1 00:00:00,680 --> 00:00:04,920 Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr 2 00:00:04,960 --> 00:00:08,680 Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before 3 00:00:08,680 --> 00:00:11,160 Speaker 1: we get started on She's on the Money podcast, I 4 00:00:11,160 --> 00:00:14,319 Speaker 1: would like to acknowledge the traditional custodians of the land 5 00:00:14,400 --> 00:00:17,680 Speaker 1: of which this podcast is recorded on a wondery country, 6 00:00:18,120 --> 00:00:22,240 Speaker 1: acknowledging the elders, the ancestors and the next generation coming 7 00:00:22,320 --> 00:00:26,960 Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing 8 00:00:27,080 --> 00:00:30,120 Speaker 1: and the storytelling of you to make a difference for 9 00:00:30,240 --> 00:00:32,640 Speaker 1: today and lasting impact for tomorrow. 10 00:00:33,320 --> 00:00:34,120 Speaker 2: Let's get into it. 11 00:00:34,760 --> 00:00:53,519 Speaker 3: She's on the Money, She's on the Money. 12 00:00:57,720 --> 00:01:00,600 Speaker 4: Hello, and welcome to She's on the Money, the podcast 13 00:01:00,640 --> 00:01:04,399 Speaker 4: for millennials who want financial freedom. Today my loves it 14 00:01:04,440 --> 00:01:07,280 Speaker 4: is Friday, which means Jess and I are here together 15 00:01:07,319 --> 00:01:10,959 Speaker 4: to celebrate you ow incredible. She's on the Money community. Today, 16 00:01:11,040 --> 00:01:12,880 Speaker 4: we're going to be sharing our favorite money wins. We're 17 00:01:12,920 --> 00:01:14,960 Speaker 4: going to be helping to answer juice money dilemma, which 18 00:01:15,000 --> 00:01:17,600 Speaker 4: this week is all about cheating on or breaking up 19 00:01:17,640 --> 00:01:20,320 Speaker 4: with your mortgage. Broke it in pursuit of a better deal. 20 00:01:21,160 --> 00:01:22,240 Speaker 2: You bitch didn't see it coming. 21 00:01:22,400 --> 00:01:26,440 Speaker 4: No, And we unpacked something that is slid into our DMS. 22 00:01:26,480 --> 00:01:28,880 Speaker 4: About this week, we're talking about a fiance having a 23 00:01:28,920 --> 00:01:33,560 Speaker 4: secret credit card which has been completely maxed out. So 24 00:01:34,120 --> 00:01:37,560 Speaker 4: to kick us off this week again, we are sans 25 00:01:37,640 --> 00:01:39,800 Speaker 4: Beck because she is not well. 26 00:01:40,080 --> 00:01:42,560 Speaker 2: And also where are we New Orleans? 27 00:01:42,720 --> 00:01:46,160 Speaker 4: That's what I thought, so like, it's not actually that 28 00:01:46,240 --> 00:01:48,520 Speaker 4: practical because Beck's in Australia. 29 00:01:48,560 --> 00:01:49,400 Speaker 2: We're in New Orleans. 30 00:01:49,400 --> 00:01:51,520 Speaker 4: So we figured we'd just like whip this one out. 31 00:01:52,520 --> 00:01:55,000 Speaker 5: Jessica, how was New York? 32 00:01:55,320 --> 00:01:57,320 Speaker 2: Oh my god, New York was amazing. We had the 33 00:01:57,360 --> 00:02:00,880 Speaker 2: best time to stay bagels, We ate bag we ate pizza, 34 00:02:00,960 --> 00:02:04,200 Speaker 2: We went to Broadway, we lived the dream. We recorded 35 00:02:04,240 --> 00:02:05,720 Speaker 2: some fun podcasts which we did. 36 00:02:05,760 --> 00:02:09,920 Speaker 4: We have so many guests International baby so fancy. 37 00:02:10,000 --> 00:02:12,240 Speaker 2: We got to have a look at Square Space, have 38 00:02:12,280 --> 00:02:12,840 Speaker 2: a chat to there. 39 00:02:12,880 --> 00:02:14,400 Speaker 4: We went to the head office and I did a 40 00:02:14,480 --> 00:02:17,320 Speaker 4: whole like financial literacy workshop with them, which I am 41 00:02:17,880 --> 00:02:21,480 Speaker 4: genuinely so passionate about. But also, jess I did a 42 00:02:21,520 --> 00:02:23,440 Speaker 4: financial literacy workshop. 43 00:02:23,040 --> 00:02:23,680 Speaker 2: In New York. 44 00:02:24,040 --> 00:02:25,120 Speaker 5: How cool? 45 00:02:25,480 --> 00:02:28,040 Speaker 2: So big dog. And anyway, now this week we've been 46 00:02:28,080 --> 00:02:30,280 Speaker 2: in New Orleans. We've been at fin Corn, which has 47 00:02:30,320 --> 00:02:31,200 Speaker 2: been super fun. 48 00:02:31,280 --> 00:02:33,800 Speaker 4: We came last year and I feel like you and 49 00:02:33,840 --> 00:02:37,720 Speaker 4: I left last year feeling so motivated. Yeah, to like smash. 50 00:02:37,720 --> 00:02:39,160 Speaker 4: She's on the money out of the water for the 51 00:02:39,160 --> 00:02:42,000 Speaker 4: next twelve months, and I feel like this year was 52 00:02:42,080 --> 00:02:43,360 Speaker 4: just like a no brainer for us. 53 00:02:43,720 --> 00:02:46,520 Speaker 2: Yeah, we're really excited. You're doing a keynote. I'm on 54 00:02:46,560 --> 00:02:48,480 Speaker 2: a panel, which is really fun, and we just get 55 00:02:48,480 --> 00:02:50,000 Speaker 2: to hang out with some of our friends from home. 56 00:02:50,080 --> 00:02:52,239 Speaker 4: My keynote is tomorrow, which is a little bit scary 57 00:02:52,280 --> 00:02:54,360 Speaker 4: because I've never done an international keynote. 58 00:02:54,639 --> 00:02:55,720 Speaker 2: She's going up in the world. 59 00:02:55,919 --> 00:02:58,240 Speaker 5: I'm loving this. This is so wild. 60 00:02:58,320 --> 00:02:59,840 Speaker 2: If you want us to fly to your country and 61 00:02:59,840 --> 00:03:02,880 Speaker 2: get talk hit us up would be very expensive though, 62 00:03:03,080 --> 00:03:04,639 Speaker 2: it would be very expensive, but also very fun. 63 00:03:04,720 --> 00:03:06,639 Speaker 4: I'll do it anyway. We'll do it on zoom on 64 00:03:07,120 --> 00:03:07,880 Speaker 4: zoom totally. 65 00:03:08,080 --> 00:03:08,480 Speaker 2: Alright. 66 00:03:08,600 --> 00:03:11,840 Speaker 4: So we have had honestly pretty good weeks. Like when 67 00:03:11,880 --> 00:03:13,960 Speaker 4: it comes to a work week, Jess, has there been better? 68 00:03:14,200 --> 00:03:16,280 Speaker 2: I don't think so. No, neither. Oh. 69 00:03:16,440 --> 00:03:18,160 Speaker 5: Actually, remember the time we went to. 70 00:03:18,080 --> 00:03:20,320 Speaker 2: Disneyland, of you know what? That was pretty good. 71 00:03:20,480 --> 00:03:22,320 Speaker 4: Yeah, Like, we don't really do work it. She's on 72 00:03:22,400 --> 00:03:25,560 Speaker 4: money too. All right, let's get into it. I know 73 00:03:25,600 --> 00:03:28,160 Speaker 4: you have a number of community money wins. Even though 74 00:03:28,200 --> 00:03:31,160 Speaker 4: we are international guys, we are still creeping on what 75 00:03:31,320 --> 00:03:33,600 Speaker 4: is going on back home. So Jess, what are your 76 00:03:33,600 --> 00:03:35,000 Speaker 4: favorite community money wins of. 77 00:03:34,920 --> 00:03:37,360 Speaker 2: The week this week? First money win this week I 78 00:03:37,400 --> 00:03:39,600 Speaker 2: have comes from Tara who said I was the first 79 00:03:39,600 --> 00:03:42,000 Speaker 2: caller to read the radio station when they hear the 80 00:03:42,080 --> 00:03:45,600 Speaker 2: cuter call, I want one hundred dollars cash money win. 81 00:03:45,840 --> 00:03:48,240 Speaker 2: Love that money win. That never happens. I feel like 82 00:03:48,240 --> 00:03:49,840 Speaker 2: I never hear about people winning those things, so that 83 00:03:49,920 --> 00:03:50,920 Speaker 2: was just really exciting for me. 84 00:03:50,960 --> 00:03:52,720 Speaker 4: I mean I hear all the time because, like Jess, 85 00:03:52,720 --> 00:03:55,520 Speaker 4: our studio back in Melbourne is literally in a radio station. 86 00:03:55,720 --> 00:03:57,960 Speaker 2: True, but the phones go off the hook. 87 00:03:58,440 --> 00:04:00,680 Speaker 4: Like sometimes if you're walking past the studio you can 88 00:04:00,720 --> 00:04:03,120 Speaker 4: kind of see the switchboards light up. Remember when they 89 00:04:03,120 --> 00:04:06,280 Speaker 4: were giving away Taylor Swift tickets or they broke the phones. 90 00:04:06,480 --> 00:04:09,200 Speaker 2: Yeah, like it literally just stopped functioning, which I don't 91 00:04:09,200 --> 00:04:09,560 Speaker 2: blame you. 92 00:04:09,680 --> 00:04:12,119 Speaker 4: And all of them were like calling reception and reception. 93 00:04:12,600 --> 00:04:15,680 Speaker 4: Josh a reception was literally like can you not, Like 94 00:04:15,920 --> 00:04:17,359 Speaker 4: I can't get you tickets. 95 00:04:17,480 --> 00:04:19,440 Speaker 2: I can't help you. If I could get tickets, I 96 00:04:19,440 --> 00:04:20,320 Speaker 2: would be getting the ticket. 97 00:04:20,320 --> 00:04:22,359 Speaker 4: And Josh like I didn't even get tickets go away 98 00:04:23,600 --> 00:04:23,920 Speaker 4: next time. 99 00:04:24,040 --> 00:04:25,719 Speaker 2: I'm on even in from Tigan, who said the tire 100 00:04:25,800 --> 00:04:28,279 Speaker 2: repair shop didn't charge me for my puncture repair. 101 00:04:28,520 --> 00:04:30,000 Speaker 5: Oh that's really kind. 102 00:04:29,960 --> 00:04:33,040 Speaker 2: Small and really sweet. Tina said, I decided to look 103 00:04:33,040 --> 00:04:35,800 Speaker 2: into solar panels for our home. Who knew, not only 104 00:04:35,839 --> 00:04:37,800 Speaker 2: can you put them on a payment pan with no 105 00:04:37,960 --> 00:04:41,920 Speaker 2: interest fees, I didn't know, there's also government rebates from 106 00:04:41,960 --> 00:04:44,120 Speaker 2: one to three thousand dollars off the panels. 107 00:04:44,279 --> 00:04:44,840 Speaker 5: Oh, money win. 108 00:04:44,960 --> 00:04:47,480 Speaker 2: We saved twenty eight hundred dollars with our government rebate, 109 00:04:47,520 --> 00:04:49,799 Speaker 2: and it will reduce our power bill from seven hundred 110 00:04:49,839 --> 00:04:53,440 Speaker 2: dollars to around three hundred, maybe even less, which is 111 00:04:53,440 --> 00:04:56,760 Speaker 2: potentially saving US eighteen hundred dollars over the year. Money win. 112 00:04:56,920 --> 00:04:59,640 Speaker 2: I love this. Love that she did the mask stunning. 113 00:05:00,200 --> 00:05:02,040 Speaker 2: I've got a money win from Samantha, who said I've 114 00:05:02,040 --> 00:05:03,680 Speaker 2: been listening to She's on the Money for a little 115 00:05:03,680 --> 00:05:06,760 Speaker 2: while now, and this week I finally downloaded my first 116 00:05:06,760 --> 00:05:10,240 Speaker 2: investing app and then in brackets She's got chares Is obviously, 117 00:05:10,480 --> 00:05:12,880 Speaker 2: and I invested for my very first time. 118 00:05:13,160 --> 00:05:16,360 Speaker 4: Congratulations, my angel, you're an investor now. Yeah. 119 00:05:16,400 --> 00:05:18,240 Speaker 2: I'm in my late thirties, so I feel a bit 120 00:05:18,320 --> 00:05:21,000 Speaker 2: late to the potting. Better to start now than not 121 00:05:21,120 --> 00:05:21,560 Speaker 2: at all. 122 00:05:21,960 --> 00:05:25,359 Speaker 4: Also, did you use the code SotM to get a 123 00:05:25,400 --> 00:05:27,240 Speaker 4: free ten dollars when you signed up? 124 00:05:27,400 --> 00:05:30,440 Speaker 2: I hope so. How exciting, Samantha West, that's amazing, proud 125 00:05:30,480 --> 00:05:33,560 Speaker 2: of you. I love this. Next, Laurence said, I picked 126 00:05:33,560 --> 00:05:35,440 Speaker 2: this up free from the curb and I've got a 127 00:05:35,480 --> 00:05:37,880 Speaker 2: happy little man. And it's a picture that she put 128 00:05:37,920 --> 00:05:41,560 Speaker 2: in of this really cute little like wooden theater, like 129 00:05:41,640 --> 00:05:44,680 Speaker 2: puppet theater. Oh my gosh, what adorable She's popped in 130 00:05:44,720 --> 00:05:46,960 Speaker 2: so sweet a photo. I don't know if she's maybe 131 00:05:47,040 --> 00:05:48,640 Speaker 2: done it up a little bit, but it is. It 132 00:05:48,720 --> 00:05:52,040 Speaker 2: looks so cute and it was free. How toddler looks 133 00:05:52,040 --> 00:05:54,120 Speaker 2: like they are definitely enjoying that. He's having a lot 134 00:05:54,160 --> 00:05:56,520 Speaker 2: of fun. And then lastly, I've got a money win 135 00:05:56,560 --> 00:05:59,560 Speaker 2: from Imagen who said I made my first sale on Deepop. 136 00:05:59,720 --> 00:06:02,040 Speaker 2: Enjoy your hoodies, Jackie. 137 00:06:02,480 --> 00:06:04,800 Speaker 4: I love this so much. You're a deep Hop girlie. 138 00:06:04,800 --> 00:06:05,679 Speaker 2: I love a Deep Pops. 139 00:06:06,120 --> 00:06:08,000 Speaker 4: I know I have been checking there when I'm looking 140 00:06:08,040 --> 00:06:10,320 Speaker 4: for like dresses that I wished I got last season 141 00:06:10,400 --> 00:06:12,520 Speaker 4: but didn't purchase, and then I find them there for 142 00:06:12,560 --> 00:06:15,599 Speaker 4: like fifty bucks and I'm like, money win huge. My 143 00:06:15,680 --> 00:06:18,120 Speaker 4: favorite is, actually this is very self centered, so I 144 00:06:18,120 --> 00:06:20,640 Speaker 4: do apologize. My favorite is when like I message someone, 145 00:06:20,680 --> 00:06:22,680 Speaker 4: I'm like, hey, is this dress available and they're like yep, 146 00:06:22,720 --> 00:06:24,479 Speaker 4: no worries, and then I like ask a few questions 147 00:06:24,480 --> 00:06:26,600 Speaker 4: and then I'm like, yep, oh buy it, nories, thank you, 148 00:06:26,880 --> 00:06:30,080 Speaker 4: I just processed it, and they're like, also love your podcast. 149 00:06:32,000 --> 00:06:34,200 Speaker 4: Sorry I do, and then I forego there, I do 150 00:06:34,240 --> 00:06:36,200 Speaker 4: love money when like, yeah, I am living and breathing 151 00:06:36,279 --> 00:06:38,120 Speaker 4: that she's on the money way of life. 152 00:06:37,920 --> 00:06:39,960 Speaker 2: Like, don't worry. I believe in those values. 153 00:06:40,200 --> 00:06:41,320 Speaker 5: Yeah, wholeheartedly. 154 00:06:41,480 --> 00:06:43,400 Speaker 4: And they're like this is actually so funny, and I'm like, 155 00:06:43,400 --> 00:06:44,760 Speaker 4: thanks for the dress, Gabe. 156 00:06:44,520 --> 00:06:45,760 Speaker 2: Oh my gosh, that's so hold. 157 00:06:45,800 --> 00:06:48,400 Speaker 4: So all right, Beck not here because she's not in 158 00:06:48,440 --> 00:06:51,040 Speaker 4: the country, but I am going to do the broke 159 00:06:51,080 --> 00:06:53,520 Speaker 4: tips from the community this week. She's provided them, and 160 00:06:53,560 --> 00:06:55,520 Speaker 4: I also have a tip from Beck because I was like, 161 00:06:55,560 --> 00:06:57,479 Speaker 4: we didn't do one last week. You're not getting on 162 00:06:57,600 --> 00:07:00,960 Speaker 4: this week. Send me once she's here and Spirits is 163 00:07:01,000 --> 00:07:04,479 Speaker 4: here in Spirits, So the first broake tip comes from Rachel, 164 00:07:04,760 --> 00:07:08,640 Speaker 4: and Rachel said, try one month of just buying everything 165 00:07:08,880 --> 00:07:11,600 Speaker 4: with no brand name on them. So like at the supermarket, 166 00:07:11,880 --> 00:07:15,880 Speaker 4: includes food, clothing, if you need to buy it, et cetera, drinks. 167 00:07:16,200 --> 00:07:18,440 Speaker 4: You are going to be so surprised at how much 168 00:07:18,480 --> 00:07:20,880 Speaker 4: the savings add up, and you'll finally try all the 169 00:07:20,880 --> 00:07:21,680 Speaker 4: home brand things. 170 00:07:21,560 --> 00:07:24,720 Speaker 2: You've been questioning. And everyone always says the home brand 171 00:07:24,720 --> 00:07:26,640 Speaker 2: things are made in the same factory. They just have. 172 00:07:26,680 --> 00:07:28,720 Speaker 4: They're not label they have to be because do you 173 00:07:28,760 --> 00:07:30,280 Speaker 4: really think, like down the road there's going to be 174 00:07:30,320 --> 00:07:33,280 Speaker 4: like no name pasta factory, Like it just makes no 175 00:07:33,360 --> 00:07:36,080 Speaker 4: sense to have an entire factory that. 176 00:07:35,920 --> 00:07:39,160 Speaker 2: Pumps out no name pasta. Yeah, so there you go. 177 00:07:39,200 --> 00:07:40,840 Speaker 2: Maybe you'll find something to be like this is literally 178 00:07:40,880 --> 00:07:42,160 Speaker 2: exactly the same exactly. 179 00:07:42,240 --> 00:07:44,400 Speaker 4: And can you please tell us what your favorite home 180 00:07:44,440 --> 00:07:47,040 Speaker 4: brand items are because I want to know, like what 181 00:07:47,080 --> 00:07:49,880 Speaker 4: are the winds because a few times right I have 182 00:07:49,960 --> 00:07:54,440 Speaker 4: been pleasantly surprised. My favorite is Pringles, So the sour 183 00:07:54,480 --> 00:07:57,320 Speaker 4: cream and onion pringles are my favorite type of Pringles. 184 00:07:57,360 --> 00:07:59,480 Speaker 4: Don't come for me. I'm not having a fight green one. 185 00:07:59,520 --> 00:08:02,320 Speaker 4: So the only ones that I will let you have red, 186 00:08:02,440 --> 00:08:03,720 Speaker 4: no go away purple? 187 00:08:03,800 --> 00:08:04,600 Speaker 2: Are you joking? 188 00:08:04,800 --> 00:08:06,960 Speaker 4: Save that for smiths like Crinkle cut chips. 189 00:08:07,040 --> 00:08:07,200 Speaker 6: Huh. 190 00:08:07,240 --> 00:08:10,040 Speaker 4: Anyway, we could fight, but we're not going to because 191 00:08:10,040 --> 00:08:11,640 Speaker 4: you're all going to agree that the green ones are 192 00:08:11,640 --> 00:08:14,480 Speaker 4: the best. But they have shrunk in size, so Pringles 193 00:08:14,480 --> 00:08:16,760 Speaker 4: are no longer as great a value as they used 194 00:08:16,800 --> 00:08:19,880 Speaker 4: to be. Cole's home brand pringles though are They are 195 00:08:19,920 --> 00:08:22,600 Speaker 4: the exact same size as the old pringles and they 196 00:08:22,640 --> 00:08:25,200 Speaker 4: taste exactly the same and they're like one ninety nine 197 00:08:25,200 --> 00:08:25,720 Speaker 4: for a tube. 198 00:08:25,840 --> 00:08:27,880 Speaker 2: You know what. They did that with the red Rock 199 00:08:27,920 --> 00:08:29,880 Speaker 2: deli chips as well, that are now like eight dollars 200 00:08:29,880 --> 00:08:32,240 Speaker 2: bag or something. A bit know. Coles do like a 201 00:08:32,280 --> 00:08:34,840 Speaker 2: deli chip that tastes literally exactly the same, and it's 202 00:08:34,880 --> 00:08:35,240 Speaker 2: just better. 203 00:08:35,280 --> 00:08:37,160 Speaker 4: It's trees, it's cheaper, and you're like, I can taste 204 00:08:37,160 --> 00:08:38,600 Speaker 4: the savings, taste. 205 00:08:38,280 --> 00:08:40,320 Speaker 2: The saving, I can taste them. 206 00:08:40,800 --> 00:08:44,120 Speaker 4: Osh, So definitely try those. The next one is from Tory, 207 00:08:44,240 --> 00:08:47,160 Speaker 4: and Tory says, recycle as much as possible if you 208 00:08:47,200 --> 00:08:50,160 Speaker 4: find yourself with recyclable waste before you put it into 209 00:08:50,160 --> 00:08:52,480 Speaker 4: the recycling bin, so if you can try and get 210 00:08:52,520 --> 00:08:54,800 Speaker 4: a few more uses out of it, For example, a 211 00:08:54,880 --> 00:08:56,880 Speaker 4: box from a parcel that came in the mail. They 212 00:08:56,880 --> 00:08:58,920 Speaker 4: could be used as a moving box, or for packing 213 00:08:58,920 --> 00:09:01,400 Speaker 4: something else up that you've interesting you need to ship out. 214 00:09:01,600 --> 00:09:04,000 Speaker 4: You could also use things for gift wrapping or like 215 00:09:04,040 --> 00:09:07,120 Speaker 4: a glory box or something like that. I'm not sure 216 00:09:07,120 --> 00:09:09,880 Speaker 4: what a glory box is. A glory box is, Oh 217 00:09:10,120 --> 00:09:14,240 Speaker 4: you do? Yeah, it sounded really questionable. No, you'd open 218 00:09:14,280 --> 00:09:17,400 Speaker 4: it and be really surprised. I feel like pizza, right, 219 00:09:18,400 --> 00:09:19,000 Speaker 4: I don't. 220 00:09:18,760 --> 00:09:21,800 Speaker 2: Know I had one. It's like an older fashioned concept 221 00:09:21,880 --> 00:09:23,920 Speaker 2: you would have it. I feel like it's from our 222 00:09:24,000 --> 00:09:27,440 Speaker 2: mum's generation. But you would collect things for your future 223 00:09:27,480 --> 00:09:29,439 Speaker 2: home while you still lived with your parents, and it 224 00:09:29,480 --> 00:09:31,920 Speaker 2: would go in your glory box. So maybe yeah, so 225 00:09:31,960 --> 00:09:33,800 Speaker 2: maybe for like Christmas or birthdays, or if you saw 226 00:09:33,840 --> 00:09:36,600 Speaker 2: something on sale, you would buy tea appointing pizza. No, 227 00:09:36,679 --> 00:09:38,439 Speaker 2: it's not a disappointing pizza at all. 228 00:09:38,600 --> 00:09:40,360 Speaker 4: So you'd like buy tea tails and put them in your. 229 00:09:40,320 --> 00:09:43,320 Speaker 2: Glove yeah, or pants, like your pans went on sale, 230 00:09:43,400 --> 00:09:45,400 Speaker 2: Like if there was a super clearance somewhere and you 231 00:09:45,400 --> 00:09:46,679 Speaker 2: were like, oh my god, well one day I'll have 232 00:09:46,679 --> 00:09:48,280 Speaker 2: a house. On any pans, you'd buy the pants and 233 00:09:48,320 --> 00:09:50,040 Speaker 2: they'd go in your glory box. And then the idea 234 00:09:50,160 --> 00:09:52,400 Speaker 2: was when you moved out, you didn't get hit with 235 00:09:52,480 --> 00:09:54,600 Speaker 2: all of the expenses the bus stop laughing. 236 00:09:55,120 --> 00:09:56,640 Speaker 5: I can't keep a straight face. 237 00:09:57,280 --> 00:10:00,120 Speaker 2: Why is it called a glory box? Glory to God? 238 00:10:00,320 --> 00:10:03,160 Speaker 2: Maybe I don't know. That's not my Let me google 239 00:10:03,160 --> 00:10:04,719 Speaker 2: it for you one time. No, I don't even want 240 00:10:04,760 --> 00:10:05,959 Speaker 2: to know. Am I going to get some questions? 241 00:10:05,960 --> 00:10:08,959 Speaker 4: I think you're going to get some questionable pictures and videos, Jessica. 242 00:10:08,840 --> 00:10:12,240 Speaker 2: I've googled it. It says the origin of the expression 243 00:10:12,240 --> 00:10:13,920 Speaker 2: of glory box is unclear. 244 00:10:14,200 --> 00:10:16,640 Speaker 4: Well, that makes sense, gloryby I'm mon clear of what 245 00:10:16,679 --> 00:10:19,400 Speaker 4: a glory box is? Have you found any other definition? 246 00:10:19,480 --> 00:10:23,120 Speaker 2: According to the Australian National Dictionary Center, glory box is 247 00:10:23,160 --> 00:10:27,439 Speaker 2: probably related to the British dialect expression glory whole. No, 248 00:10:27,559 --> 00:10:30,560 Speaker 2: it's not. Did you just make that up? Denoting a 249 00:10:30,640 --> 00:10:34,000 Speaker 2: place for storing odds and ends? Oh okay, do you 250 00:10:34,080 --> 00:10:34,280 Speaker 2: know what? 251 00:10:34,400 --> 00:10:36,320 Speaker 4: I think we might move on because this is a 252 00:10:36,400 --> 00:10:37,840 Speaker 4: very g rated podcast. 253 00:10:38,520 --> 00:10:40,959 Speaker 2: Was I right, jess in thinking what I was thinking? Cool? 254 00:10:41,120 --> 00:10:42,160 Speaker 2: I was? Thank you. 255 00:10:42,240 --> 00:10:45,640 Speaker 4: Tory also suggests that we say that our pasta sauce jars, 256 00:10:45,640 --> 00:10:47,559 Speaker 4: because she said it could actually become a really cool 257 00:10:47,679 --> 00:10:50,600 Speaker 4: drinking glass, a small vase, a candle, et cetera. And 258 00:10:50,640 --> 00:10:53,400 Speaker 4: we really should be trying to recycle first anyway before 259 00:10:53,480 --> 00:10:57,280 Speaker 4: it actually goes in the recycling bin, which I really liked. 260 00:10:58,040 --> 00:11:00,320 Speaker 4: I have one from Beck and we've I've been in 261 00:11:00,360 --> 00:11:04,120 Speaker 4: America and the exchange rate is absolutely abysmal. So we 262 00:11:04,200 --> 00:11:06,319 Speaker 4: have no broke tips for this week except for how 263 00:11:06,360 --> 00:11:08,200 Speaker 4: we feel really broke this week. 264 00:11:08,280 --> 00:11:09,600 Speaker 2: I need bex help lay it on me. 265 00:11:09,760 --> 00:11:12,400 Speaker 4: Yep, all right, So Beck says, check out the free 266 00:11:12,400 --> 00:11:15,040 Speaker 4: section of Marketplace first. I feel like this is channeling 267 00:11:15,080 --> 00:11:17,720 Speaker 4: from your money win section. Lauren, who said she got 268 00:11:17,720 --> 00:11:20,560 Speaker 4: that place enter thing from the curb, but she said, 269 00:11:20,640 --> 00:11:22,840 Speaker 4: check out the free section of Marketplace. You could find 270 00:11:22,880 --> 00:11:25,559 Speaker 4: a money win and also you could find something that's 271 00:11:25,600 --> 00:11:28,880 Speaker 4: not well marketed, take home, clean it up, flip it 272 00:11:28,920 --> 00:11:29,600 Speaker 4: for a profit. 273 00:11:30,040 --> 00:11:32,800 Speaker 2: I've seen people do that on TikTok I. It's a genius, 274 00:11:32,840 --> 00:11:34,400 Speaker 2: really smart and recycling. 275 00:11:34,520 --> 00:11:36,640 Speaker 4: Beck also said when I messaged her, she said, I 276 00:11:36,720 --> 00:11:38,960 Speaker 4: furnished my house over the years with heaps of free 277 00:11:39,000 --> 00:11:42,319 Speaker 4: things from Facebook, Marketplace and gum Tree. You'll be super 278 00:11:42,360 --> 00:11:44,960 Speaker 4: surprised if the qualities. Sometimes people just want to get 279 00:11:45,040 --> 00:11:47,000 Speaker 4: rid of their things and they don't actually want money. 280 00:11:47,000 --> 00:11:48,960 Speaker 4: They just want it gone and moved, and they don't 281 00:11:48,960 --> 00:11:51,760 Speaker 4: want to have to like negotiate delivery fees or pickups 282 00:11:51,840 --> 00:11:53,720 Speaker 4: or whatever, and like they're just like take it, yess, 283 00:11:53,760 --> 00:11:55,080 Speaker 4: I don't want this anymore. 284 00:11:55,240 --> 00:11:57,040 Speaker 2: If you're willing to put in the work, and if 285 00:11:57,040 --> 00:12:00,600 Speaker 2: you or someone you know is strong, very something to 286 00:12:00,600 --> 00:12:02,440 Speaker 2: be said in that, because I remember when my friend moved. 287 00:12:02,440 --> 00:12:04,600 Speaker 2: She lived in an apartment and it was a really 288 00:12:04,720 --> 00:12:06,880 Speaker 2: narrow staircase and she was on like the third floor, 289 00:12:06,880 --> 00:12:09,600 Speaker 2: and she was like, over my dead body, am I 290 00:12:09,679 --> 00:12:12,040 Speaker 2: carrying this couch down? And so she literally put a 291 00:12:12,040 --> 00:12:14,680 Speaker 2: whole nice couch on Facebook marketplace for free. She's like, 292 00:12:14,679 --> 00:12:16,000 Speaker 2: the only catch is you have to get it down 293 00:12:16,040 --> 00:12:16,520 Speaker 2: the stairs. 294 00:12:16,640 --> 00:12:17,880 Speaker 5: Yeah, that's fair. That's a good game. 295 00:12:18,120 --> 00:12:20,160 Speaker 2: Imagine how many people would do the same thing. They 296 00:12:20,280 --> 00:12:22,360 Speaker 2: like that. I just can't be bothered moving it, but 297 00:12:22,440 --> 00:12:24,520 Speaker 2: it's yours because then I don't have to pay for 298 00:12:24,559 --> 00:12:26,560 Speaker 2: like a junk removal. So yeah, no, that's true. 299 00:12:26,600 --> 00:12:30,040 Speaker 4: Also another hack that Beck threw in, she said, your 300 00:12:30,080 --> 00:12:34,920 Speaker 4: location to the wealthier suburbs. Ah, it's so smart, genius. 301 00:12:34,600 --> 00:12:36,440 Speaker 2: Find out when they have their hard rubbish collection. 302 00:12:36,880 --> 00:12:38,760 Speaker 5: Well that's a good one as well. How do we 303 00:12:38,800 --> 00:12:39,680 Speaker 5: find that out. 304 00:12:39,559 --> 00:12:41,319 Speaker 2: Be trawling those rich suburbs. 305 00:12:41,320 --> 00:12:44,240 Speaker 4: Maybe yeah, go on their council websites, see what's up. 306 00:12:44,320 --> 00:12:45,440 Speaker 2: Literally, be like, I'm. 307 00:12:45,280 --> 00:12:47,160 Speaker 4: Not paying your rates, but I definitely will look at 308 00:12:47,160 --> 00:12:48,920 Speaker 4: when you're hard rubbish collection days. 309 00:12:49,160 --> 00:12:52,240 Speaker 2: One rich person's trash is definitely treasure for the rest 310 00:12:52,240 --> 00:12:53,559 Speaker 2: of us one hundred percent. 311 00:12:53,559 --> 00:12:55,600 Speaker 4: Alright, let's go to a really quick break on the 312 00:12:55,600 --> 00:12:57,560 Speaker 4: flip side. We're going to be talking about cheating on 313 00:12:57,679 --> 00:13:00,680 Speaker 4: or breaking up with your mortgage broker. And we're also 314 00:13:00,720 --> 00:13:03,160 Speaker 4: going to be discussing a like spicy little DM that 315 00:13:03,200 --> 00:13:05,600 Speaker 4: someone slid into our messages about and said, I have 316 00:13:05,640 --> 00:13:07,640 Speaker 4: a fiance and they have a secret credit card and 317 00:13:07,640 --> 00:13:08,439 Speaker 4: it's been maxed out. 318 00:13:08,440 --> 00:13:09,880 Speaker 5: What do I do? 319 00:13:09,400 --> 00:13:10,680 Speaker 4: Or don't go anywhere? 320 00:13:10,720 --> 00:13:18,559 Speaker 2: Guys, Welcome back, everybody. Should we take a listen to 321 00:13:18,600 --> 00:13:19,920 Speaker 2: this week's money dilemma? 322 00:13:22,080 --> 00:13:24,440 Speaker 4: Hi? There, have you got a money dilemma you just 323 00:13:24,480 --> 00:13:27,040 Speaker 4: can't solve? The She's on the Money team is here 324 00:13:27,040 --> 00:13:30,280 Speaker 4: to help. Every week we tackle your dilemmas, both big 325 00:13:30,360 --> 00:13:32,840 Speaker 4: and small, to answer your most burning money. 326 00:13:32,559 --> 00:13:33,960 Speaker 2: Career and life questions. 327 00:13:34,160 --> 00:13:36,640 Speaker 4: To get involved, simply head to our website and leave 328 00:13:36,720 --> 00:13:38,840 Speaker 4: us a short voice recording and you might just find 329 00:13:38,880 --> 00:13:41,600 Speaker 4: yourself on the show. Now, let's take a listen to 330 00:13:41,640 --> 00:13:42,840 Speaker 4: this week's money dilemma. 331 00:13:46,040 --> 00:13:48,960 Speaker 6: Hi, she's solemn money. So I plan on breaking up 332 00:13:49,000 --> 00:13:52,600 Speaker 6: with my mortgage broker or potentially it's cheat. To give 333 00:13:52,600 --> 00:13:54,720 Speaker 6: you some background, I've bought my home with my first 334 00:13:54,760 --> 00:13:57,679 Speaker 6: mortgage broker already and they were great. However, I'm now 335 00:13:57,720 --> 00:13:59,920 Speaker 6: looking into an investment home and they said there's absolutely 336 00:13:59,920 --> 00:14:01,160 Speaker 6: not thing I can. 337 00:14:01,080 --> 00:14:02,520 Speaker 2: Do because of cash flow. 338 00:14:03,520 --> 00:14:05,439 Speaker 6: I've asked whether there's anything else we can do and 339 00:14:05,480 --> 00:14:08,000 Speaker 6: they said it's a hard no. Hence I want to 340 00:14:08,040 --> 00:14:10,360 Speaker 6: get a second opinion, but I still want to stick 341 00:14:10,360 --> 00:14:13,000 Speaker 6: to this mortgage broker to refinance our first home. So 342 00:14:13,000 --> 00:14:15,600 Speaker 6: my questions are, can they see on their system if 343 00:14:15,640 --> 00:14:17,760 Speaker 6: I engage in a second mortgage broker for our investment home, 344 00:14:18,040 --> 00:14:20,240 Speaker 6: and so are there any negatives with engaging in two 345 00:14:20,280 --> 00:14:21,800 Speaker 6: mortgage brokers at the same time? 346 00:14:22,320 --> 00:14:23,920 Speaker 2: Thank you, This is giving me. 347 00:14:23,960 --> 00:14:27,640 Speaker 4: If you're at Flags, Jessica, red Flags, yea more so, 348 00:14:28,560 --> 00:14:32,360 Speaker 4: you either, from my perspective, trust your mortgage broker inherently 349 00:14:32,480 --> 00:14:34,560 Speaker 4: or you do not. If you do not trust your 350 00:14:34,560 --> 00:14:38,080 Speaker 4: mortgage broker inherently, you go find a second opinion and 351 00:14:38,120 --> 00:14:41,520 Speaker 4: you don't want to refinance with them, So I would 352 00:14:41,560 --> 00:14:43,800 Speaker 4: be interested to know why you want to leave your 353 00:14:43,840 --> 00:14:47,280 Speaker 4: first loan with your mortgage broker that honestly, you're telling 354 00:14:47,280 --> 00:14:49,160 Speaker 4: me you don't trust because you're saying I want a 355 00:14:49,200 --> 00:14:51,840 Speaker 4: second opinion. I did trust them, they're now telling me 356 00:14:51,920 --> 00:14:54,640 Speaker 4: that cash flow is an issue. I would be asking 357 00:14:54,680 --> 00:14:57,080 Speaker 4: more questions about, like why is cash flow an issue? 358 00:14:57,080 --> 00:14:58,360 Speaker 2: How does that work? To me? 359 00:14:58,800 --> 00:15:01,600 Speaker 4: That makes perfect sense. I own a mortgage broking company. 360 00:15:01,640 --> 00:15:04,080 Speaker 4: I fully understand that. You know, let's say, Jess, you 361 00:15:04,120 --> 00:15:06,320 Speaker 4: bought your first home. You might have a whole heap 362 00:15:06,360 --> 00:15:08,440 Speaker 4: of deposit, or you might have a whole heap of 363 00:15:08,440 --> 00:15:10,560 Speaker 4: equity for your next home. But I look at your 364 00:15:10,560 --> 00:15:12,160 Speaker 4: cash flow and I go, I'm really sorry. With the 365 00:15:12,160 --> 00:15:14,880 Speaker 4: income that you make, you can't service two loans and 366 00:15:14,920 --> 00:15:17,400 Speaker 4: the bank's not going to accept it. So for me, 367 00:15:17,680 --> 00:15:20,840 Speaker 4: it's a massive red flag that you're feeling a bit like, oh, 368 00:15:20,880 --> 00:15:23,080 Speaker 4: I really want to get a second opinion. I think 369 00:15:23,080 --> 00:15:25,680 Speaker 4: a second opinion is blame them. I don't blame them, Like, 370 00:15:25,760 --> 00:15:28,880 Speaker 4: I totally get that if you're not feeling your first broker, 371 00:15:29,400 --> 00:15:31,680 Speaker 4: then leaving them is a good idea. But you either 372 00:15:31,720 --> 00:15:34,240 Speaker 4: trust them or you do not, so go engage a 373 00:15:34,280 --> 00:15:37,120 Speaker 4: mortgage broker. I would one thousand percent recommend my own 374 00:15:37,160 --> 00:15:39,800 Speaker 4: business is Zella Money, because the girls. 375 00:15:39,440 --> 00:15:42,040 Speaker 2: There are not just going to do what you're. 376 00:15:41,880 --> 00:15:45,080 Speaker 4: Asking of them. They're going to deeply explain to you why. 377 00:15:45,360 --> 00:15:47,520 Speaker 4: So I think to me, the other red flag is 378 00:15:47,560 --> 00:15:49,840 Speaker 4: that you're kind of like, oh, the broker said it 379 00:15:49,880 --> 00:15:51,520 Speaker 4: was cash flow and there's nothing more we could do, 380 00:15:51,760 --> 00:15:54,360 Speaker 4: full stop, end of story. Yeah, Like, whereas with my team, 381 00:15:54,440 --> 00:15:56,080 Speaker 4: I know they would have gone above and beyond to 382 00:15:56,160 --> 00:15:59,080 Speaker 4: explain the intricacies of why that works and at what 383 00:15:59,120 --> 00:16:01,560 Speaker 4: point we could reconsider it and maybe you need more equity, 384 00:16:01,640 --> 00:16:03,720 Speaker 4: maybe you need more income, but you would know deeply 385 00:16:04,000 --> 00:16:06,960 Speaker 4: why they can't do it and why no other broker 386 00:16:07,000 --> 00:16:09,680 Speaker 4: could do it. So I think that communication piece is 387 00:16:09,720 --> 00:16:12,640 Speaker 4: missing with your current broker because you're questioning them right 388 00:16:13,120 --> 00:16:15,000 Speaker 4: when you go to another broker, No, they don't have 389 00:16:15,040 --> 00:16:16,200 Speaker 4: to refinance your next loan. 390 00:16:16,240 --> 00:16:18,200 Speaker 2: You could absolutely leave it with your first broker. 391 00:16:18,560 --> 00:16:21,280 Speaker 4: Your first broker is potentially going to know if they 392 00:16:21,320 --> 00:16:23,840 Speaker 4: looked into your file, because next time they go to 393 00:16:23,920 --> 00:16:26,080 Speaker 4: look into your credit, they're going to see other credit 394 00:16:26,120 --> 00:16:29,040 Speaker 4: inquiries from other banks and the broken company and what 395 00:16:29,080 --> 00:16:31,800 Speaker 4: that looks like. So no, you can't entirely hide it. 396 00:16:32,200 --> 00:16:34,520 Speaker 4: But I think also we need to have some conviction 397 00:16:34,600 --> 00:16:36,520 Speaker 4: in ourselves that if you're saying you wanted to seek 398 00:16:36,520 --> 00:16:39,240 Speaker 4: a second opinion, you should have conviction that you wanted 399 00:16:39,240 --> 00:16:39,800 Speaker 4: to seek. 400 00:16:39,560 --> 00:16:40,520 Speaker 2: A second opinion. Yeah. 401 00:16:40,600 --> 00:16:42,520 Speaker 4: If they go, oh, I see some more credit inquiries, 402 00:16:42,560 --> 00:16:44,520 Speaker 4: you go yeah, yeah. I was really frustrated with the 403 00:16:44,520 --> 00:16:46,800 Speaker 4: outcome because I really really wanted to buy an investment 404 00:16:46,840 --> 00:16:48,880 Speaker 4: property and you say cash flow was an issue, So 405 00:16:48,880 --> 00:16:51,960 Speaker 4: I got a second opinion. You're right, Greg, Like, you know, 406 00:16:52,360 --> 00:16:54,680 Speaker 4: cashlow was an issue. Every other broker couldn't do it. 407 00:16:54,720 --> 00:16:56,600 Speaker 4: So I'm back here, like, I don't think that's a 408 00:16:56,600 --> 00:16:59,880 Speaker 4: bad thing, but I definitely wouldn't be trying to be sneaky. 409 00:17:00,120 --> 00:17:02,000 Speaker 2: Yeah, particularly if there's a clawback. 410 00:17:02,240 --> 00:17:04,760 Speaker 4: Yes, so that's also a really good point if you 411 00:17:05,280 --> 00:17:08,119 Speaker 4: and it depends on the term of your loan. So 412 00:17:08,320 --> 00:17:11,640 Speaker 4: clawback is where so you don't pay your broker jest, 413 00:17:11,720 --> 00:17:14,280 Speaker 4: So your broker works for you individually for free. They 414 00:17:14,280 --> 00:17:16,719 Speaker 4: get paid by the bank, but the bank says, in 415 00:17:16,840 --> 00:17:20,320 Speaker 4: order to get paid by us, your client has to 416 00:17:20,320 --> 00:17:22,320 Speaker 4: stay with us for a minimum of twelve months. It 417 00:17:22,320 --> 00:17:24,560 Speaker 4: could be eighteen months, it could be two years. Just 418 00:17:24,640 --> 00:17:26,320 Speaker 4: that means if you leave your broker and go to 419 00:17:26,320 --> 00:17:28,679 Speaker 4: another broker and they refinance it during that what we 420 00:17:28,760 --> 00:17:31,720 Speaker 4: call a clawback period, the broker you originally worked with, 421 00:17:31,880 --> 00:17:34,000 Speaker 4: is going to get a letter from the bank saying, hey, 422 00:17:34,119 --> 00:17:36,080 Speaker 4: by the way, we're taking the money that you earned 423 00:17:36,119 --> 00:17:39,000 Speaker 4: away from you. And to me, that's not that ethical 424 00:17:39,040 --> 00:17:42,400 Speaker 4: because people should get paid for what they deserve. Also, 425 00:17:42,440 --> 00:17:44,119 Speaker 4: if you're not happy with that loan, you should be 426 00:17:44,119 --> 00:17:46,760 Speaker 4: talking to the broker first about fixing it. But also, 427 00:17:46,880 --> 00:17:49,119 Speaker 4: I don't mean to be rude. If you have a 428 00:17:49,160 --> 00:17:52,280 Speaker 4: loan that can be refinanced within the first twelve months 429 00:17:52,280 --> 00:17:55,000 Speaker 4: to another broker for a better deal, like your broker's 430 00:17:55,040 --> 00:17:57,320 Speaker 4: not looking after you in the first place. So I'd 431 00:17:57,359 --> 00:17:59,199 Speaker 4: just be like, we don't really see it in our 432 00:17:59,240 --> 00:18:02,200 Speaker 4: business because I think that our team and our clients 433 00:18:02,240 --> 00:18:04,520 Speaker 4: trust us, and also we're always trying to get the 434 00:18:04,560 --> 00:18:07,880 Speaker 4: best deal, Like we have reminders in our calendar every 435 00:18:07,920 --> 00:18:10,320 Speaker 4: twelve months to check on certain clients and make sure 436 00:18:10,320 --> 00:18:11,960 Speaker 4: that they're up to date with it and they're getting the 437 00:18:11,960 --> 00:18:14,480 Speaker 4: best interest rates. In all of that, like, your broker 438 00:18:15,000 --> 00:18:18,120 Speaker 4: is not a set and forget kind of relationship. From 439 00:18:18,160 --> 00:18:21,679 Speaker 4: my perspective, legally they can be set and forget. But 440 00:18:21,760 --> 00:18:23,639 Speaker 4: I think that the best type of brokers are the 441 00:18:23,640 --> 00:18:26,080 Speaker 4: ones that are like putting reminders in their calendar, going, 442 00:18:26,119 --> 00:18:28,800 Speaker 4: oh my gosh, jess is loan it'll expire on this date, 443 00:18:28,800 --> 00:18:31,240 Speaker 4: and the you know, set periods or do ABC, let 444 00:18:31,280 --> 00:18:33,359 Speaker 4: me do some research before then, So she's always in 445 00:18:33,400 --> 00:18:36,240 Speaker 4: the best possible position, Like your broker should be working hard. 446 00:18:36,480 --> 00:18:39,280 Speaker 2: Yeah, from my perspective, So yeah. 447 00:18:38,960 --> 00:18:42,440 Speaker 4: Like there are a few elements, elements that I go, oh, 448 00:18:42,560 --> 00:18:44,720 Speaker 4: that doesn't sit right with me. But ultimately, if you 449 00:18:44,760 --> 00:18:46,800 Speaker 4: want a second opinion, go and get one, but really 450 00:18:46,840 --> 00:18:48,879 Speaker 4: have conviction in why you want a second opinion and 451 00:18:48,920 --> 00:18:51,080 Speaker 4: maybe come to the realization that it's you not trusting 452 00:18:51,080 --> 00:18:51,919 Speaker 4: your broker to begin with. 453 00:18:52,240 --> 00:18:57,080 Speaker 2: Yeah, interesting rude for me. Maybe. Speaking of keeping secrets though, 454 00:18:57,240 --> 00:18:59,639 Speaker 2: this week's community DM has a little bit of it 455 00:19:00,160 --> 00:19:01,399 Speaker 2: secret plot in it doesn't that. 456 00:19:01,400 --> 00:19:03,679 Speaker 4: You are correct, Jessica, it's a little bit spicy. 457 00:19:03,840 --> 00:19:04,520 Speaker 5: Are you ready? 458 00:19:04,680 --> 00:19:06,240 Speaker 2: I strap yourselves in? 459 00:19:07,119 --> 00:19:12,320 Speaker 4: My fiance has a secret credit card. Crying face. It's 460 00:19:12,359 --> 00:19:15,119 Speaker 4: crying face emoji, hi ladies. On top of trying to 461 00:19:15,119 --> 00:19:17,240 Speaker 4: budget for a wedding, dealing with the cost of living, 462 00:19:17,320 --> 00:19:20,000 Speaker 4: and trying to get in a better financial position for 463 00:19:20,040 --> 00:19:23,040 Speaker 4: our future. My fiance's credit card statement came in the 464 00:19:23,080 --> 00:19:25,120 Speaker 4: mail and it showed us that we are in five 465 00:19:25,160 --> 00:19:28,440 Speaker 4: thousand dollars worth of personal debt, which he has maxed out. 466 00:19:28,480 --> 00:19:29,800 Speaker 2: And I didn't know about. 467 00:19:30,520 --> 00:19:33,760 Speaker 4: I went through the statement and it's many Apple subscriptions 468 00:19:33,760 --> 00:19:37,000 Speaker 4: and really silly little things we could have covered, but 469 00:19:37,160 --> 00:19:40,119 Speaker 4: it's just snowballed. And to add insult to injury, he 470 00:19:40,160 --> 00:19:42,800 Speaker 4: makes his fifty dollars minimum repayment, but that doesn't make 471 00:19:42,840 --> 00:19:45,639 Speaker 4: a dint in it. Do you have any advice on 472 00:19:45,720 --> 00:19:48,400 Speaker 4: how to navigate this. I feel defeated. I've got two 473 00:19:48,440 --> 00:19:50,760 Speaker 4: thousand dollars in savings I was going to put towards 474 00:19:50,880 --> 00:19:54,240 Speaker 4: essential tech upgrades, but that seems to be completely out 475 00:19:54,280 --> 00:19:54,800 Speaker 4: of the picture. 476 00:19:54,800 --> 00:19:58,200 Speaker 2: Now, Oh my gosh, that's awful. It's your fiance, so 477 00:19:58,320 --> 00:20:00,439 Speaker 2: you're going to be married, and I feel like it 478 00:20:00,480 --> 00:20:02,840 Speaker 2: is a very big secret to keep, and I don't 479 00:20:02,840 --> 00:20:04,880 Speaker 2: want to shame anyone for their debt. And I understand 480 00:20:04,920 --> 00:20:05,920 Speaker 2: that that we. 481 00:20:05,840 --> 00:20:08,520 Speaker 4: Should be talking openly and honestly about it, especially if 482 00:20:08,560 --> 00:20:10,600 Speaker 4: you've got shared big financial goals. 483 00:20:10,720 --> 00:20:13,920 Speaker 2: Well, it's interesting because I noted our listener said, I 484 00:20:14,080 --> 00:20:17,440 Speaker 2: found out that where in five thousand dollars a personal debt. 485 00:20:17,560 --> 00:20:19,760 Speaker 4: Like I kind of like the way she framed that, though, 486 00:20:19,800 --> 00:20:22,200 Speaker 4: because if Steve had that, I would immediately go, that's 487 00:20:22,240 --> 00:20:25,040 Speaker 4: an US problem, not the problem, because we're a team. 488 00:20:25,240 --> 00:20:27,480 Speaker 2: Yeah, so maybe it's that I do like, I do 489 00:20:27,520 --> 00:20:30,399 Speaker 2: really like it, but I also am very conscious of 490 00:20:30,440 --> 00:20:33,159 Speaker 2: the fact that that's what one thousand dollars is a 491 00:20:33,160 --> 00:20:35,040 Speaker 2: lot of money and a lot of debt to put 492 00:20:35,040 --> 00:20:37,440 Speaker 2: yourself in, and it's a bit concerning that the partner 493 00:20:37,680 --> 00:20:40,760 Speaker 2: is sounds like burying his head in the sand, paying 494 00:20:40,800 --> 00:20:44,000 Speaker 2: only minimum repayments, not being open about the fact that 495 00:20:44,040 --> 00:20:46,480 Speaker 2: he is in that debt. If that was me, like 496 00:20:46,520 --> 00:20:49,600 Speaker 2: if I found that out, bebit salty, I'd be real salty. 497 00:20:50,320 --> 00:20:52,720 Speaker 2: So so salty. And it's a hard one because you go, well, 498 00:20:53,040 --> 00:20:55,200 Speaker 2: how do I approach that because technically, like she has 499 00:20:55,240 --> 00:20:57,040 Speaker 2: opened his mail and obviously she said, you know, I've 500 00:20:57,040 --> 00:20:58,680 Speaker 2: got all these wedding things coming, and maybe she just 501 00:20:58,720 --> 00:21:01,160 Speaker 2: thought it was one of those but you don't wait 502 00:21:01,160 --> 00:21:03,320 Speaker 2: if I saw a statement come in for a credit card, 503 00:21:03,480 --> 00:21:05,280 Speaker 2: like I'm really sorry and no, you're not meant to 504 00:21:05,280 --> 00:21:07,280 Speaker 2: open other people's mail. I'd be straight in it. 505 00:21:07,400 --> 00:21:09,080 Speaker 4: I'd be like, oh, whoops, I was opening mine and 506 00:21:09,119 --> 00:21:11,080 Speaker 4: I accidentally opened to this one. Ha ha. 507 00:21:12,160 --> 00:21:14,800 Speaker 2: It wasn't an accident, Steven. Yeah, but it's like it's 508 00:21:14,800 --> 00:21:17,200 Speaker 2: a hard conversation to bring up, like, hey, by the way, 509 00:21:17,240 --> 00:21:18,199 Speaker 2: I know you've been lying to you. 510 00:21:18,280 --> 00:21:19,560 Speaker 5: So if you can lie to me, at. 511 00:21:19,560 --> 00:21:23,159 Speaker 4: Least turn off the mail coming like I get paper, 512 00:21:23,320 --> 00:21:25,800 Speaker 4: have your e statements sent to you be better at lying. 513 00:21:25,800 --> 00:21:27,920 Speaker 4: We asked the community, all right, Jess, So we said, 514 00:21:27,960 --> 00:21:29,800 Speaker 4: do you have a secret credit card that your partner 515 00:21:29,840 --> 00:21:32,879 Speaker 4: doesn't know about? Thankfully, ninety eight percent of you said no, 516 00:21:33,640 --> 00:21:36,720 Speaker 4: two percent of you said yes, two percent two percent. 517 00:21:37,320 --> 00:21:39,760 Speaker 4: We said, how would you feel if your partner had 518 00:21:39,760 --> 00:21:43,560 Speaker 4: a secret credit card? Sixty percent of you agreed with us, 519 00:21:43,640 --> 00:21:46,760 Speaker 4: We'd feel hurt that the trust had been broken. Thirty 520 00:21:46,800 --> 00:21:49,919 Speaker 4: seven percent said I'd only care if we shared our finances, 521 00:21:49,960 --> 00:21:53,000 Speaker 4: and three percent said wouldn't bother me at all. I 522 00:21:53,040 --> 00:21:55,520 Speaker 4: think that might change if you found out it was maxed. 523 00:21:55,280 --> 00:21:56,399 Speaker 2: Out credit card. Jess. 524 00:21:56,520 --> 00:22:00,399 Speaker 4: Yeah, having your credit card in general, it's fine. Fine 525 00:22:00,720 --> 00:22:02,800 Speaker 4: having a maxed out credit card where you are in 526 00:22:02,880 --> 00:22:06,480 Speaker 4: personal debt. Different story, especially for dumb stuff like dumb 527 00:22:06,560 --> 00:22:08,040 Speaker 4: little like app purchases. 528 00:22:08,040 --> 00:22:09,119 Speaker 2: But they do compound. 529 00:22:09,160 --> 00:22:12,280 Speaker 4: And that's where debt is a really slippery kind of 530 00:22:12,359 --> 00:22:15,040 Speaker 4: surface to be on. Right, And I've said before and 531 00:22:15,080 --> 00:22:17,960 Speaker 4: I'll preach again and again. Nobody gets a credit card 532 00:22:18,040 --> 00:22:21,960 Speaker 4: with the intention of going into debt. No one goes, 533 00:22:22,000 --> 00:22:23,760 Speaker 4: all right, well, Jess, I really want to go into 534 00:22:23,760 --> 00:22:25,560 Speaker 4: personal debt, so I think I'm going to apply for 535 00:22:25,560 --> 00:22:27,200 Speaker 4: a ten thousand dollar limit credit card. 536 00:22:27,440 --> 00:22:29,080 Speaker 2: Like you just don't do it. You and I have. 537 00:22:29,040 --> 00:22:31,639 Speaker 4: Both been in personal debt, and when you go into debt, 538 00:22:32,320 --> 00:22:35,520 Speaker 4: it feels like a necessity, like you're not going into 539 00:22:35,560 --> 00:22:36,199 Speaker 4: debt because you're like. 540 00:22:36,320 --> 00:22:37,879 Speaker 2: Yello, I'm just going to get a credit card and 541 00:22:37,920 --> 00:22:38,800 Speaker 2: I'm going to spend my. 542 00:22:38,760 --> 00:22:41,480 Speaker 4: Life away, like you're going into debt because life at 543 00:22:41,520 --> 00:22:43,840 Speaker 4: that point in time is challenging and you're you know, saying, 544 00:22:43,880 --> 00:22:46,200 Speaker 4: oh my gosh, like I have to move out, or 545 00:22:46,240 --> 00:22:47,800 Speaker 4: I have to do this, or I have to spend this. 546 00:22:47,960 --> 00:22:50,560 Speaker 4: Mine was just frivolous, like at the end of the day, 547 00:22:50,600 --> 00:22:51,680 Speaker 4: like it just compounded. 548 00:22:51,720 --> 00:22:52,240 Speaker 2: And it does. 549 00:22:52,720 --> 00:22:54,679 Speaker 4: But no one gets a credit card with the intention 550 00:22:54,760 --> 00:22:57,200 Speaker 4: to be in crippling personal debt. So I can guarantee 551 00:22:57,240 --> 00:22:59,640 Speaker 4: that your partner or your fiance feels really awful about 552 00:22:59,640 --> 00:23:01,480 Speaker 4: this too. So I think we need to make sure 553 00:23:01,480 --> 00:23:04,200 Speaker 4: that we're approaching this situation with the kindness it deserves. 554 00:23:04,600 --> 00:23:05,520 Speaker 2: And this, to me. 555 00:23:06,280 --> 00:23:11,040 Speaker 4: Is a fantastic opportunity in your relationship to extend that 556 00:23:11,240 --> 00:23:14,439 Speaker 4: kindness and practice set and go Okay, hey, this has 557 00:23:14,440 --> 00:23:16,560 Speaker 4: come up. How are we tackling this is a problem? 558 00:23:16,600 --> 00:23:17,400 Speaker 2: What does this mean? 559 00:23:17,480 --> 00:23:18,800 Speaker 4: How are you going to pay it off? Have you 560 00:23:18,880 --> 00:23:21,440 Speaker 4: thought about this? It's very very hard. 561 00:23:21,680 --> 00:23:22,040 Speaker 2: Yeah. 562 00:23:22,119 --> 00:23:25,199 Speaker 4: We also asked if you're in a relationship, do you 563 00:23:25,280 --> 00:23:28,920 Speaker 4: and your partnership finances it spassy. Sixty percent of you 564 00:23:28,960 --> 00:23:31,480 Speaker 4: said yes, some forty percent said no. Again, there is 565 00:23:31,520 --> 00:23:34,159 Speaker 4: no right or wrong way. I just really think this 566 00:23:34,280 --> 00:23:37,200 Speaker 4: is let's see it as an opportunity to grow closer 567 00:23:37,320 --> 00:23:40,239 Speaker 4: and you know, foster a bit more trust. So like 568 00:23:40,320 --> 00:23:42,320 Speaker 4: if you were in that situation, Jess, and we were 569 00:23:42,359 --> 00:23:45,200 Speaker 4: in a relationship, which we'd be real hot couple, yes, 570 00:23:45,240 --> 00:23:48,159 Speaker 4: so that would make sense. But if you came to 571 00:23:48,200 --> 00:23:50,159 Speaker 4: me and said I have a credit card statement or 572 00:23:50,160 --> 00:23:52,200 Speaker 4: I uncovered it, I think that's actually a really great 573 00:23:52,200 --> 00:23:53,760 Speaker 4: time to go, Hey, Jess, like, I think we need 574 00:23:53,800 --> 00:23:55,880 Speaker 4: to have a chat. How can we approach this with kindness, 575 00:23:55,960 --> 00:23:58,760 Speaker 4: because I promise yelling and screaming about it goes nowhere. 576 00:23:58,840 --> 00:24:02,159 Speaker 4: In fact, it's setting expectation that if there's anything to 577 00:24:02,240 --> 00:24:04,000 Speaker 4: hide from you in the future, they need to work 578 00:24:04,040 --> 00:24:05,600 Speaker 4: harder instead of being open with you. 579 00:24:05,720 --> 00:24:07,560 Speaker 2: Well, yeah, I feel like the bigger red flag for 580 00:24:07,600 --> 00:24:09,159 Speaker 2: me here than the credit card is the fact that 581 00:24:09,200 --> 00:24:10,160 Speaker 2: it was kept a secret. 582 00:24:10,320 --> 00:24:10,560 Speaker 1: Yeah. 583 00:24:10,680 --> 00:24:13,240 Speaker 4: No, I agree, I absolutely agree. And there's going to 584 00:24:13,240 --> 00:24:14,879 Speaker 4: be a reason they got it. They might have been like, oh, 585 00:24:14,880 --> 00:24:17,359 Speaker 4: I'm really overwhelmed with their finances, or I've had it 586 00:24:17,359 --> 00:24:19,119 Speaker 4: for years and it just never came up. There's going 587 00:24:19,160 --> 00:24:21,199 Speaker 4: to be a reason, right, And I think that it 588 00:24:21,320 --> 00:24:24,760 Speaker 4: tells you a lot about your relationship. We also asked 589 00:24:24,760 --> 00:24:27,120 Speaker 4: the community Jess as always, would you like. 590 00:24:27,080 --> 00:24:29,119 Speaker 2: To hear what they had to say? Absolutely so. 591 00:24:29,359 --> 00:24:32,600 Speaker 4: Someone said, this is really concerning for me? Is this habitual? 592 00:24:33,080 --> 00:24:33,960 Speaker 2: Yeah? Good question. 593 00:24:34,119 --> 00:24:37,440 Speaker 4: Someone else said, nothing wrong with having one if it's manageable, 594 00:24:37,760 --> 00:24:40,439 Speaker 4: But this seems really deliberate that he hid it from her, 595 00:24:41,040 --> 00:24:43,320 Speaker 4: which is true, and that's where I see the issues, 596 00:24:43,400 --> 00:24:45,159 Speaker 4: not how you want to start a marriage either. One 597 00:24:45,200 --> 00:24:47,560 Speaker 4: hundred percent, Like maybe you two desired to get a 598 00:24:47,560 --> 00:24:50,320 Speaker 4: credit card because you know stuff's tight. 599 00:24:50,560 --> 00:24:51,680 Speaker 2: Yeah, great, I get it. 600 00:24:52,080 --> 00:24:54,840 Speaker 4: But it's a joint decision, and a joint financial decision. 601 00:24:55,280 --> 00:24:57,920 Speaker 4: Someone said, I watched my parents deal with this back 602 00:24:57,960 --> 00:25:01,080 Speaker 4: and forth for years run it only gets worse. 603 00:25:01,240 --> 00:25:02,760 Speaker 2: Oh no, No, this. 604 00:25:02,840 --> 00:25:06,080 Speaker 4: Is an opportunity to set expectations in a relationship and 605 00:25:06,080 --> 00:25:09,280 Speaker 4: have beautiful, open, honest money conversations and you know what, 606 00:25:09,520 --> 00:25:11,919 Speaker 4: five thousand dollars to be on the right page. So 607 00:25:12,040 --> 00:25:12,719 Speaker 4: that's the money win. 608 00:25:12,800 --> 00:25:15,200 Speaker 2: It's an investment in your relationship done. 609 00:25:15,359 --> 00:25:18,159 Speaker 4: Someone said, credit card, No, it would be impacting your 610 00:25:18,200 --> 00:25:20,240 Speaker 4: borrowing if you're planning on purchasing your. 611 00:25:20,119 --> 00:25:21,119 Speaker 2: Property, which is true. 612 00:25:21,160 --> 00:25:23,359 Speaker 4: True would have come up at some point because you 613 00:25:23,400 --> 00:25:26,600 Speaker 4: can't hide lines of credit. You need to have a 614 00:25:26,640 --> 00:25:28,240 Speaker 4: secret emergency account though. 615 00:25:28,480 --> 00:25:30,560 Speaker 2: Yeah, anyone, everyone should. We've said that before. 616 00:25:30,600 --> 00:25:32,800 Speaker 4: A squirrel account is what I've been calling it recently, 617 00:25:32,800 --> 00:25:35,480 Speaker 4: because you squirrel money away like a little squirrel, and 618 00:25:35,480 --> 00:25:38,880 Speaker 4: then you forget about your nuts and then it's there, exactly, 619 00:25:38,920 --> 00:25:40,800 Speaker 4: it's there for a rainy day, like the squirrels in 620 00:25:40,840 --> 00:25:41,920 Speaker 4: Central Park in New York. 621 00:25:41,920 --> 00:25:43,120 Speaker 5: Because we were there last week. 622 00:25:43,800 --> 00:25:45,280 Speaker 2: So cute. By the way, did you know we went 623 00:25:45,320 --> 00:25:47,560 Speaker 2: to New York. Oh, I'm glad that we're all on 624 00:25:47,600 --> 00:25:49,280 Speaker 2: the same page. All right. 625 00:25:49,359 --> 00:25:51,919 Speaker 4: Someone said, I have recently found out that my partner 626 00:25:52,000 --> 00:25:55,080 Speaker 4: of four years has a secret gambling addiction and he 627 00:25:55,119 --> 00:25:57,240 Speaker 4: has been lying about his savings. 628 00:25:57,480 --> 00:26:00,520 Speaker 2: Oh that's so awful. It's a deal breaker for me. Fair. 629 00:26:00,560 --> 00:26:03,240 Speaker 4: Also, thanks for sharing that, because that's big. Someone said, 630 00:26:03,280 --> 00:26:05,520 Speaker 4: it's not the credit card, it's actually the secrecy that's 631 00:26:05,560 --> 00:26:07,640 Speaker 4: the problem. It's okay to need one, but you need 632 00:26:07,680 --> 00:26:09,760 Speaker 4: to be talking about it. Your debts are shared once 633 00:26:09,800 --> 00:26:10,480 Speaker 4: you get married. 634 00:26:10,920 --> 00:26:11,960 Speaker 2: And someone said. 635 00:26:11,840 --> 00:26:14,800 Speaker 4: It's his secret love, so it's his problem to deal with, 636 00:26:14,920 --> 00:26:18,960 Speaker 4: not yours. I'm raven a hard price. Yeah, I'm rocking 637 00:26:18,960 --> 00:26:20,960 Speaker 4: a hard place. I just think it's an opportunity for 638 00:26:21,000 --> 00:26:24,720 Speaker 4: more open, honest money conversations. Like we all go through things, 639 00:26:24,760 --> 00:26:27,000 Speaker 4: we all end up in this situation where we find 640 00:26:27,040 --> 00:26:29,240 Speaker 4: ourselves in a financial pickle and we feel like we 641 00:26:29,359 --> 00:26:32,680 Speaker 4: might need to pick something else up. So I just, yeah, 642 00:26:33,040 --> 00:26:35,480 Speaker 4: I feel like this is an opportunity for kindness. Yeah, 643 00:26:35,480 --> 00:26:37,000 Speaker 4: should you be lying? No, you need to have a 644 00:26:37,040 --> 00:26:41,120 Speaker 4: chat about that too. Awkward conversation. Absolutely not acceptable to lie. 645 00:26:41,320 --> 00:26:43,119 Speaker 2: But I think you're right, Like, if you have the 646 00:26:43,160 --> 00:26:47,600 Speaker 2: conversation and if you set those expectations, it's an opportunity 647 00:26:47,880 --> 00:26:51,720 Speaker 2: potentially to really deepen your relationship with each other, to 648 00:26:51,840 --> 00:26:54,280 Speaker 2: reaffirm that you do approach things as a team, to 649 00:26:54,320 --> 00:26:56,520 Speaker 2: reaffirm that you do do them with kindness, and that 650 00:26:57,040 --> 00:26:59,719 Speaker 2: you are there to support each other. Because maybe that's 651 00:26:59,760 --> 00:27:02,679 Speaker 2: why was kept a secret, because your partner was embarrassed 652 00:27:02,760 --> 00:27:04,439 Speaker 2: or unsure of how you'd react or something like that. 653 00:27:04,560 --> 00:27:08,639 Speaker 2: So yeah, hopefully it's an opportunity to strengthen you, guys, 654 00:27:08,840 --> 00:27:10,919 Speaker 2: rather than something that's going to pull you apart. 655 00:27:11,000 --> 00:27:13,600 Speaker 4: I agree, And I also think it's important to see 656 00:27:13,600 --> 00:27:16,920 Speaker 4: that there is in a relationship a different between secrets 657 00:27:16,960 --> 00:27:18,600 Speaker 4: and things that might not have come up because you're 658 00:27:18,600 --> 00:27:21,159 Speaker 4: not comfortable yet. So like when I got into a 659 00:27:21,200 --> 00:27:23,680 Speaker 4: relationship with Steve, I was in personal debt. I had 660 00:27:23,680 --> 00:27:26,760 Speaker 4: not told him yet because I was so deeply ashamed 661 00:27:26,880 --> 00:27:29,359 Speaker 4: of the debt that I carried, I was so worried 662 00:27:29,359 --> 00:27:32,240 Speaker 4: about his judgments on me. It actually wasn't me trying 663 00:27:32,280 --> 00:27:34,840 Speaker 4: to keep secrets. Yeah, Like I wasn't out having an 664 00:27:34,840 --> 00:27:37,320 Speaker 4: affair trying to you know, keep that under wraps, And 665 00:27:37,359 --> 00:27:39,479 Speaker 4: like I was definitely hiding it. I was just so 666 00:27:39,600 --> 00:27:42,600 Speaker 4: deeply ashamed of the death that I was carrying, and finally, 667 00:27:42,640 --> 00:27:44,600 Speaker 4: when I felt comfortable, I shared it and he's like, oh, 668 00:27:44,600 --> 00:27:47,240 Speaker 4: that's fine. And the way he approached it has meant 669 00:27:47,240 --> 00:27:50,879 Speaker 4: that our relationship I feel very comfortable in. If I 670 00:27:50,920 --> 00:27:52,720 Speaker 4: ever have anything to share, I know that day he's 671 00:27:52,760 --> 00:27:54,200 Speaker 4: not going to judge me. I mean, that's why he's 672 00:27:54,240 --> 00:27:56,960 Speaker 4: my husband. Now. I feel very comfortable with this human being. 673 00:27:57,320 --> 00:27:59,240 Speaker 4: And I think that that's why I'm saying it's a 674 00:27:59,280 --> 00:28:03,200 Speaker 4: really big learning opportunity for the two of you, because again, 675 00:28:03,280 --> 00:28:05,439 Speaker 4: I think we need to remember that this could be 676 00:28:05,480 --> 00:28:08,439 Speaker 4: one of the hardest things that he has carried, because 677 00:28:08,480 --> 00:28:11,520 Speaker 4: for me it was too so like, don't approach it 678 00:28:11,520 --> 00:28:13,600 Speaker 4: with like I can't believe you didn't tell me because 679 00:28:13,600 --> 00:28:14,800 Speaker 4: they're going to be sitting on the other side of 680 00:28:14,800 --> 00:28:16,320 Speaker 4: the table, being like I didn't know how to bring 681 00:28:16,359 --> 00:28:18,200 Speaker 4: it up. It made me feel sick. I've lost sleep 682 00:28:18,240 --> 00:28:21,000 Speaker 4: over this. I would lay awake at night next to you, 683 00:28:21,080 --> 00:28:23,280 Speaker 4: going is he going to end the relationship with me 684 00:28:23,320 --> 00:28:25,520 Speaker 4: because I'm in debt and I, you know, look like 685 00:28:25,560 --> 00:28:28,000 Speaker 4: I have my stuff together from the outside in Yeah, 686 00:28:28,000 --> 00:28:30,400 Speaker 4: so I think it's there's two sides to this coin, 687 00:28:30,480 --> 00:28:32,000 Speaker 4: and you need to see both so that you can 688 00:28:32,040 --> 00:28:35,359 Speaker 4: have a very honest conversation. And if it goes well, 689 00:28:35,400 --> 00:28:37,680 Speaker 4: it will only put your relationship in a better position. 690 00:28:37,800 --> 00:28:39,160 Speaker 2: Come back and let us know how it goes. I'm 691 00:28:39,160 --> 00:28:42,240 Speaker 2: super interested. I know, all right, Jess. It is Friday. 692 00:28:42,560 --> 00:28:46,800 Speaker 4: Tomorrow is Saturday, and we are going to a Halloween 693 00:28:46,840 --> 00:28:50,760 Speaker 4: parade in New Orleans, so we better go get our costumes. 694 00:28:50,840 --> 00:28:54,480 Speaker 4: I am so excited about this. Sorry that you're not here, 695 00:28:54,560 --> 00:28:57,760 Speaker 4: my friends, but you are living vicariously through us. And 696 00:28:57,760 --> 00:29:00,480 Speaker 4: if you're following, if you're following us, if you're not 697 00:29:00,520 --> 00:29:05,400 Speaker 4: following us, unlucky. Follow Jess Ricky on Instagram, Victoria Underscore, 698 00:29:05,440 --> 00:29:07,920 Speaker 4: Divine and She's on the Money aus So if you 699 00:29:07,960 --> 00:29:09,920 Speaker 4: don't want to go type in all of those usernames, 700 00:29:09,960 --> 00:29:11,400 Speaker 4: just go to She's on the money because we tag 701 00:29:11,440 --> 00:29:12,360 Speaker 4: the hell out of ourselves. 702 00:29:12,360 --> 00:29:14,240 Speaker 2: Anyway, have the best. 703 00:29:14,000 --> 00:29:16,320 Speaker 5: Weekend, but not as good a weekend as us at. 704 00:29:16,280 --> 00:29:17,080 Speaker 2: The Halloween parade. 705 00:29:17,160 --> 00:29:26,560 Speaker 4: Love you bye by The advice shared on She's on 706 00:29:26,600 --> 00:29:29,320 Speaker 4: the Money is general in nature and does not consider 707 00:29:29,320 --> 00:29:33,240 Speaker 4: your individual circumstances. 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