happened, like it doesn't happen again. But

640
00:26:39,840 --> 00:26:42,240
Speaker 6: I go on the process. It happens like maybe every

641
00:26:42,600 --> 00:26:45,000
Speaker 6: three or four months. If one random paycheck it's like bang,

642
00:26:45,040 --> 00:26:45,440
Speaker 6: it's gone.

643
00:26:45,440 --> 00:26:47,480
Speaker 5: I'm like, okay, But as.

644
00:26:47,320 --> 00:26:49,960
Speaker 3: Long as you're paying your bills, like you have a mortgage,

645
00:26:50,000 --> 00:26:51,800
Speaker 3: I think as long as you're doing those things, you

646
00:26:51,880 --> 00:26:55,560
Speaker 3: also can't necessarily penalize yourself from I mean, I'm not

647
00:26:55,600 --> 00:26:57,439
Speaker 3: saying it's a great habit to spend all of your

648
00:26:57,440 --> 00:27:00,040
Speaker 3: money by any stretch of the imagination she's on the money, No,

649
00:27:00,720 --> 00:27:03,040
Speaker 3: But I think like, if you're saying it's only happening

650
00:27:03,080 --> 00:27:05,920
Speaker 3: every three or four months, that's very different from you

651
00:27:06,000 --> 00:27:07,800
Speaker 3: doing it every week and blowing it out and not

652
00:27:07,840 --> 00:27:09,320
Speaker 3: being able to make your commitments.

653
00:27:09,680 --> 00:27:11,639
Speaker 6: Yeah, all my bills always get paid, Like I always

654
00:27:11,640 --> 00:27:14,640
Speaker 6: pay myself and my bills first, and then whatever money

655
00:27:14,640 --> 00:27:16,760
Speaker 6: I have left over, I'm like, oh, my card is

656
00:27:17,200 --> 00:27:19,560
Speaker 6: something new this week, let's just slap it on there instead.

657
00:27:19,920 --> 00:27:21,800
Speaker 2: Yeah, oh, it's not even that bad of money. That

658
00:27:24,760 --> 00:27:25,240
Speaker 2: all right.

659
00:27:25,400 --> 00:27:27,840
Speaker 4: If we forced you to give yourself a money grade,

660
00:27:27,880 --> 00:27:30,040
Speaker 4: what would you give yourself, my friend.

661
00:27:32,359 --> 00:27:32,879
Speaker 5: Maybe a C.

662
00:27:34,320 --> 00:27:36,960
Speaker 4: Why I'm really young.

663
00:27:37,080 --> 00:27:39,840
Speaker 5: I have so much to learn, is what it is?

664
00:27:41,240 --> 00:27:43,760
Speaker 5: Maybe like a a C plus. We'll go over that.

665
00:27:43,800 --> 00:27:46,320
Speaker 1: Hey, all right, let's chat about that in a bit

666
00:27:46,359 --> 00:27:50,080
Speaker 1: more depth straight after this break. All right, we are

667
00:27:50,280 --> 00:27:52,800
Speaker 1: back money dives. Before we went to the break, you

668
00:27:52,920 --> 00:27:56,159
Speaker 1: rated yourself a C plus. However, you're an accomplished apprentice,

669
00:27:56,240 --> 00:27:59,760
Speaker 1: you have an incredibly good income, you have a mortgage.

670
00:27:59,840 --> 00:28:01,919
Speaker 1: You said that you bought a car and you know,

671
00:28:02,080 --> 00:28:04,280
Speaker 1: had half the savings, and now you've got a car loan,

672
00:28:04,320 --> 00:28:06,120
Speaker 1: and you seem to be relatively good.

673
00:28:05,960 --> 00:28:07,000
Speaker 4: At money management.

674
00:28:07,440 --> 00:28:10,760
Speaker 1: Talk us through where you think the C plus has

675
00:28:10,800 --> 00:28:13,359
Speaker 1: come through, so we can understand a little bit about

676
00:28:13,400 --> 00:28:15,520
Speaker 1: why you would grade yourself a C plus, because I

677
00:28:15,520 --> 00:28:17,480
Speaker 1: know that there are so many people going, oh my gosh,

678
00:28:17,560 --> 00:28:19,520
Speaker 1: if I earned what you earn, I would be in

679
00:28:19,600 --> 00:28:23,040
Speaker 1: a because people value their quote money grade when they

680
00:28:23,040 --> 00:28:24,600
Speaker 1: grade themselves so differently.

681
00:28:24,680 --> 00:28:27,280
Speaker 4: So talk us through why you think you're a C plus.

682
00:28:27,480 --> 00:28:30,760
Speaker 6: I never really have thought about my money habits in

683
00:28:30,800 --> 00:28:34,400
Speaker 6: like an A, B, C or D way kind of thing,

684
00:28:34,480 --> 00:28:39,000
Speaker 6: Like I don't have that grading approach to money. I

685
00:28:39,000 --> 00:28:42,479
Speaker 6: don't think it matters that I'm now, sorry, twenty one

686
00:28:42,560 --> 00:28:46,000
Speaker 6: years old and earn ninety six thousand, Like the cost

687
00:28:46,000 --> 00:28:47,560
Speaker 6: of how much it earned doesn't really matter.

688
00:28:48,040 --> 00:28:48,440
Speaker 5: I don't know.

689
00:28:48,600 --> 00:28:50,480
Speaker 6: I think I could put more of my money to

690
00:28:50,600 --> 00:28:53,160
Speaker 6: good use. I think I could make more of my

691
00:28:53,280 --> 00:28:55,560
Speaker 6: money work for me instead of me being like, cool,

692
00:28:55,560 --> 00:28:59,640
Speaker 6: we're just gonna save it away, Like I could have put.

693
00:28:59,480 --> 00:29:03,640
Speaker 5: More in to the stock market and I didn't.

694
00:29:03,880 --> 00:29:06,680
Speaker 3: Hindsight's always twenty twenty, though you can always look back

695
00:29:06,680 --> 00:29:09,160
Speaker 3: at it, like, ah, if I bought Microsoft shares fifty

696
00:29:09,200 --> 00:29:10,480
Speaker 3: years ago, I would have been really rich.

697
00:29:10,920 --> 00:29:12,160
Speaker 2: I'm not going to do any good now.

698
00:29:12,080 --> 00:29:15,080
Speaker 6: Though, Yeah, I kin'd of see it as like a

699
00:29:16,280 --> 00:29:19,440
Speaker 6: I don't know, Like I think I've done well, like

700
00:29:19,720 --> 00:29:22,360
Speaker 6: I paid my last car off as well, which I'm

701
00:29:22,560 --> 00:29:25,120
Speaker 6: proud of that I did at like eighteen. I had

702
00:29:25,120 --> 00:29:28,120
Speaker 6: my first loan ever kind of thing in my first year,

703
00:29:28,520 --> 00:29:30,600
Speaker 6: and it was a twenty grand loan again, and I

704
00:29:30,720 --> 00:29:33,480
Speaker 6: paid that off within my entire first year because I

705
00:29:33,680 --> 00:29:37,760
Speaker 6: prioritized paying that debt off and I did, and then

706
00:29:37,760 --> 00:29:40,160
Speaker 6: I invested in the stock market. Then I owned that

707
00:29:40,200 --> 00:29:42,800
Speaker 6: car for a bit, and I doubled with a bit

708
00:29:42,840 --> 00:29:45,960
Speaker 6: of fun, and then dabbled in the stock market, and

709
00:29:45,960 --> 00:29:48,600
Speaker 6: then wore the stock market, and then back to saving.

710
00:29:48,680 --> 00:29:51,880
Speaker 6: I'm just like, I'm not consistent on where I am consistent,

711
00:29:51,960 --> 00:29:54,080
Speaker 6: Like a set amount of money goes to difflect to

712
00:29:54,080 --> 00:29:57,040
Speaker 6: the same bank accounts, But I feel like the percentages

713
00:29:57,080 --> 00:29:59,720
Speaker 6: of how much of my money could be more utilized

714
00:29:59,720 --> 00:30:00,320
Speaker 6: to work for me.

715
00:30:00,520 --> 00:30:03,479
Speaker 4: Maybe, yeah, that makes absolute sense.

716
00:30:03,560 --> 00:30:06,360
Speaker 1: I think it's just interesting when you start to hear

717
00:30:06,480 --> 00:30:08,880
Speaker 1: somebody going, oh, I think this could change or this

718
00:30:08,920 --> 00:30:10,640
Speaker 1: could change, you kind of get inside their head a

719
00:30:10,640 --> 00:30:12,600
Speaker 1: little bit and go, oh, that makes sense for them.

720
00:30:13,160 --> 00:30:16,240
Speaker 1: Why do you think you're so comfortable, I guess at

721
00:30:16,280 --> 00:30:19,640
Speaker 1: that income range for your age, why do you think

722
00:30:19,680 --> 00:30:21,400
Speaker 1: you're so comfortable just being like, you know what, I'll

723
00:30:21,400 --> 00:30:23,240
Speaker 1: wing it and I'll work it out. Is it just

724
00:30:23,320 --> 00:30:26,719
Speaker 1: because you've got a consistently relatively large paycheck coming in

725
00:30:26,800 --> 00:30:27,560
Speaker 1: every month.

726
00:30:27,400 --> 00:30:28,840
Speaker 5: I can publy Yeah, I assume so.

727
00:30:29,320 --> 00:30:30,600
Speaker 6: I don't want to say, but like I kind of

728
00:30:30,640 --> 00:30:33,960
Speaker 6: had that mentality towards like everything in my life, Like

729
00:30:34,680 --> 00:30:37,240
Speaker 6: I'm just so easy going, like I don't see money

730
00:30:37,280 --> 00:30:40,320
Speaker 6: as like the be all and the end all. I'm like, oh,

731
00:30:40,400 --> 00:30:43,720
Speaker 6: it's here, and I utilize it like really really well.

732
00:30:44,280 --> 00:30:46,920
Speaker 6: But I'm so cruisy with everything that goes on in

733
00:30:46,960 --> 00:30:49,320
Speaker 6: my life that I'm like, Okay, I work hard for

734
00:30:49,400 --> 00:30:52,520
Speaker 6: my money. I work so damn hard for my money,

735
00:30:52,520 --> 00:30:55,120
Speaker 6: and that when it comes in, I'm like, cool, it's there.

736
00:30:55,320 --> 00:30:57,600
Speaker 2: Cool, let's go back to work, Like yeah, I love.

737
00:30:57,440 --> 00:31:00,520
Speaker 6: That I work hard for it and it in and

738
00:31:00,520 --> 00:31:03,680
Speaker 6: then I'm like, oh cool, let's just let's just do life.

739
00:31:03,960 --> 00:31:04,480
Speaker 4: That's fair.

740
00:31:04,560 --> 00:31:07,320
Speaker 1: That's absolutely fair. What questions have you got, Jess. I

741
00:31:07,320 --> 00:31:08,760
Speaker 1: can see you looking at your notes.

742
00:31:09,800 --> 00:31:11,080
Speaker 3: I was gonna say, I want to talk to you

743
00:31:11,120 --> 00:31:14,000
Speaker 3: a little bit more about your job because I would

744
00:31:14,080 --> 00:31:18,120
Speaker 3: imagine that your industry would be very heavily skewed male.

745
00:31:18,280 --> 00:31:19,200
Speaker 2: What is that like.

746
00:31:19,480 --> 00:31:23,360
Speaker 3: Did you find, particularly because you are on the younger side,

747
00:31:23,400 --> 00:31:25,880
Speaker 3: to be going into a workforce where you said before,

748
00:31:26,000 --> 00:31:28,480
Speaker 3: you know some of the guys are fifty sixty years old.

749
00:31:28,960 --> 00:31:31,440
Speaker 3: Have you come up against so far any of that

750
00:31:31,560 --> 00:31:34,280
Speaker 3: kind of she's a bit young or you know, what

751
00:31:34,320 --> 00:31:36,240
Speaker 3: would you know? Because you get that in all industries,

752
00:31:36,240 --> 00:31:38,920
Speaker 3: but I imagine when you're working around machinery and it's

753
00:31:38,920 --> 00:31:42,400
Speaker 3: a bit of a blokes industry, it might be quite prevalent.

754
00:31:42,520 --> 00:31:43,480
Speaker 3: Has that been the case.

755
00:31:43,840 --> 00:31:47,520
Speaker 6: Yeah, I've had my fair share of men come and

756
00:31:47,600 --> 00:31:50,840
Speaker 6: put me down. Before I got my apprenticeship, I worked

757
00:31:50,840 --> 00:31:54,200
Speaker 6: at a different industry in like the ship building industry,

758
00:31:54,800 --> 00:31:57,600
Speaker 6: and I was the only female out of the entire

759
00:31:58,040 --> 00:32:01,480
Speaker 6: engineering department, out of one hundred.

760
00:32:01,160 --> 00:32:01,840
Speaker 5: And fifty men.

761
00:32:02,560 --> 00:32:05,200
Speaker 6: Oh my god, I was here and I was seventeen

762
00:32:05,280 --> 00:32:08,400
Speaker 6: years old, Like I just got my license, and I

763
00:32:08,440 --> 00:32:11,120
Speaker 6: was this little seventeen year old walking into a massive

764
00:32:11,120 --> 00:32:15,440
Speaker 6: shipbuilding company, and I likely I had like two blokes

765
00:32:15,480 --> 00:32:17,440
Speaker 6: out of the whole company that were kind of like

766
00:32:18,160 --> 00:32:19,960
Speaker 6: not my backbone. They were like, if you ever have

767
00:32:20,040 --> 00:32:23,080
Speaker 6: an issue, come to us and we'll do ABC and D,

768
00:32:23,480 --> 00:32:25,280
Speaker 6: and you know you just by the time I was

769
00:32:25,320 --> 00:32:26,959
Speaker 6: like three months into the job, I knew what I

770
00:32:27,040 --> 00:32:30,400
Speaker 6: was doing almost head down, ass up, and like people

771
00:32:30,600 --> 00:32:32,200
Speaker 6: just come up to you and be like, you know,

772
00:32:32,240 --> 00:32:34,680
Speaker 6: you don't belong here, like do you know what you're doing?

773
00:32:34,760 --> 00:32:36,360
Speaker 5: Do you know how to do your job? It's just

774
00:32:36,400 --> 00:32:36,960
Speaker 5: the industry.

775
00:32:37,440 --> 00:32:41,000
Speaker 3: Yeah, that's such an old school mentality that, you know,

776
00:32:41,040 --> 00:32:44,640
Speaker 3: it's a very because you're a woman, you couldn't possibly

777
00:32:44,680 --> 00:32:47,480
Speaker 3: know anything about machines, not as if you've done the same,

778
00:32:47,760 --> 00:32:49,800
Speaker 3: if not more study than something.

779
00:32:50,040 --> 00:32:53,000
Speaker 4: With you doing it seventeen, it was probably this.

780
00:32:54,240 --> 00:32:58,240
Speaker 6: Yeah, So that, apart from that job didn't last very

781
00:32:58,280 --> 00:33:01,160
Speaker 6: long because it was also very terrible company.

782
00:33:01,320 --> 00:33:04,200
Speaker 5: I did not have a good time. Just the way

783
00:33:04,280 --> 00:33:06,560
Speaker 5: I was treated and way other even the men were treated.

784
00:33:06,600 --> 00:33:07,240
Speaker 5: It was terrible.

785
00:33:07,480 --> 00:33:09,800
Speaker 4: Oh I'm so sorry. That sucks so much.

786
00:33:10,200 --> 00:33:11,120
Speaker 5: It sucked a little bit.

787
00:33:11,360 --> 00:33:14,240
Speaker 6: Very character building gives me the backbone that I definitely

788
00:33:14,280 --> 00:33:18,760
Speaker 6: have today. But now my apprenticeship has been an absolute breeze.

789
00:33:18,760 --> 00:33:20,920
Speaker 6: Like I think I started when I was seventeen, and

790
00:33:21,040 --> 00:33:25,760
Speaker 6: like sometimes being a young female in the industry can

791
00:33:25,800 --> 00:33:28,680
Speaker 6: be a bit like half and half and see like

792
00:33:28,680 --> 00:33:31,160
Speaker 6: oh we got a young female apprentice, or it's like,

793
00:33:31,200 --> 00:33:34,160
Speaker 6: oh we got a young female apprentice. Yeah, it's like

794
00:33:35,120 --> 00:33:37,920
Speaker 6: it's either half and half kind of thing. I haven't

795
00:33:37,960 --> 00:33:41,320
Speaker 6: had too much issue with my apprenticeship, apart from the

796
00:33:41,320 --> 00:33:43,440
Speaker 6: odd one or two people that like to talk down

797
00:33:43,480 --> 00:33:43,640
Speaker 6: to you.

798
00:33:43,720 --> 00:33:45,160
Speaker 5: But I'm like, you know what, you're gonna talk.

799
00:33:45,000 --> 00:33:46,560
Speaker 6: Down to me, I'm going to talk down back to you,

800
00:33:47,000 --> 00:33:49,240
Speaker 6: and I'll stand my ground and if you're rude to me, I'm.

801
00:33:49,200 --> 00:33:49,720
Speaker 4: Rude to you.

802
00:33:49,760 --> 00:33:52,360
Speaker 3: So I love that you have so much conviction that

803
00:33:52,480 --> 00:33:55,000
Speaker 3: I could not. I could never like I just someone

804
00:33:55,000 --> 00:33:56,240
Speaker 3: would say something mean, I'd be.

805
00:33:56,200 --> 00:34:01,280
Speaker 6: Like, oh, sorry, you should see me. I'm an angry crier,

806
00:34:01,600 --> 00:34:04,640
Speaker 6: an angry crier. I'm an angry cry and I get

807
00:34:04,760 --> 00:34:07,160
Speaker 6: so worked up and so angry I'll just burst out

808
00:34:07,160 --> 00:34:10,560
Speaker 6: into tears. One of the bosses at were he just

809
00:34:10,640 --> 00:34:13,400
Speaker 6: he rubbed me up the wrong way and I snapped.

810
00:34:13,440 --> 00:34:15,640
Speaker 6: I snapped and I swore at him, and I walked

811
00:34:15,640 --> 00:34:16,680
Speaker 6: out and I cried.

812
00:34:17,200 --> 00:34:19,279
Speaker 5: One of the blokes come up to me. He was like, oh, well, well,

813
00:34:19,320 --> 00:34:19,879
Speaker 5: what's the matter.

814
00:34:20,040 --> 00:34:23,319
Speaker 6: I said a many amount of words that I won't

815
00:34:23,320 --> 00:34:25,640
Speaker 6: repeat here, and he just started laughing at me.

816
00:34:25,680 --> 00:34:28,160
Speaker 5: He goes, go sit down, go have a Milo or something.

817
00:34:28,400 --> 00:34:32,120
Speaker 4: Just come for a Milo. This is so sweet. I

818
00:34:32,160 --> 00:34:33,960
Speaker 4: need a Milo when I've had a bad day.

819
00:34:34,040 --> 00:34:35,320
Speaker 2: That's pretty wholesome advice.

820
00:34:35,520 --> 00:34:39,600
Speaker 6: It's either a Milo or Ness Cafe forty three blend coffee.

821
00:34:39,960 --> 00:34:41,800
Speaker 2: Yeah, the high class coffee.

822
00:34:42,040 --> 00:34:45,480
Speaker 1: Very very nice. That sounds like stuff cafeteria vibes.

823
00:34:45,719 --> 00:34:47,640
Speaker 3: Does your partner work in the same industry as you?

824
00:34:48,000 --> 00:34:50,319
Speaker 3: He sure does incredible. Did you guys meet it work

825
00:34:50,680 --> 00:34:51,200
Speaker 3: you shor.

826
00:34:51,080 --> 00:34:53,400
Speaker 4: Did so cute?

827
00:34:54,080 --> 00:34:56,000
Speaker 5: It was like the first day, like I'd come into

828
00:34:56,040 --> 00:34:58,040
Speaker 5: the workshop, they were like, you go work with this person.

829
00:34:58,040 --> 00:35:00,440
Speaker 6: You work with this person, and they're like, you can

830
00:35:00,440 --> 00:35:01,440
Speaker 6: go work with this person.

831
00:35:01,520 --> 00:35:04,280
Speaker 5: I walked up and I got the young hot.

832
00:35:04,120 --> 00:35:08,480
Speaker 4: Tody, I will snap you up hello.

833
00:35:08,960 --> 00:35:11,279
Speaker 6: And then we ended up getting closer and closer and

834
00:35:11,440 --> 00:35:12,319
Speaker 6: now he's stuck with me.

835
00:35:12,640 --> 00:35:14,840
Speaker 2: So may you have house together?

836
00:35:15,560 --> 00:35:18,000
Speaker 4: Oh my gosh, how good is that?

837
00:35:18,000 --> 00:35:19,120
Speaker 5: That's really dog together?

838
00:35:19,840 --> 00:35:20,920
Speaker 2: What kind of dog do you have?

839
00:35:21,160 --> 00:35:23,160
Speaker 3: Which wear a cross jet ross stock?

840
00:35:24,280 --> 00:35:27,960
Speaker 6: So it's not a terror, it's been trained very well.

841
00:35:28,040 --> 00:35:29,440
Speaker 6: I know it's very biased of me.

842
00:35:29,520 --> 00:35:32,480
Speaker 1: But oh I think Lucy's been trained well too. And

843
00:35:32,520 --> 00:35:35,000
Speaker 1: then she's like rude. Sometimes I'm like, nah, that's not

844
00:35:35,000 --> 00:35:35,799
Speaker 1: how I brought you up.

845
00:35:35,960 --> 00:35:38,400
Speaker 3: Yeah, before we head off, do you have any advice

846
00:35:38,560 --> 00:35:41,720
Speaker 3: for women wanting to get into an industry like yours

847
00:35:41,719 --> 00:35:44,279
Speaker 3: that is really heavily skewed male that I may be

848
00:35:44,400 --> 00:35:47,440
Speaker 3: worried about facing, you know, those same kind of comments

849
00:35:47,520 --> 00:35:49,000
Speaker 3: or that same level of discrimination.

850
00:35:49,600 --> 00:35:53,480
Speaker 6: Yeah, it's I'm not gonna lie. So it's a tough industry,

851
00:35:53,560 --> 00:35:57,080
Speaker 6: Like it's a. It's a very tough industry, not only

852
00:35:57,400 --> 00:36:00,360
Speaker 6: to work with the men, but it's just a fly

853
00:36:00,440 --> 00:36:04,080
Speaker 6: demanding job. It would be some days I come home

854
00:36:04,120 --> 00:36:07,000
Speaker 6: from work and I am I am so sore, and

855
00:36:07,040 --> 00:36:08,040
Speaker 6: i am so tired.

856
00:36:08,160 --> 00:36:09,879
Speaker 5: I've got cuts and.

857
00:36:09,800 --> 00:36:12,680
Speaker 6: Bruises all up my arm, or I've been covered in

858
00:36:12,760 --> 00:36:16,240
Speaker 6: hydraulic oil head to toe, or I'm covered in diesel,

859
00:36:16,440 --> 00:36:18,879
Speaker 6: like you know, sometimes I've been covered in that much

860
00:36:18,920 --> 00:36:20,920
Speaker 6: oil that I've had to have a shower at works,

861
00:36:21,400 --> 00:36:23,440
Speaker 6: and I can't go home in my clothes because I

862
00:36:23,440 --> 00:36:26,600
Speaker 6: wear clothes under my overalls. I'm drenched, like I'm physically

863
00:36:26,719 --> 00:36:28,200
Speaker 6: I'm drenched in oil.

864
00:36:28,560 --> 00:36:30,640
Speaker 4: Oh so it's not for the faint hearted.

865
00:36:31,160 --> 00:36:33,239
Speaker 5: It's not for the faint of heart. It's not, and

866
00:36:33,239 --> 00:36:34,000
Speaker 5: it's not as well.

867
00:36:34,040 --> 00:36:37,200
Speaker 6: Like people can give you snarky comments like I do

868
00:36:37,320 --> 00:36:39,719
Speaker 6: field service by myself, and I've gone out and I've

869
00:36:39,719 --> 00:36:42,640
Speaker 6: been with like a one of my fitters. And then

870
00:36:42,680 --> 00:36:44,279
Speaker 6: one day I've been out by myself and I went

871
00:36:44,360 --> 00:36:46,399
Speaker 6: up to the same bloat whose machine's broken down again.

872
00:36:46,480 --> 00:36:50,120
Speaker 6: He goes, oh, so when's your fitter coming. I'm like,

873
00:36:51,120 --> 00:36:53,200
Speaker 6: I am the fitter. Like, move out the way, I'll

874
00:36:53,200 --> 00:36:55,400
Speaker 6: fix your machine, Like you have to be you have

875
00:36:55,440 --> 00:36:56,799
Speaker 6: to be stern, you have to be like, drat me

876
00:36:56,800 --> 00:36:59,000
Speaker 6: to fix your effing machine or what. Yeah, and then

877
00:36:59,239 --> 00:37:01,040
Speaker 6: if not, you just walk away. If they're going to

878
00:37:01,040 --> 00:37:02,080
Speaker 6: be rutey, I don't fix it.

879
00:37:02,120 --> 00:37:02,880
Speaker 5: I just turn around.

880
00:37:03,200 --> 00:37:03,520
Speaker 2: Yeah.

881
00:37:04,280 --> 00:37:07,400
Speaker 1: Ah, the confidence you've got to have to do that, though,

882
00:37:07,600 --> 00:37:09,560
Speaker 1: I don't know if I would have that in me.

883
00:37:10,080 --> 00:37:14,440
Speaker 6: Yeah, you can't be sensitive, Yeah, you really can't. Like

884
00:37:14,480 --> 00:37:15,920
Speaker 6: it's just I hate to say it, like it is

885
00:37:15,960 --> 00:37:16,359
Speaker 6: what it is.

886
00:37:16,560 --> 00:37:19,440
Speaker 5: It shouldn't be, but it is. But it's also so

887
00:37:19,520 --> 00:37:19,959
Speaker 5: much fun.

888
00:37:20,080 --> 00:37:23,080
Speaker 6: Like you've got what it takes to be a female

889
00:37:23,120 --> 00:37:26,359
Speaker 6: in the industry, be physically strong and mentally strong and

890
00:37:26,760 --> 00:37:27,759
Speaker 6: have the backbone.

891
00:37:28,360 --> 00:37:33,279
Speaker 5: Anything's possible. Lie, it's such a rewarding industry. It's so great.

892
00:37:33,719 --> 00:37:35,800
Speaker 4: I love that. I love that you love your job.

893
00:37:35,920 --> 00:37:37,880
Speaker 1: And I think that that's all we can hope that

894
00:37:37,960 --> 00:37:40,799
Speaker 1: everybody has right to find a career that they're just

895
00:37:40,920 --> 00:37:43,920
Speaker 1: so excited about. And I mean, I'm not up for

896
00:37:44,040 --> 00:37:46,479
Speaker 1: being covered in oil by the end of the day,

897
00:37:46,600 --> 00:37:49,560
Speaker 1: Like I'd be like, no, thank you, But if I

898
00:37:49,600 --> 00:37:51,879
Speaker 1: loved my job that much, I'd be like, yeah, that's fine,

899
00:37:51,920 --> 00:37:54,680
Speaker 1: that's just part and parcel throll like, that's absolutely fine,

900
00:37:54,680 --> 00:37:56,400
Speaker 1: because I think that so many people would say the

901
00:37:56,400 --> 00:37:57,400
Speaker 1: same thing about finance.

902
00:37:57,400 --> 00:38:00,400
Speaker 4: They're like absolutely not, Like that is not my forte.

903
00:38:01,160 --> 00:38:02,880
Speaker 5: I could not do your job sitting in an office

904
00:38:02,920 --> 00:38:04,200
Speaker 5: all day. Ye I couldn't.

905
00:38:04,239 --> 00:38:07,880
Speaker 6: I physically couldn't do it. I would drive myself absolutely batty.

906
00:38:09,840 --> 00:38:10,440
Speaker 4: Well lucky.

907
00:38:10,600 --> 00:38:13,200
Speaker 1: We spend most of our day in the studio now, Jes.

908
00:38:13,840 --> 00:38:16,960
Speaker 1: But thank you so so much for joining us. I

909
00:38:17,000 --> 00:38:19,400
Speaker 1: am so grateful to hear your story and know that

910
00:38:19,480 --> 00:38:22,120
Speaker 1: you're in our community, just bopping along doing you like

911
00:38:22,280 --> 00:38:24,960
Speaker 1: you are such a cool human and I feel like

912
00:38:25,000 --> 00:38:27,200
Speaker 1: the energy that you've brought to the podcast has been

913
00:38:27,280 --> 00:38:29,560
Speaker 1: so infectious, Like Jess and I are like, yes, let's

914
00:38:29,600 --> 00:38:32,279
Speaker 1: do it, like I love this, so thank you so

915
00:38:32,440 --> 00:38:34,880
Speaker 1: much for joining us. But unfortunately that is all we

916
00:38:35,000 --> 00:38:36,400
Speaker 1: have time for this Monday.

917
00:38:36,800 --> 00:38:39,239
Speaker 3: And don't forget, guys, the advice sheared on She's on

918
00:38:39,320 --> 00:38:41,360
Speaker 3: the Money is general in nature, and just not consider

919
00:38:41,400 --> 00:38:44,719
Speaker 3: your individual circumstances. She's on the Money exists purely for

920
00:38:44,840 --> 00:38:47,399
Speaker 3: educational purposes and should not be relied upon to make

921
00:38:47,440 --> 00:38:50,640
Speaker 3: an investment or a financial decision. And we promise Victoria

922
00:38:50,680 --> 00:38:54,480
Speaker 3: divine is an authorized representative of Infocused Securities Australia Proprietari

923
00:38:54,560 --> 00:38:58,000
Speaker 3: Limited ABN four seven oh nine seven seven nine seven

924
00:38:58,080 --> 00:39:01,440
Speaker 3: O fortnine AFSL two three six five two three See

925
00:39:01,440 --> 00:39:02,240
Speaker 3: you as soon, guys.

926
00:39:02,280 --> 00:39:18,000
Speaker 4: Bye m HM