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Speaker 1: Radio.

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Speaker 2: She's on the Money Radio Show.

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Speaker 3: With Victoria Divine starts now.

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Speaker 4: Hello and welcome to the She's on the Money Radio

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Speaker 4: Show podcast, the radio show podcast for millennials who want

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Speaker 4: financial freedom.

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Speaker 5: Hello, I'm excited this week with Ditch Miitchchury, million dollar,

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Speaker 5: Mitch is out, billion dollar Byron is In, Barron Cook,

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Speaker 5: welcome to the pod.

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Speaker 3: Thank you.

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Speaker 1: Also one of the DJs here, part of the Kiss Network.

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Speaker 1: And I believe I have about as much of a

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Speaker 1: financial qualification as Mitch does, which is.

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Speaker 6: Bugger basically nothing.

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Speaker 2: Not a very high bar at all. Mast was low.

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Speaker 6: You sleep straight in.

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Speaker 2: Hey.

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Speaker 4: We had some really interesting stuff on the show this

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Speaker 4: week because we usually are a little bit safe.

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Speaker 6: But you mean safe safe, well.

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Speaker 2: I mean we had we had a well, I don't

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Speaker 2: want to say a sex worker.

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Speaker 6: Because we did well that's exactly what goes, all.

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Speaker 4: Right, if you want to go there, that's fine. So

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Speaker 4: we had Renee Gracie, who is one of Australia's leading

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Speaker 4: only fans models making how much money.

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Speaker 5: I'm not going to tell you yet. You'll have to

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Speaker 5: listen for that, but I definitely ask her you do.

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Speaker 1: And that's what I found it extraordinary because you know,

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Speaker 1: I thought we might just tiptoe around it all and

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Speaker 1: old mate over here, she just goes straight in, how

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Speaker 1: much money are you making?

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Speaker 7: All right?

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Speaker 2: Not enough?

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Speaker 6: That's who I am. She's on the money.

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Speaker 5: I ask people what they make each and every single week,

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Speaker 5: and we shouldn't be shamed about it. In fact, it

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Speaker 5: can be inspiring, it can be enlightening. It can actually

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Speaker 5: make a lot of sense, right because you see people

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Speaker 5: on social media and you're like, Wow, they've got a

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Speaker 5: nice house and they've just done a pool.

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Speaker 6: I wonder what.

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Speaker 5: They're they're earning, and actually is really constructive to know

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Speaker 5: that different areas pay different amounts and this is what

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Speaker 5: this person is making and how it works. But also

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Speaker 5: the thing that I found really interesting with Renee was

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Speaker 5: like she's.

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Speaker 6: Like, I know that this is not forever.

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Speaker 5: So she's trying to make hay while the sun is shining,

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Speaker 5: which a lot of women in the sex work industry

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Speaker 5: are doing as well. So you best believe they're really

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Speaker 5: good at investing, they're really good with their money.

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Speaker 1: And not that anyone would stop now they're going to

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Speaker 1: listen to the whole podcast, but sure he keep listening

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Speaker 1: because she actually answers the question, and I can't believe

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Speaker 1: what the answer was.

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Speaker 5: What Byron actually resigned from his role here at Kiss

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Speaker 5: and now he's on the role.

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Speaker 1: I just came back to do this intro, but in

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Speaker 1: the middle of this show will walk out when I

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Speaker 1: find out how.

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Speaker 2: Much she makes Fantastic.

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Speaker 4: Wow, that is I can't believe the foresight that you

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Speaker 4: have in the future telling right here. I feel though, Okay,

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Speaker 4: we didn't talk about this in here because we all

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Speaker 4: we wanted to keep it about money. But for me personally,

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Speaker 4: and I don't know about you, Born, is that if

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Speaker 4: a partner goes and does only fans, is that a

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Speaker 4: deal break a few because it definitely is for me.

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Speaker 1: For me to talk about relationships, I have even less

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Speaker 1: authority on relationships than I do with money. We don't

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Speaker 1: even want to start with that.

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Speaker 6: I reckon about communication and consent.

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Speaker 5: My friend is acceptable in one relationship might be wildly

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Speaker 5: unacceptable in another.

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Speaker 6: And to be honest, it's up to you exactly.

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Speaker 4: And you know what is acceptable saving money, because we

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Speaker 4: actually had some really great saving now accepting.

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Speaker 5: How good steps are saving money, it's a good piece

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Speaker 5: of news.

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Speaker 6: You've been doing it for a while am I going

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Speaker 6: to be in trouble?

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Speaker 4: Yeah, you are, because not only are you going to

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Speaker 4: tell somebody how they can upsize their house where they're

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Speaker 4: living in a little box with.

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Speaker 2: Six was it six kids?

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Speaker 3: It was four four six, very small.

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Speaker 6: House in a tiny home, she said.

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Speaker 2: Which might have had to do with the only I'm

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Speaker 2: not even going to do.

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Speaker 5: You are going to end up in the bin this

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Speaker 5: week if you're going to come for sex workers.

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Speaker 4: May I'm not coming for sex workers. People are free

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Speaker 4: to do whatever they want. I'm just saying it's not

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Speaker 4: my thing.

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Speaker 6: Let's get into the show.

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Speaker 2: No, you were going to save us how much money?

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Speaker 6: I'm going to save you a heap of money.

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Speaker 5: I'm going to save you fifty percent on your groceries,

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Speaker 5: and I'm also going to tell you exactly how much

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Speaker 5: money you can save by using.

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Speaker 6: The first time Super Savis scheme. I wouldn't go anywhere.

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Speaker 4: If I were you, even if you did want to

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Speaker 4: go somewhere, that's your prerogative. Your business is your business.

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Speaker 4: But I hope you don't because it's a great show.

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Speaker 4: And she's on The Money radio show starts right now. Yeah,

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Speaker 4: for your Saturday morning. She's on the Money radio show

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Speaker 4: with Australia's number one finance podcaster and also bookseller. Right

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Speaker 4: now Victoria Fine number one in our hearts.

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Speaker 1: And five in the country in the country, number one

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Speaker 1: in her category.

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Speaker 2: Yeah, well the.

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Speaker 5: Byron Cook but also billion Dollar Byron as we've now

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Speaker 5: decided to call him.

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Speaker 4: Yeah, he's sitting in here filling in for Mitchtury and

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Speaker 4: right now, guys, we are talking about side hustles, how

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Speaker 4: you can make some serious coins.

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Speaker 5: So it's been a pretty hot topic in our community recently,

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Speaker 5: and that is Only Fans, and I think it's become

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Speaker 5: a pretty hot topic because I've had a few of

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Speaker 5: my clients on the show recently and as you guys know,

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Speaker 5: financial advisor who gives legit financial advice, and a lot

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Speaker 5: of these women are making bank and want somebody who

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Speaker 5: just gets money to actually help them along because they

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Speaker 5: get content.

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Speaker 6: I'm telling you, they get content.

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Speaker 5: So, for those of you who haven't heard, OnlyFans is

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Speaker 5: basically an online platform and app. It was established in

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Speaker 5: twenty sixteen with the intention of people being able to

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Speaker 5: share photos and videos for a subscription, so people subscribe,

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Speaker 5: but then once you're subscribed, you can also request custom

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Speaker 5: made content, and a lot of people are now using

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Speaker 5: it to create adult content and for that they are

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Speaker 5: making absolute banks. So this week we are joined by

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Speaker 5: Renee Gracie, who ex Supercar fan Trav You're going to

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Speaker 5: love her, but also absolute star on OnlyFans. Renee, Welcome

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Speaker 5: to the show.

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Speaker 7: Hi guy, Thanks for having me.

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Speaker 5: No, of course we want to talk about it because

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Speaker 5: we know it's very lucrative, but I also feel like

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Speaker 5: it's very not known. At the same time, it's also

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Speaker 5: shrouded with judgment, which it absolutely shouldn't be.

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Speaker 6: So we want to know how did you begin this

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Speaker 6: side hustle.

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Speaker 7: I had no idea it was going to turn out

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Speaker 7: to what it turned out too. I had just moved

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Speaker 7: back from Melbourne. I had left not a spoort, I

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Speaker 7: had nothing else to do. My sister and I were

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Speaker 7: looking at starting a business together. Let's just do something

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Speaker 7: for ourselves, not work nine to five for other people.

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Speaker 7: I had no money, spent all my money trying to

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Speaker 7: open this up, and I thought, God, I would just

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Speaker 7: love like another thousand bucks a week or a little

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Speaker 7: bit of extra money until our business actually starts making money.

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Speaker 7: And I had a few girlfriends who are like you

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Speaker 7: should really get on OnlyFans. I had a few fans

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Speaker 7: that were messaging me and I thought, you know what,

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Speaker 7: I'm just going to do it, and yeah, I started

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Speaker 7: my a couple of days later and it's been history

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Speaker 7: ever since.

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Speaker 1: Basically, Renee, would you agree that having a profile you're

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Speaker 1: a V eight supercar driver and that brings with it

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Speaker 1: some profile We've seen other onlyfan success stories who may

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Speaker 1: have been on a reality TV show. Just that gives

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Speaker 1: you sort of that position. Do you think that gave

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Speaker 1: you an edge?

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Speaker 7: Yes, definitely. I was very fortunate when I started. I

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Speaker 7: knew that my race fans were quite loyal, so I

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Speaker 7: knew that they would support me no matter what I did.

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Speaker 7: They followed me even though I wasn't racing, So I

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Speaker 7: felt confident in doing that and I knew that that

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Speaker 7: fan base was going to be there. Knowing that I

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Speaker 7: had that support system in the beginning is probably what

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Speaker 7: maybe do it. And I definitely think if you're known

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Speaker 7: and have a good following base, it really does make

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Speaker 7: it easy to get those subscribers. Then growing from there

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Speaker 7: and having people come on your page and those fans

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Speaker 7: going to their friends, Hey have you seen this person?

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Speaker 7: Have you seen this girl, you should subscribe her. That's

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Speaker 7: how you then grow from there. But definitely having a

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Speaker 7: base of fans who follow you and support you. It's

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Speaker 7: sort of lucretive for only fans.

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Speaker 4: So you were saying that obviously it wasn't planned and

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Speaker 4: it's actually grown into something that you never thought it

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Speaker 4: could do. So what is the plan, Renee, Like, where

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Speaker 4: do you want to go from this? What kind of

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Speaker 4: money are you thinking of making? And how are you

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Speaker 4: going to I suppose grow your career but also your

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Speaker 4: life around that.

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Speaker 7: Honestly, I still every day. In November, it'll be three

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Speaker 7: years I've been on OnlyFans, and I still get shocked

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Speaker 7: that I'm still in this position. Ever since I've started it,

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Speaker 7: it's almost been too good to be true. So I've

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Speaker 7: been setting myself up from day dot when the money

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Speaker 7: started rolling in, to know that this will eventually fall

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Speaker 7: off and it's not going to be forever. But I

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Speaker 7: think because I have that mindset and that mentality, I

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Speaker 7: think it set me up to be comfortable knowing that

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Speaker 7: it will end one day, but it just hasn't, which

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Speaker 7: is great. So I have all these exit plans and

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Speaker 7: then I just keep going and my page keeps growing,

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Speaker 7: and I travel overseas and now I have it overseas audience.

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Speaker 7: So I feel like for me, i've really in the

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Speaker 7: last year or two years, the content is my passion.

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Speaker 7: I love doing the content. I love making videos. I

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Speaker 7: love taking photos of myself. I love taking photos as

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Speaker 7: other girls, collaborating, traveling around the world to create content.

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Speaker 7: And I feel like that's a passion of mine that

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Speaker 7: I've sort of stumbled into across this Only Fans journey,

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Speaker 7: and I don't think that's ever going to stop. I

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Speaker 7: think it's something that I want to do for as

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Speaker 7: long as as far as I can see. I want

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Speaker 7: to travel around the world, take amazing photos, take amazing

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Speaker 7: videos in beautiful locations, and sell them online. I want

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Speaker 7: to do that forever.

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Speaker 6: Basically, I adore that.

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Speaker 5: I feel like you sound so passionate, and as someone

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Speaker 5: who has been watching you, I hope in a not

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Speaker 5: a weird way watching you from the sidelines, I'm one

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Speaker 5: of your TikTok followers. I feel like you're one of

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Speaker 5: the more authentic girls in the industry.

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Speaker 4: Hey, we've got to take a quick break here, Renee

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Speaker 4: Gracie from Only Fans. If you don't mind sticking around

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Speaker 4: for a little bit. And Victoria, I know there's a

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Speaker 4: question you want to ask her. You haven't asked it yet.

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Speaker 4: Come a wait, I want you to do it straight

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Speaker 4: after this.

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Speaker 3: Oh, this is a.

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Speaker 6: Money radio show.

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Speaker 5: I'm going to be asking her how much she makes

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Speaker 5: and low key off the record, I reckon it's going

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Speaker 5: to be in the six figure.

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Speaker 3: Around Oh my god.

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Speaker 5: Yeah, like you're going to retire from radio, my friend,

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Speaker 5: You're going to become actual billion dollar virus.

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Speaker 3: So we're actually going to ask that after this.

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Speaker 6: Yeah, actually going to ask her how much money do

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Speaker 6: you make? Otherwise, why are you coming on my show?

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Speaker 2: Stick around? What are you going to do that? Next?

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Speaker 2: You might hang up? Hopefully she doesn't stay right for me,

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Speaker 2: she sticks around. Victoria. If people have just tuned in,

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Speaker 2: tell them what we've been up to.

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Speaker 6: We've been chatting to Renee.

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Speaker 5: She is an absolute hustler on the platform only fans

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Speaker 5: if you haven't heard of it before. It's an online

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Speaker 5: platform and app that was established in twenty sixteen where

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Speaker 5: people can pay for content, photos, videos, live streams for

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Speaker 5: a monthly membership, and they can also request custom content.

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Speaker 5: Renee has been making bank on this, but I want

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Speaker 5: to go back to it. You said something before which

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Speaker 5: I think a lot of people think about this type

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Speaker 5: of content, and that's that it's not going to last forever.

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Speaker 5: And I talk to all my clients doing this, I'm like,

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Speaker 5: what's the game plan? Are we starting another business? Are

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Speaker 5: we investing? Are we creating wealth in the future. I

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Speaker 5: know you have a beautiful home that you are currently

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Speaker 5: investing in, but are you investing in it any other way?

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Speaker 7: Property is my side hustle. That's where I put my

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Speaker 7: money into an invest I've done other businesses, but I

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Speaker 7: just dealing with customers and stuff like that. Quite honestly,

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Speaker 7: it's not my thing. I'm just too much of a hothead.

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Speaker 7: I don't have patience. I like being in control more so,

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Speaker 7: I've discovered sort of me being in control of my

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Speaker 7: own content and how I make my money now is

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Speaker 7: exactly how it needs to be. So for me, it's

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Speaker 7: the property side of things. It is like my ultimate goal.

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Speaker 7: I've got investment properties at the moment, the plan to

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Speaker 7: potentially develop and build properties. That's sort of how I

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Speaker 7: see my future going. I've done a little dabble in

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Speaker 7: the building side of things with this home that I've

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Speaker 7: been at the moment and invested in building a pool

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Speaker 7: area and increasing the value of my property. And it's

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Speaker 7: a weird addiction for me because I love like building,

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Speaker 7: DIY being creative. I think that's a part of the

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Speaker 7: content side where I'm so passionate about it. So I'll

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Speaker 7: see a bathroom and be like, that's a really nice bathroom.

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Speaker 7: Going to take a photo of this because I want

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Speaker 7: to make this bathroom in a house that I buy

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Speaker 7: in the future or something like that. So I love

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Speaker 7: for me, that's my goal.

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Speaker 5: Yeah, I feel like you are so switched on, and

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Speaker 5: I think that this is such a misconception about the

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Speaker 5: industry that you work in, that everyone might be a

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Speaker 5: little bit airy fairy, Whereas I find that my clients

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Speaker 5: and the girls that I know that do only fans,

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Speaker 5: they know what they're doing. They are making bank and

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Speaker 5: putting future them in the best possible position, and I'm honestly,

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Speaker 5: I'm always so shocked and proud of them because I'm like,

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Speaker 5: get it.

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Speaker 7: Yeah, it's one of those things, the stigma that comes

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Speaker 7: with the sex industry obviously, but a lot of girls

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Speaker 7: I've found I've done coaching and stuff as well for

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Speaker 7: girls on only fans, and most of them are in

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Speaker 7: the sex industry, whether they're you know, sex workers, maybe

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Speaker 7: they just work at a bar, at strip club, whatever

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Speaker 7: it is, but they're studying seeing people. The money is great.

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Speaker 7: Most of these girls are trying to better themselves that

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Speaker 7: most of them want to be nurses or buy a

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Speaker 7: house or do something for their kids. And most of

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Speaker 7: them understand that what they're doing is giving them enough

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Speaker 7: money to get to where they want to be. So

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Speaker 7: they're all quite intelligent and smart in how they're using

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Speaker 7: the money that they have because they also know that

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Speaker 7: they're not going to be a striper forever. They're not

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Speaker 7: going to be in the sex industry forever, because there

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Speaker 7: will be time a time where they're forty, fifty, sixty

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Speaker 7: years old and they don't want to be in it anymore. Yeah,

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Speaker 7: and a lot of them have that in the front

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Speaker 7: of mind when they're working, which actually for them to

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Speaker 7: be quite intelligent, smart and strategic with what they do

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Speaker 7: with their money and how they set themselves up.

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Speaker 6: Yeah, one hundred percent.

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Speaker 5: I mean, it's the oldest industry in the entire world,

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Speaker 5: and at the end of the day, sex work is

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Speaker 5: real work. It is real money and it is not

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Speaker 5: an easy thing to do, so I applaud you for

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Speaker 5: being so passionate about it.

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Speaker 2: Thank you, and Renee.

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Speaker 4: If you ever want to buy yourself an F one team,

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Speaker 4: I would make an amazing team principle, So just keep

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Speaker 4: that in mind, you shameless.

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Speaker 7: I hasn't been out of my budget at the moment,

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Speaker 7: but at.

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Speaker 5: That moment I like the optimism. Renee, perfect question. But

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Speaker 5: this is at the end of the day a money

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Speaker 5: radio show. I want to know how much money are

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Speaker 5: you making.

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Speaker 7: I'm clearing safely over one hundred thousand dollars a month.

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Speaker 3: Holy moly.

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Speaker 1: Well, and I'd just like to announce I've retired from

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Speaker 1: Kiss and I'm getting into only fans guys.

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Speaker 3: So you, guys, so you have a.

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Speaker 2: Good time, good life.

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Speaker 6: Billion dollar Byron.

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Speaker 4: I've seen what he's got to offer, and it's not

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Speaker 4: worth one hundred grand a month.

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Speaker 2: I'll give you.

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Speaker 5: Oh well, Renee, maybe can coach him a little bit.

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Speaker 4: Hey, Thank you so much Renee for jumping on the

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Speaker 4: line with us this morning, right here, and she's on

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Speaker 4: the Money radio show.

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Speaker 7: Thank you so much, guys, thanks for having me.

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Speaker 4: And look, if OnlyFans isn't an option for you. But

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Speaker 4: you still got yourself a money dilemma. You need a

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Speaker 4: little bit of a helping hands. You can hit us

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Speaker 4: up anytime, just search. She's on the Money on Socials.

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Speaker 4: This week we've got Claire who wants to know this.

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Speaker 1: Byron, Oh, her house is bursting at the seams, Victoria,

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Speaker 1: I mean this is extraordinary.

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Speaker 6: For it a problem you can resonate with is.

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Speaker 3: Well, No, it's not as a bachelor who lives alone.

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Speaker 1: Thanks for reminding me, Billy, you dollar mansion a tiny

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Speaker 1: home for Claire with a husband and four very young kids.

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Speaker 1: Now there's a situation she finds herself in. She desperately

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Speaker 1: needs your help.

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Speaker 4: We'll get to that next right here on she's on

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Speaker 4: the Money radio show.

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Speaker 2: This is She's on the Money radio show.

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Speaker 6: We've got a money dilemma, don't we track?

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Speaker 3: Let's do this not their slogan.

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Speaker 4: Yeah, each week we bring somebody's financial story on her

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Speaker 4: to give Victoria's advice on what they should do. Now Byron,

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Speaker 4: Clara centers a DM which you can do at any time.

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Speaker 2: Just search. She's on the Money on Socials.

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Speaker 1: Yeah, she says, hi, v I live in a tiny home.

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Speaker 1: With my husband and four very young children. The kids

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Speaker 1: share a bedroom. We have one bathroom, victoria, no playroom,

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Speaker 1: no space. I feel like we're bursting at the seams

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Speaker 1: in kastrophobic. The thing is, we'll have this house's mortgage

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Speaker 1: paid off in six years time, We'll still be young,

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Speaker 1: and we can look at investment opportunities.

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Speaker 7: Then.

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Speaker 1: Now, if we were to renovate or buy a larger

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Speaker 1: family home, which clearly they want to they need the space,

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Speaker 1: we would then have a mortgage of one to one

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Speaker 1: point one million. I'm not sure I can stick out

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Speaker 1: the six years. I don't want the kids to be

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Speaker 1: too old to enjoy our dream home. Do we buy

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Speaker 1: at the bullet and live our dream now and put

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Speaker 1: ourselves in more debt? Or do we just suck it

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Speaker 1: up and say, all right, we're sacrificing our sanity and happiness.

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Speaker 3: Or is there another way? It's an interesting one.

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Speaker 5: There's one thousand percent another way, and the other way

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Speaker 5: is to either talk to a financial advisor or a

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Speaker 5: mortgage broker. I just feel like this is worthy of

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Speaker 5: a bigger conversation, because if you're going to pay off

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Speaker 5: your mortgage in six years time, that might be your

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Speaker 5: number one priority and your absolute value. But if you

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Speaker 5: talk to a mortgage broker about the equity that's currently

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Speaker 5: in your property, you might be able to leverage it

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Speaker 5: up so that you can buy another property. You might

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Speaker 5: go into more debt, but you could maybe rent out

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Speaker 5: the one that you have and end up in the

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Speaker 5: long term in a better, more secure financial position. But

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Speaker 5: it's all about the strategy in planning. You don't want

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Speaker 5: to sit down and just go, oh, my gosh, the

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Speaker 5: debt is the biggest problem, because we know there's good

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Speaker 5: debt and then there's bad debt. Good debt is the

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Speaker 5: type of debt that creates wealth for us. It means

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Speaker 5: that once it's paid off, we're in a better financial

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Speaker 5: position because of it, and bad debt is consumer debt

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Speaker 5: like credit cards or things that actually put us in

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Speaker 5: a less profitable and less good position, where at the

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Speaker 5: end of the day, once a debt's paid off, we're

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Speaker 5: left with nothing. So what type of debt is this

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Speaker 5: and what type of goals do you have for wealth

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Speaker 5: creation in the future, and how do we actually make

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Speaker 5: it all fit together so that you live the life

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Speaker 5: that you deserve now but also put yourself in the

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Speaker 5: best financial position in the.

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Speaker 1: Future right because the kids, and she said, like an

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Speaker 1: incredible mum and very committed, you would hope that you

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Speaker 1: could try and live in a situation that wasn't like this,

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Speaker 1: because you don't want the kids to look back on

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Speaker 1: their childhood as here, I shared a room with my

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Speaker 1: two brothers and life was tough, Like if there's a

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Speaker 1: way to change this, you'd want to try and find it,

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Speaker 1: wouldn't You.

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Speaker 5: Think it's about just putting yourself in the best possible position.

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Speaker 5: I mean, there's a lot of privilege in already owning

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Speaker 5: your own property. That is definitely a dream that doesn't

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Speaker 5: come true for every single Australian. But it's all about, well,

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Speaker 5: what options do we have out there? Another option if

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Speaker 5: you don't want to go into one to one point

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Speaker 5: one million dollars.

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Speaker 6: Worth of debt, is rent vesting an option for you.

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Speaker 5: That's where we buy a property rented out in a

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Speaker 5: position or in a location that maybe you don't want

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Speaker 5: to live at the moment, go and rent a property,

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Speaker 5: but the income that you gain from renting out your

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Speaker 5: property pays your rent in another location, while you still

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Speaker 5: spash down your mortgage and you end up in a

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Speaker 5: very good position long term. So it's just what do

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Speaker 5: you want to do when it comes to the bigger picture,

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Speaker 5: and sometimes you need some professional help to get you there.

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Speaker 4: And I also think that people have the wrong way around.

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Speaker 4: They think they need to buy a place and live

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Speaker 4: in that place, where no, you can go and buy

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00:17:05,160 --> 00:17:07,399
Speaker 4: that investment property, live the life that you want to

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00:17:07,520 --> 00:17:09,480
Speaker 4: and then before you know it, you could actually buy

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Speaker 4: the place that you've been renting, or a place that's

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Speaker 4: in the same area you've been renting.

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Speaker 5: And I'd argue, let's be honest, little financial advisor hat

444
00:17:16,119 --> 00:17:19,159
Speaker 5: on here, if you're saying that you can service another

445
00:17:19,200 --> 00:17:21,640
Speaker 5: mortgage of one to one point one million dollars, you're

446
00:17:21,640 --> 00:17:25,600
Speaker 5: probably in a pretty okay financial position, and advice would

447
00:17:25,640 --> 00:17:28,200
Speaker 5: be a really good idea because let's make the most

448
00:17:28,200 --> 00:17:30,440
Speaker 5: of that instead of guessing and hoping and making sure

449
00:17:30,480 --> 00:17:31,000
Speaker 5: it works.

450
00:17:31,280 --> 00:17:34,240
Speaker 6: Financial advice, honestly, I know it can be quite.

451
00:17:34,119 --> 00:17:36,879
Speaker 5: Cost prohibitive for a lot of people, but it puts

452
00:17:36,920 --> 00:17:37,879
Speaker 5: you in such.

453
00:17:37,600 --> 00:17:38,680
Speaker 6: A better position.

454
00:17:39,080 --> 00:17:40,760
Speaker 5: You could put your clients in a position where they

455
00:17:40,760 --> 00:17:43,880
Speaker 5: literally have millions of dollars worth of money because of you,

456
00:17:44,280 --> 00:17:46,280
Speaker 5: and your fees are at what three to six thousand

457
00:17:46,320 --> 00:17:48,280
Speaker 5: dollars or if you see a mortgage broker, they don't

458
00:17:48,320 --> 00:17:49,520
Speaker 5: even charge you money.

459
00:17:49,320 --> 00:17:52,400
Speaker 4: Win money. When she's done it again by why she's

460
00:17:52,440 --> 00:17:53,160
Speaker 4: a subtle.

461
00:17:52,880 --> 00:17:57,240
Speaker 5: Plug for Zella Money, my financial advice and broken company subtlereack.

462
00:17:57,400 --> 00:17:59,440
Speaker 6: Yeah, I'm as subtle as a bull in a china shop.

463
00:17:59,600 --> 00:18:00,000
Speaker 7: All right.

464
00:18:00,119 --> 00:18:02,760
Speaker 4: If you've got a question on how Zella Money can

465
00:18:02,800 --> 00:18:05,120
Speaker 4: work for you, know how we can help you right

466
00:18:05,200 --> 00:18:07,199
Speaker 4: here at She's on the money. All you got to

467
00:18:07,200 --> 00:18:10,240
Speaker 4: do just search us on socials anywhere. We'll get another

468
00:18:10,280 --> 00:18:10,800
Speaker 4: question next.

469
00:18:10,800 --> 00:18:13,359
Speaker 5: So she's on the money literally on any platform or

470
00:18:13,480 --> 00:18:15,040
Speaker 5: Zelo Journey, whichever one's after here.

471
00:18:15,119 --> 00:18:17,400
Speaker 4: All right, mate, it's time for you to do some work.

472
00:18:17,880 --> 00:18:20,560
Speaker 4: Super Savi Saturday coming up next. We want to know

473
00:18:20,640 --> 00:18:23,480
Speaker 4: what super saving tips you've got in your little back pocket.

474
00:18:23,480 --> 00:18:23,880
Speaker 3: Divine.

475
00:18:23,920 --> 00:18:26,920
Speaker 5: It is my favorite time of the week, which obviously

476
00:18:26,960 --> 00:18:28,280
Speaker 5: at this point in time.

477
00:18:28,119 --> 00:18:31,240
Speaker 6: If you'll just got really expensive, I'm over it. I'm

478
00:18:31,240 --> 00:18:33,280
Speaker 6: over it. We need to save more money together.

479
00:18:33,680 --> 00:18:35,040
Speaker 3: Super Save a Saturday.

480
00:18:35,320 --> 00:18:37,520
Speaker 4: Yeah, every single week, Victoria, you give us a little

481
00:18:37,520 --> 00:18:39,520
Speaker 4: bit of sneaky tips on how we can keep more

482
00:18:39,560 --> 00:18:41,120
Speaker 4: money in our bank accounts.

483
00:18:41,359 --> 00:18:43,840
Speaker 5: I pretend to so far, so good though, and this

484
00:18:43,960 --> 00:18:46,760
Speaker 5: week I've got one for you about groceries. But before

485
00:18:46,760 --> 00:18:48,200
Speaker 5: we get there, I'm going to talk about the first

486
00:18:48,240 --> 00:18:51,159
Speaker 5: time super Savis scheme, which is an absolute mouthful. If

487
00:18:51,200 --> 00:18:53,199
Speaker 5: you say it that quickly, you will yeah, thank you,

488
00:18:53,240 --> 00:18:55,439
Speaker 5: thank you. I've been saying it for a really long time,

489
00:18:55,920 --> 00:18:58,800
Speaker 5: but recently my community people have been asking about it,

490
00:18:58,840 --> 00:19:00,439
Speaker 5: so I thought that we'd put it in as a

491
00:19:00,480 --> 00:19:03,040
Speaker 5: tip because you can actually be in a much better

492
00:19:03,080 --> 00:19:06,240
Speaker 5: financial position because of it. So when it comes to

493
00:19:06,280 --> 00:19:09,960
Speaker 5: purchasing your first home, everybody in Australia that has a

494
00:19:10,000 --> 00:19:13,679
Speaker 5: supranuation fund has access to this scheme. And basically what

495
00:19:13,720 --> 00:19:16,720
Speaker 5: it means is that you can make voluntary contributions, which

496
00:19:16,800 --> 00:19:19,280
Speaker 5: sounds a bit lame, but basically voluntary is where you

497
00:19:19,440 --> 00:19:24,439
Speaker 5: volunteer to make additional contributions to your superranuation and this

498
00:19:24,560 --> 00:19:27,280
Speaker 5: helps you save for your first home. So I've said

499
00:19:27,320 --> 00:19:30,000
Speaker 5: it on my podcast before, but I believe that supranuation

500
00:19:30,359 --> 00:19:32,959
Speaker 5: or the system of superannuation is the closest thing that

501
00:19:33,040 --> 00:19:35,480
Speaker 5: you can come to in Australia as a tax haven.

502
00:19:35,600 --> 00:19:38,440
Speaker 5: So basically what this means is you can contribute up

503
00:19:38,440 --> 00:19:40,560
Speaker 5: to fifteen thousand dollars each.

504
00:19:40,400 --> 00:19:41,760
Speaker 6: And every single financial year.

505
00:19:41,800 --> 00:19:44,320
Speaker 5: To this scheme, you basically just dump it into your

506
00:19:44,320 --> 00:19:49,240
Speaker 5: superranuation up to a total of fifty thousand dollars money win.

507
00:19:49,600 --> 00:19:52,760
Speaker 5: And that means that the tax rate inside super is

508
00:19:52,840 --> 00:19:55,640
Speaker 5: used instead of your marginal tax rate. So let's say

509
00:19:55,720 --> 00:19:58,119
Speaker 5: TRAV you have a tax rate of thirty two and

510
00:19:58,119 --> 00:20:00,760
Speaker 5: a half percent each and every single year, which most

511
00:20:00,800 --> 00:20:02,960
Speaker 5: Australians do before super.

512
00:20:03,080 --> 00:20:04,359
Speaker 6: If you put fifteen.

513
00:20:04,000 --> 00:20:06,680
Speaker 5: Thousand dollars into your bank account at thirty two and

514
00:20:06,720 --> 00:20:09,119
Speaker 5: a half percent tax, it means that you would have

515
00:20:09,440 --> 00:20:13,320
Speaker 5: after tax ten thousand, one hundred and twenty five dollars. Okay,

516
00:20:13,440 --> 00:20:16,160
Speaker 5: that makes sense before tax. If you decide to put

517
00:20:16,200 --> 00:20:19,399
Speaker 5: it into your first home super savor scheme, fifteen grand

518
00:20:19,560 --> 00:20:23,879
Speaker 5: at a fifteen percent superranuation rate becomes twelve thousand, seven

519
00:20:24,000 --> 00:20:28,080
Speaker 5: hundred and fifty dollars more than twenty seven hundred dollars

520
00:20:28,160 --> 00:20:31,320
Speaker 5: just by using this scheme, and if we extrapolate that out,

521
00:20:31,960 --> 00:20:34,320
Speaker 5: means that if you go up to the cap of

522
00:20:34,560 --> 00:20:37,199
Speaker 5: fifty thousand dollars, so over a few years you've been

523
00:20:37,240 --> 00:20:40,359
Speaker 5: saving for your first home, you are thirteen thousand, seven

524
00:20:40,440 --> 00:20:43,360
Speaker 5: hundred and fifty dollars better off by using this system

525
00:20:43,440 --> 00:20:43,880
Speaker 5: free money.

526
00:20:43,960 --> 00:20:46,119
Speaker 3: Can can you ask your payrolls?

527
00:20:46,240 --> 00:20:46,440
Speaker 2: Yep?

528
00:20:46,480 --> 00:20:48,520
Speaker 1: Can they make those contributions for you? You literally just

529
00:20:48,560 --> 00:20:49,919
Speaker 1: say to them, can you put extra inpluce?

530
00:20:50,000 --> 00:20:50,200
Speaker 7: Yes?

531
00:20:50,240 --> 00:20:52,720
Speaker 5: Absolutely, you can ask payroll or you can wait until

532
00:20:52,760 --> 00:20:55,040
Speaker 5: you've got money in your savings and you're comfortable to

533
00:20:55,080 --> 00:20:57,520
Speaker 5: pop it into super so it can have already come

534
00:20:57,520 --> 00:20:59,440
Speaker 5: to your bank account. You can already have been paid

535
00:20:59,440 --> 00:21:02,239
Speaker 5: it because you can actually just choose to transfer it.

536
00:21:02,280 --> 00:21:04,600
Speaker 5: You can just be pay it so easy straight to

537
00:21:04,640 --> 00:21:06,879
Speaker 5: your super fund. It means that you will get the

538
00:21:06,920 --> 00:21:09,280
Speaker 5: tax back at tax time because you've obviously already paid it.

539
00:21:09,280 --> 00:21:11,000
Speaker 5: But it all comes out in the wash, and in

540
00:21:11,000 --> 00:21:13,440
Speaker 5: the wash you end up in a far better financial position.

541
00:21:13,520 --> 00:21:15,160
Speaker 6: So that is my first hot tip.

542
00:21:15,280 --> 00:21:19,240
Speaker 4: Well, okay, you have a big shoe to fuel right there,

543
00:21:19,400 --> 00:21:19,960
Speaker 4: fir and cook?

544
00:21:20,119 --> 00:21:22,280
Speaker 2: What what you got is your second tip?

545
00:21:23,200 --> 00:21:24,960
Speaker 5: Like, I got a sandwich fifty percent off because I

546
00:21:24,960 --> 00:21:25,760
Speaker 5: bought it at three pm?

547
00:21:25,800 --> 00:21:29,000
Speaker 3: Okay, okay, remember who the guest is here? Please?

548
00:21:29,119 --> 00:21:32,640
Speaker 1: No, I know we're in sort of the realm of supermarkets, okay.

549
00:21:32,359 --> 00:21:34,080
Speaker 6: And I know it's supermarkets.

550
00:21:34,119 --> 00:21:36,600
Speaker 1: There is this popular half price app with up to

551
00:21:36,680 --> 00:21:39,400
Speaker 1: date specials for your favorite Ossie supermarkets, so you're literally

552
00:21:39,440 --> 00:21:40,560
Speaker 1: getting stuff for half price.

553
00:21:40,720 --> 00:21:43,200
Speaker 2: Yeah legit, Oh yeah, half price app. I use this one.

554
00:21:43,240 --> 00:21:46,480
Speaker 4: So basically it shows you every supermarket, Willis, Coles, you

555
00:21:46,600 --> 00:21:49,840
Speaker 4: name it, and everything that's fifty percent off install that week.

556
00:21:49,880 --> 00:21:53,720
Speaker 1: Absolutely, I mean, let's be very transparent about this. I'm

557
00:21:53,760 --> 00:21:55,840
Speaker 1: literally just reading this off a sheet that Victoria gave me.

558
00:21:56,000 --> 00:21:56,840
Speaker 6: Yeah, you're welcome.

559
00:21:57,040 --> 00:21:59,439
Speaker 1: But if I knew where to find that app right now,

560
00:21:59,440 --> 00:22:00,800
Speaker 1: which try to make you would be a store.

561
00:22:00,880 --> 00:22:02,480
Speaker 3: Yeah great? And so do you literally just type in

562
00:22:02,520 --> 00:22:03,919
Speaker 3: tolf fction half.

563
00:22:03,680 --> 00:22:05,800
Speaker 6: Price app to your apps to download that app.

564
00:22:05,880 --> 00:22:07,960
Speaker 5: And the cool thing is gorne of the days of

565
00:22:08,040 --> 00:22:10,720
Speaker 5: you going to your mailbox, getting all the catalogs, going

566
00:22:10,760 --> 00:22:11,679
Speaker 5: through it seeing.

567
00:22:11,440 --> 00:22:12,360
Speaker 6: What's on special.

568
00:22:12,600 --> 00:22:14,679
Speaker 5: All of the supermarkets are on one app, so you

569
00:22:14,720 --> 00:22:17,000
Speaker 5: just scroll through, workout where everything is the cheapest, and

570
00:22:17,000 --> 00:22:17,920
Speaker 5: then go shopping.

571
00:22:18,080 --> 00:22:19,960
Speaker 4: I used to be a pamphlet deliver I used to

572
00:22:19,960 --> 00:22:22,280
Speaker 4: get ten bucks per week delivering those pamphlets.

573
00:22:22,320 --> 00:22:24,480
Speaker 6: Hey that's a really good deal for the person who

574
00:22:24,520 --> 00:22:25,400
Speaker 6: wanted the pamphlets.

575
00:22:27,000 --> 00:22:28,560
Speaker 1: Now that is a great app, and I would just

576
00:22:28,600 --> 00:22:31,440
Speaker 1: say this is an additional supermarket tip. So I put

577
00:22:31,440 --> 00:22:34,440
Speaker 1: this in as two A it's like an addendum, use

578
00:22:34,520 --> 00:22:38,480
Speaker 1: avocado for everything. Seriously, avocados are still so cheap. I've

579
00:22:38,520 --> 00:22:40,800
Speaker 1: been making so much guak you wouldn't believe it.

580
00:22:40,880 --> 00:22:43,400
Speaker 3: Guys, that's a good tip. Genuinely, they are so cheap.

581
00:22:43,400 --> 00:22:45,919
Speaker 1: They're about a dollar seventy depending where you are in Australia,

582
00:22:45,960 --> 00:22:47,880
Speaker 1: and they're ripe, and they're delicious, and there is still

583
00:22:47,880 --> 00:22:49,120
Speaker 1: an oversupply of avocado.

584
00:22:49,280 --> 00:22:51,600
Speaker 3: Google avocado recipes and cash in.

585
00:22:51,680 --> 00:22:55,560
Speaker 5: Billon dollar Byron brought to you by Avocados Australia.

586
00:22:55,600 --> 00:22:56,440
Speaker 2: The hell are you talking?

587
00:22:56,600 --> 00:22:57,480
Speaker 3: Oh?

588
00:22:57,640 --> 00:22:58,840
Speaker 6: He thinks is so funny.

589
00:22:58,920 --> 00:23:00,399
Speaker 5: Do you know what he would have spent all of

590
00:23:00,400 --> 00:23:02,200
Speaker 5: that time that you were talking thinking up.

591
00:23:02,119 --> 00:23:03,480
Speaker 4: That now going to a better one will be the

592
00:23:03,560 --> 00:23:06,000
Speaker 4: jest that I was going to walk into the station today,

593
00:23:06,240 --> 00:23:07,040
Speaker 4: but I have.

594
00:23:07,040 --> 00:23:08,680
Speaker 3: A CARDO have a car.

595
00:23:10,320 --> 00:23:11,840
Speaker 2: On that though. We've got to get out of here.

596
00:23:11,920 --> 00:23:14,720
Speaker 4: But Victoria, you're going to be at the Tivley tonight

597
00:23:14,800 --> 00:23:15,320
Speaker 4: in Brisbane.

598
00:23:15,359 --> 00:23:19,320
Speaker 5: You can still get hicks come say hi, I wait around. Honestly,

599
00:23:19,680 --> 00:23:21,960
Speaker 5: I will be there until the last person leaves.

600
00:23:22,000 --> 00:23:22,200
Speaker 7: Good.

601
00:23:22,200 --> 00:23:24,400
Speaker 1: Probably have when you're number one in your category, number

602
00:23:24,440 --> 00:23:25,240
Speaker 1: five in Australia.

603
00:23:25,359 --> 00:23:26,800
Speaker 6: Yeah, good from us.

604
00:23:26,760 --> 00:23:29,120
Speaker 5: All right up next, you've got million dollar Mitch back.

605
00:23:29,160 --> 00:23:31,320
Speaker 5: Don't worry, he'll be back next week. The lauron't have

606
00:23:31,400 --> 00:23:33,360
Speaker 5: to put up with billion dollar Byron for too long.

607
00:23:33,480 --> 00:23:36,560
Speaker 6: Jeezu, slide into my dam you.

608
00:23:36,600 --> 00:23:38,280
Speaker 3: I've given you the avocado.

609
00:23:37,840 --> 00:23:40,080
Speaker 6: Tip tip was elite, all.

610
00:23:40,119 --> 00:23:40,520
Speaker 3: Right, thank you.

611
00:23:40,600 --> 00:23:43,040
Speaker 4: The Life One Cut Show Laura BYRN Brett Hockley that

612
00:23:43,160 --> 00:23:43,960
Speaker 4: is coming up next.

613
00:23:43,960 --> 00:23:44,920
Speaker 2: We'll see you next week, guys,