1 00:00:00,200 --> 00:00:02,000 Speaker 1: She's on the Money. 2 00:00:02,160 --> 00:00:19,440 Speaker 2: She's on the Money. 3 00:00:23,200 --> 00:00:26,120 Speaker 3: Hello, and welcome to She's on the Money, the podcast 4 00:00:26,160 --> 00:00:30,280 Speaker 3: for millennials who want financial freedom. My name is Tony Lodge, 5 00:00:30,320 --> 00:00:32,960 Speaker 3: and joining me for another shot back money diary is 6 00:00:33,080 --> 00:00:35,440 Speaker 3: financial advisor Victoria Devine. 7 00:00:35,520 --> 00:00:39,760 Speaker 4: Tony Lodge, Welcome back to another money diary, which I'm 8 00:00:39,880 --> 00:00:42,960 Speaker 4: very excited for. You've been hyping this one up for 9 00:00:43,000 --> 00:00:43,680 Speaker 4: a little. 10 00:00:43,479 --> 00:00:45,720 Speaker 5: While, like I always do. 11 00:00:45,920 --> 00:00:48,280 Speaker 4: I feel like you always pick the good money diaries 12 00:00:48,440 --> 00:00:52,159 Speaker 4: and also props to you for doing the inbox for that. 13 00:00:52,240 --> 00:00:56,040 Speaker 4: I know it is a massive undertaking. Thank you so 14 00:00:56,200 --> 00:01:00,800 Speaker 4: much reading, but you get all the pervy insights to community, 15 00:01:00,880 --> 00:01:03,000 Speaker 4: even the ones that maybe don't make the show. 16 00:01:03,280 --> 00:01:05,440 Speaker 3: Uh huh yeah, and there are a lot, and all 17 00:01:05,480 --> 00:01:08,759 Speaker 3: of them are amazing. Unfortunately we can't get back to everybody, 18 00:01:08,800 --> 00:01:11,000 Speaker 3: but if you do have a great money story, we'd 19 00:01:11,040 --> 00:01:13,640 Speaker 3: love for you to email through on podcast at She's 20 00:01:13,680 --> 00:01:14,720 Speaker 3: ondomoney dot com dot you. 21 00:01:15,040 --> 00:01:18,840 Speaker 4: We absolutely would, so, without further ado, Tony Lodge, could 22 00:01:18,880 --> 00:01:21,560 Speaker 4: you read out this week's money diarists email to me? 23 00:01:21,840 --> 00:01:22,679 Speaker 5: All Right, here we go. 24 00:01:23,240 --> 00:01:26,080 Speaker 3: My parents got married at nineteen and twenty had me 25 00:01:26,160 --> 00:01:29,480 Speaker 3: at twenty two and twenty three. And were studying accounting 26 00:01:29,520 --> 00:01:32,160 Speaker 3: and law. They had built and owned a very successful 27 00:01:32,160 --> 00:01:35,120 Speaker 3: accounting practice that made us a nice few million. My 28 00:01:35,240 --> 00:01:38,480 Speaker 3: parents worked hard around the clock and deserved every dollar. 29 00:01:38,920 --> 00:01:42,360 Speaker 3: After a few unfortunate business decisions, the business was sold, 30 00:01:42,680 --> 00:01:45,679 Speaker 3: our mortgage was paid off, but we had little disposable cash. 31 00:01:45,920 --> 00:01:48,000 Speaker 3: My mom, while working with my dad, never took a 32 00:01:48,040 --> 00:01:52,360 Speaker 3: wage or had her super paid. Amazingly, she secretly saved 33 00:01:52,400 --> 00:01:55,640 Speaker 3: up over one hundred thousand dollars over there eighteen years together. 34 00:01:56,000 --> 00:01:59,480 Speaker 3: Chan you out to PLUSA and put a deposit on 35 00:01:59,520 --> 00:02:02,200 Speaker 3: our new home home. We had no white goods or furniture, 36 00:02:02,240 --> 00:02:05,160 Speaker 3: but we had a roof over our heads. Things escalated 37 00:02:05,200 --> 00:02:07,880 Speaker 3: between my parents and I moved out at almost seventeen 38 00:02:08,440 --> 00:02:11,920 Speaker 3: after dealing with a drug addiction, domestic abuse, and related 39 00:02:11,960 --> 00:02:15,440 Speaker 3: mental health illnesses. I moved across the state, bought a 40 00:02:15,520 --> 00:02:18,240 Speaker 3: nineteen seventy two caravan on an empty block of land, 41 00:02:18,320 --> 00:02:21,160 Speaker 3: and scored a full time management role, but had no 42 00:02:21,280 --> 00:02:25,040 Speaker 3: access to amenities. I found myself having to sell my 43 00:02:25,120 --> 00:02:27,480 Speaker 3: caravan and spend the night in my car sleeping next 44 00:02:27,480 --> 00:02:30,280 Speaker 3: to my two pets. I took out my entire super 45 00:02:30,360 --> 00:02:32,840 Speaker 3: to pay off some debt and moved across the state again. 46 00:02:33,440 --> 00:02:36,040 Speaker 3: From there, I met my future forever soulmate, who had 47 00:02:36,080 --> 00:02:39,000 Speaker 3: come from a similar money story. Now I run a 48 00:02:39,040 --> 00:02:42,200 Speaker 3: business and work for an agency, both in the NDIS sector, 49 00:02:42,280 --> 00:02:45,160 Speaker 3: earning anywhere from one thousand to three thousand dollars a 50 00:02:45,400 --> 00:02:49,680 Speaker 3: week for attacks, and I know the importance of super 51 00:02:49,760 --> 00:02:50,919 Speaker 3: Thanks to she's on the money. 52 00:02:51,400 --> 00:02:52,120 Speaker 4: What a queen. 53 00:02:53,040 --> 00:02:55,000 Speaker 3: While we haven't been able to get into the housing 54 00:02:55,040 --> 00:02:57,680 Speaker 3: market yet, fate had its way and blessed us with 55 00:02:57,760 --> 00:03:01,000 Speaker 3: not a home loan, but a long awaited baby. Thanks 56 00:03:01,000 --> 00:03:03,320 Speaker 3: to you, we're on our way to financial freedom. 57 00:03:03,600 --> 00:03:05,359 Speaker 1: Oh my gosh, what a story. 58 00:03:06,280 --> 00:03:08,919 Speaker 2: It takes a rest, but it's very good. 59 00:03:09,280 --> 00:03:13,240 Speaker 4: I did not see any of that coming. Congratulations for 60 00:03:13,360 --> 00:03:16,720 Speaker 4: going through all of that, and also welcome to the show. 61 00:03:17,320 --> 00:03:19,720 Speaker 1: Thank you. I am so excited to be able to 62 00:03:19,720 --> 00:03:20,160 Speaker 1: share this. 63 00:03:20,720 --> 00:03:23,440 Speaker 3: Oh my god, thank you so much for sharing your story, 64 00:03:23,480 --> 00:03:27,040 Speaker 3: because it sounds like you've been through a lot. 65 00:03:27,200 --> 00:03:30,520 Speaker 4: So much like you're one of those I can already 66 00:03:30,560 --> 00:03:33,400 Speaker 4: tell you're one of those people that are really old souls, 67 00:03:33,440 --> 00:03:36,520 Speaker 4: Like we're talking just before this episode started recording, and 68 00:03:36,560 --> 00:03:38,400 Speaker 4: I was like, she's an old soul, And now it 69 00:03:38,520 --> 00:03:41,480 Speaker 4: just makes sense that you've been on such a wild journey. 70 00:03:42,320 --> 00:03:45,560 Speaker 4: Let's jump straight into the questions that we usually ask 71 00:03:45,600 --> 00:03:47,440 Speaker 4: our money Doris, and then we can get into the 72 00:03:47,440 --> 00:03:49,600 Speaker 4: purvy stuff a little bit later, and I can ask 73 00:03:49,640 --> 00:03:54,240 Speaker 4: about your baby. So first things first, what is your 74 00:03:54,360 --> 00:03:55,920 Speaker 4: attitude towards money? 75 00:03:56,720 --> 00:03:59,400 Speaker 1: I love money, I definitely. 76 00:04:00,560 --> 00:04:04,320 Speaker 5: I think that's the most honest answer we've ever had. Yeah, 77 00:04:04,360 --> 00:04:05,000 Speaker 5: I love it. 78 00:04:05,280 --> 00:04:06,240 Speaker 1: I love buddy. 79 00:04:07,120 --> 00:04:12,800 Speaker 6: It's true. It's not so much like I enjoy being 80 00:04:12,840 --> 00:04:18,040 Speaker 6: able to put I guess a value on the work 81 00:04:18,120 --> 00:04:22,960 Speaker 6: that I do and feel that financially like doing what 82 00:04:23,000 --> 00:04:25,080 Speaker 6: I love, Like I love my job. I love my business, 83 00:04:25,920 --> 00:04:28,680 Speaker 6: and I've had that before, but it's not financially been 84 00:04:28,960 --> 00:04:32,520 Speaker 6: something that I can sort of continue. So I'm so 85 00:04:32,520 --> 00:04:34,479 Speaker 6: so privileged to be able to do a job that 86 00:04:34,520 --> 00:04:38,960 Speaker 6: I love and be able to survive on the money, like. 87 00:04:39,520 --> 00:04:40,280 Speaker 1: More than survive. 88 00:04:41,520 --> 00:04:46,000 Speaker 6: So I it's been really positive, Like obviously, from going 89 00:04:46,040 --> 00:04:50,440 Speaker 6: to having everything to having nothing, like when my parents 90 00:04:50,520 --> 00:04:52,520 Speaker 6: split up, that's when mum bought the house. 91 00:04:52,760 --> 00:04:55,560 Speaker 4: And okay, that makes sense. I did have questions about 92 00:04:55,560 --> 00:04:57,200 Speaker 4: that because I was like, yeah, it doesn't it make 93 00:04:57,240 --> 00:04:59,600 Speaker 4: a lot of sense why she would have stashed some 94 00:04:59,680 --> 00:05:02,200 Speaker 4: cash and then brought another house for both of them, 95 00:05:02,200 --> 00:05:04,080 Speaker 4: but that makes more sense. 96 00:05:04,560 --> 00:05:05,800 Speaker 1: Yeah, so they split up. 97 00:05:05,880 --> 00:05:08,240 Speaker 6: I think I was about thirteen or fourteen, and then 98 00:05:08,600 --> 00:05:12,560 Speaker 6: obviously divorced a while later. So that's where Mum and 99 00:05:12,560 --> 00:05:14,480 Speaker 6: I moved into that home and we had nothing, and 100 00:05:14,520 --> 00:05:18,440 Speaker 6: so I spent my last like thirty two dollars on 101 00:05:18,720 --> 00:05:20,599 Speaker 6: some gourmet pizzas for me and Mum and we just 102 00:05:20,640 --> 00:05:21,040 Speaker 6: sat in. 103 00:05:21,000 --> 00:05:22,360 Speaker 1: The house on the floor. 104 00:05:23,560 --> 00:05:26,520 Speaker 6: And yeah, and like I've always like said growing up, 105 00:05:26,600 --> 00:05:29,040 Speaker 6: you know, trying to comfort my mom. She did an 106 00:05:29,040 --> 00:05:31,880 Speaker 6: amazing job as like after they split up, but trying 107 00:05:31,920 --> 00:05:34,320 Speaker 6: to comfort her that, like, you know, I have when 108 00:05:34,360 --> 00:05:37,000 Speaker 6: I think of positive and happy memories, I think of that, 109 00:05:37,080 --> 00:05:39,039 Speaker 6: Like that's the first thing I think of, having no 110 00:05:39,160 --> 00:05:42,720 Speaker 6: money on the floor with like a lambsu blaky pizza. 111 00:05:43,160 --> 00:05:43,919 Speaker 1: That's it, you know. 112 00:05:45,080 --> 00:05:48,240 Speaker 6: So yeah, I mean it's it's it's it's always been positive, 113 00:05:48,360 --> 00:05:50,640 Speaker 6: like regardless of how much or how little we've had, 114 00:05:50,680 --> 00:05:51,640 Speaker 6: it's always been positive. 115 00:05:51,760 --> 00:05:56,120 Speaker 4: That's so special. All right, next question for you, I 116 00:05:56,360 --> 00:05:58,279 Speaker 4: really want to know the answer to this one. What 117 00:05:58,320 --> 00:05:59,920 Speaker 4: do you do for work? And we kind of know 118 00:06:00,080 --> 00:06:01,320 Speaker 4: that how much money do you earn? 119 00:06:02,360 --> 00:06:06,960 Speaker 6: So I'm a support worker. So I work with in 120 00:06:07,000 --> 00:06:10,800 Speaker 6: the disability and mental health sector. I work with an 121 00:06:10,839 --> 00:06:15,479 Speaker 6: agency who employs me and obviously pays me. And then 122 00:06:15,800 --> 00:06:18,680 Speaker 6: I was working with a lot of high risk clients 123 00:06:18,839 --> 00:06:21,760 Speaker 6: both to me, like risk to me and risk the public. 124 00:06:21,839 --> 00:06:24,840 Speaker 6: So when I got pregnant, they basically said, like, we're 125 00:06:24,839 --> 00:06:27,520 Speaker 6: not letting me work with them. So I have a 126 00:06:27,560 --> 00:06:28,920 Speaker 6: couple that I. 127 00:06:28,839 --> 00:06:30,360 Speaker 1: Still work with that are sort of low risk. 128 00:06:30,400 --> 00:06:33,919 Speaker 6: But that's when I needed to shift into something that 129 00:06:33,960 --> 00:06:37,200 Speaker 6: I was able to sort of manage myself. So I 130 00:06:37,279 --> 00:06:40,479 Speaker 6: opened up a small business. It's just me and I 131 00:06:40,560 --> 00:06:43,240 Speaker 6: kind of just do like a one stop shop for 132 00:06:43,640 --> 00:06:48,920 Speaker 6: NDIS participants, so like gardening, cooking, cleaning, support, work, transport. Yeah, 133 00:06:49,000 --> 00:06:51,119 Speaker 6: and so I think all up, I have like maybe 134 00:06:51,120 --> 00:06:53,640 Speaker 6: seven or eight clients between the two that I manage, 135 00:06:54,200 --> 00:06:58,240 Speaker 6: and if I work a full week, it's about three 136 00:06:58,279 --> 00:07:02,440 Speaker 6: thousand dollars before I obviously don't work a full week 137 00:07:02,720 --> 00:07:06,440 Speaker 6: the whole year, but then on average it's about a 138 00:07:06,480 --> 00:07:09,560 Speaker 6: thousand dollars a week that before tax that I can 139 00:07:09,640 --> 00:07:12,640 Speaker 6: kind of pull in. If that's really honestly, it's working 140 00:07:12,680 --> 00:07:13,640 Speaker 6: about twenty hours a. 141 00:07:13,560 --> 00:07:17,320 Speaker 4: Week, So how cool and to know that you're doing 142 00:07:17,360 --> 00:07:20,160 Speaker 4: that and you're obviously quite passionate about it. But twenty 143 00:07:20,200 --> 00:07:23,080 Speaker 4: hours a week and having a bambino it makes life 144 00:07:23,080 --> 00:07:24,960 Speaker 4: a little bit more flexible. 145 00:07:24,800 --> 00:07:27,040 Speaker 1: Which we love al right. 146 00:07:27,360 --> 00:07:30,880 Speaker 4: Next structured question, what is your big money goal? 147 00:07:32,240 --> 00:07:36,520 Speaker 6: So it was to buy a house. Both my partner 148 00:07:36,520 --> 00:07:40,560 Speaker 6: and I. We wanted to sort of buy something with 149 00:07:40,600 --> 00:07:43,080 Speaker 6: a better land so that, you know, we can do 150 00:07:43,120 --> 00:07:44,880 Speaker 6: what we want, like he wants motorbikes and I want 151 00:07:44,880 --> 00:07:47,760 Speaker 6: a horse. So obviously, living where we do like sort of, 152 00:07:48,160 --> 00:07:52,440 Speaker 6: I guess it's Metro Melbourne, we can't afford that and 153 00:07:52,480 --> 00:07:54,440 Speaker 6: there's not that much around. 154 00:07:54,160 --> 00:07:56,559 Speaker 1: That would cater to that either. 155 00:07:56,640 --> 00:08:01,040 Speaker 6: So we were thinking of buying just investment property to 156 00:08:01,080 --> 00:08:04,000 Speaker 6: obviously live in for the next twelve twenty four months 157 00:08:04,880 --> 00:08:07,560 Speaker 6: and then move on from there. But we can't even 158 00:08:07,560 --> 00:08:09,320 Speaker 6: get into the housing market, so we were just sort 159 00:08:09,320 --> 00:08:11,680 Speaker 6: of sitting on it renting where we are. We're lucky 160 00:08:11,720 --> 00:08:13,920 Speaker 6: that our landlord hasn't raised our rent the whole through 161 00:08:13,960 --> 00:08:15,040 Speaker 6: the whole COVID. 162 00:08:14,800 --> 00:08:16,240 Speaker 1: So we've been really fortunate. 163 00:08:17,240 --> 00:08:18,880 Speaker 6: And then yeah, we were just sort of sitting there 164 00:08:18,920 --> 00:08:20,720 Speaker 6: and just saving as much as we could for as 165 00:08:20,760 --> 00:08:22,840 Speaker 6: long as we could. And then obviously the babies come along. 166 00:08:22,960 --> 00:08:26,920 Speaker 6: So yeah, so I guess like the money goal, it's 167 00:08:27,000 --> 00:08:29,560 Speaker 6: kind of backwards, but is to have this baby as 168 00:08:29,920 --> 00:08:31,360 Speaker 6: cheap as possible. 169 00:08:32,040 --> 00:08:34,120 Speaker 4: Hold on, hold on, so are you pregnant or if 170 00:08:34,160 --> 00:08:35,720 Speaker 4: you had this baby. 171 00:08:35,640 --> 00:08:37,400 Speaker 1: I'm pregnant. I'm just so. 172 00:08:37,280 --> 00:08:41,160 Speaker 4: The baby boy hasn't even arrived yet, know how hot on? 173 00:08:41,200 --> 00:08:42,319 Speaker 4: How many weeks are you? 174 00:08:42,600 --> 00:08:43,600 Speaker 1: Just over twelve weeks? 175 00:08:43,800 --> 00:08:45,280 Speaker 4: Oh my gosh, that's so exciting. 176 00:08:45,320 --> 00:08:46,560 Speaker 1: Oh my gosh, I'm so new. 177 00:08:47,040 --> 00:08:49,280 Speaker 6: Yeah, like crazy crazy you Like, we were lucky to 178 00:08:49,320 --> 00:08:52,319 Speaker 6: find out. We found out really really early, and then 179 00:08:52,360 --> 00:08:55,560 Speaker 6: that kind of stucked because there was so long between 180 00:08:56,000 --> 00:08:58,000 Speaker 6: when we found out and when we could actually, you know, 181 00:08:58,240 --> 00:08:59,720 Speaker 6: tell people be excited. 182 00:09:00,240 --> 00:09:01,679 Speaker 1: Yeah, so, oh my gosh. 183 00:09:01,720 --> 00:09:04,560 Speaker 4: So this is like a baby announcement money diary. 184 00:09:04,760 --> 00:09:06,920 Speaker 1: Well, yeah, it is because someone who's. 185 00:09:06,679 --> 00:09:11,160 Speaker 4: Completely anonymous guys having a baby, and she's really excited. 186 00:09:11,800 --> 00:09:16,400 Speaker 4: All right, back to questions, do you currently have any investments? 187 00:09:16,600 --> 00:09:18,720 Speaker 1: I do? I didn't. 188 00:09:19,120 --> 00:09:21,439 Speaker 6: I started listening to She's on the Money towards the 189 00:09:21,559 --> 00:09:23,839 Speaker 6: end of last year, and then I made my first 190 00:09:23,840 --> 00:09:25,560 Speaker 6: investment on Spaceship. 191 00:09:25,440 --> 00:09:28,360 Speaker 4: In January, and she's an investor. 192 00:09:28,640 --> 00:09:32,760 Speaker 6: I'm an investor, and that's been like it's like a 193 00:09:32,760 --> 00:09:36,160 Speaker 6: twenty nine almost thirty percent return on those. 194 00:09:36,280 --> 00:09:38,480 Speaker 1: Yeah, so that's yeah. 195 00:09:38,559 --> 00:09:42,560 Speaker 6: I've just sort of been randomly, like I'm not fantastic 196 00:09:42,600 --> 00:09:45,520 Speaker 6: at you know, planning it every week, but I just 197 00:09:45,600 --> 00:09:48,400 Speaker 6: randomly put some money in there. And then I also 198 00:09:48,640 --> 00:09:53,040 Speaker 6: just recently opened up the Chares's portfolio as well. And 199 00:09:53,080 --> 00:09:56,199 Speaker 6: I'm enjoying shares more because it's more interactive, because I 200 00:09:56,200 --> 00:09:58,320 Speaker 6: can kind of go through and pick and like, you know, 201 00:09:58,640 --> 00:10:01,520 Speaker 6: just gives me something to do bitter you know, eleven 202 00:10:01,600 --> 00:10:03,640 Speaker 6: year twelve economics trading on the AX. 203 00:10:05,480 --> 00:10:08,400 Speaker 4: I love that We've had so much positive feedback on 204 00:10:08,520 --> 00:10:11,240 Speaker 4: our community, loving the shares these platform, So I'm not 205 00:10:11,520 --> 00:10:16,280 Speaker 4: surprised that you're enjoying it. I love it too. So 206 00:10:16,679 --> 00:10:20,520 Speaker 4: flipping away from investments, do you have any debts? 207 00:10:21,679 --> 00:10:26,959 Speaker 6: I don't, actually, is she Well, the most the reason 208 00:10:27,000 --> 00:10:29,560 Speaker 6: debt that I had was my laptop, and that's because 209 00:10:29,559 --> 00:10:32,440 Speaker 6: I was working from home obviously, just doing video calls 210 00:10:32,440 --> 00:10:35,120 Speaker 6: and I'm back at UNI too. So paid that off. 211 00:10:35,520 --> 00:10:37,000 Speaker 6: I mean I put that on zip pay. I paid 212 00:10:37,000 --> 00:10:39,160 Speaker 6: it off. I think it was like one hundred and 213 00:10:39,240 --> 00:10:41,400 Speaker 6: something dollars a week minimum, so it was gone within 214 00:10:41,559 --> 00:10:44,080 Speaker 6: like almost two months. I think the only thing I've 215 00:10:44,080 --> 00:10:47,320 Speaker 6: got is like a two thousand dollars help fee for UNI, 216 00:10:47,360 --> 00:10:47,760 Speaker 6: and that's it. 217 00:10:47,960 --> 00:10:52,439 Speaker 4: All right, We're talking about buying new laptops before the 218 00:10:52,480 --> 00:10:55,479 Speaker 4: next question is do you currently use shopback? 219 00:10:56,160 --> 00:10:56,600 Speaker 1: I do? 220 00:10:57,200 --> 00:10:59,040 Speaker 4: Oh did you buy your laptop on shop back? 221 00:10:59,520 --> 00:10:59,880 Speaker 1: I did? 222 00:11:00,040 --> 00:11:05,839 Speaker 6: It's actually kay, yeah, So I had the same problem Tony. 223 00:11:05,880 --> 00:11:08,160 Speaker 6: I think it was you that on my phone. I 224 00:11:08,280 --> 00:11:11,480 Speaker 6: was just forgetting to use it. So when I heard 225 00:11:11,559 --> 00:11:15,400 Speaker 6: the episode about the Chrome extension, I was like, okay, 226 00:11:16,000 --> 00:11:17,600 Speaker 6: I jumped everybody's welcome. 227 00:11:18,480 --> 00:11:21,319 Speaker 1: That was me, guys, that was seeing me. So yeah, 228 00:11:21,360 --> 00:11:23,480 Speaker 1: I jumped on and I shot back. 229 00:11:23,480 --> 00:11:25,720 Speaker 6: I've you shot back for like buying all the stuff 230 00:11:25,720 --> 00:11:30,559 Speaker 6: for the baby. Yeah, And so like I've been able 231 00:11:30,640 --> 00:11:33,800 Speaker 6: to get a little bit a little bit back on 232 00:11:33,840 --> 00:11:35,600 Speaker 6: there because some of the stuff, like you know, sometimes 233 00:11:35,600 --> 00:11:37,600 Speaker 6: you buy through Kogan and that particular thing that you 234 00:11:37,640 --> 00:11:41,559 Speaker 6: want doesn't have any trash back. But it's also been 235 00:11:41,760 --> 00:11:44,960 Speaker 6: handy to use to see the change in prices as well. 236 00:11:45,080 --> 00:11:47,559 Speaker 6: So I can see that if like that item is 237 00:11:47,800 --> 00:11:50,520 Speaker 6: eighty dollars, but six months ago it was like twenty, 238 00:11:50,600 --> 00:11:52,080 Speaker 6: I know that I can kind of wait for it 239 00:11:52,160 --> 00:11:54,400 Speaker 6: to go back down again. 240 00:11:55,360 --> 00:11:56,280 Speaker 1: She's a wizard. 241 00:11:56,760 --> 00:11:59,320 Speaker 5: Yeah, exchanging tips all over the place. 242 00:12:00,000 --> 00:12:02,920 Speaker 4: I ask because I know some people will be like, well, 243 00:12:02,920 --> 00:12:04,840 Speaker 4: why are you asking her that? But it's such a 244 00:12:04,840 --> 00:12:08,240 Speaker 4: good money hacked and everybody uses it differently, and I 245 00:12:08,280 --> 00:12:11,080 Speaker 4: am really pervy about how people shop online. I'm the 246 00:12:11,160 --> 00:12:14,120 Speaker 4: same as Tony, albeit not as intelligent. I hadn't added 247 00:12:14,120 --> 00:12:16,640 Speaker 4: the Chrome extension until she told me to, and now 248 00:12:16,640 --> 00:12:19,440 Speaker 4: I have. I find myself just adding it a checkout 249 00:12:19,760 --> 00:12:22,280 Speaker 4: instead of having to go back to the app and 250 00:12:22,320 --> 00:12:25,400 Speaker 4: like redo it. Yeah, I'm a lazy gal, Like that 251 00:12:25,559 --> 00:12:29,280 Speaker 4: just works, but it was for me exactly does it does? Right? 252 00:12:29,440 --> 00:12:32,120 Speaker 4: So I feel like shotback might be your best money 253 00:12:32,200 --> 00:12:34,439 Speaker 4: have it, But the next question is what is your 254 00:12:34,480 --> 00:12:35,440 Speaker 4: best money habit? 255 00:12:36,400 --> 00:12:39,640 Speaker 1: My best money have it definitely is saving. 256 00:12:40,480 --> 00:12:42,480 Speaker 6: I've always, ever since I started working, like I was 257 00:12:42,520 --> 00:12:45,800 Speaker 6: always saving. I always had an account that was non 258 00:12:45,880 --> 00:12:48,560 Speaker 6: touchable that I obviously ultimately did end up touching for 259 00:12:48,920 --> 00:12:53,240 Speaker 6: different reasons. Good reasons, yeah, good reasons like a holiday 260 00:12:53,240 --> 00:12:54,199 Speaker 6: to Vietnam, like. 261 00:12:57,679 --> 00:12:58,640 Speaker 1: What was a visiting family? 262 00:12:58,679 --> 00:13:01,800 Speaker 6: So yes, So yeah, definitely saving, like I as soon 263 00:13:01,840 --> 00:13:03,600 Speaker 6: as I get any type of money, even if I 264 00:13:03,640 --> 00:13:06,120 Speaker 6: like sell something online for like twenty bucks. I always 265 00:13:06,120 --> 00:13:08,200 Speaker 6: save some of it, even if it's like just two. 266 00:13:08,080 --> 00:13:08,680 Speaker 1: Or three dollars. 267 00:13:10,240 --> 00:13:14,200 Speaker 6: But I mean, especially like with what's been I guess 268 00:13:14,640 --> 00:13:19,000 Speaker 6: most handy as savings recently is working through the business. Obviously, 269 00:13:19,080 --> 00:13:20,720 Speaker 6: I have to pay tax at the end of the year, 270 00:13:21,040 --> 00:13:24,080 Speaker 6: and so I also listened to the Business Bible, so 271 00:13:24,160 --> 00:13:28,640 Speaker 6: I was saved saving the thirty percent even though I 272 00:13:28,720 --> 00:13:31,800 Speaker 6: know that, like especially sort of this financial year, I'm 273 00:13:31,840 --> 00:13:33,880 Speaker 6: not going to be making anywhere near enough to pay 274 00:13:34,320 --> 00:13:37,000 Speaker 6: that much tax, so I'm still putting it in there 275 00:13:37,000 --> 00:13:41,040 Speaker 6: and using it as my savings genius extra as well. 276 00:13:42,080 --> 00:13:43,960 Speaker 4: Yeah, So it feel so much more empowered when you 277 00:13:44,000 --> 00:13:46,600 Speaker 4: make decisions like that, because tax can be something that 278 00:13:46,920 --> 00:13:49,440 Speaker 4: as a business owner I can really relate. It can 279 00:13:49,520 --> 00:13:52,199 Speaker 4: be really overwhelming. But if you've got this structure where 280 00:13:52,200 --> 00:13:54,440 Speaker 4: you're like, no, I put this amount aside, even though 281 00:13:54,520 --> 00:13:55,760 Speaker 4: in the end of the day and I'm going to 282 00:13:55,800 --> 00:13:57,560 Speaker 4: claim stuff and I know that maybe that's not what 283 00:13:57,640 --> 00:14:00,000 Speaker 4: I'll end up paying, you always feel so much more 284 00:14:00,080 --> 00:14:02,720 Speaker 4: confident because you know you're not going to get stung come. 285 00:14:02,559 --> 00:14:04,480 Speaker 1: Here exactly exactly. 286 00:14:04,920 --> 00:14:08,760 Speaker 4: Next question is, in comparison to that, what is your 287 00:14:09,000 --> 00:14:10,199 Speaker 4: worst money habit. 288 00:14:11,440 --> 00:14:14,840 Speaker 6: My worst money habit is I definitely go through phases 289 00:14:14,920 --> 00:14:16,240 Speaker 6: of spending. 290 00:14:16,920 --> 00:14:20,440 Speaker 1: I don't necessarily spend on myself. 291 00:14:21,520 --> 00:14:23,960 Speaker 6: Like I will if I do, Like I'm going to 292 00:14:24,080 --> 00:14:26,000 Speaker 6: you know, best and less of big w KMA and 293 00:14:26,080 --> 00:14:29,280 Speaker 6: only buying clearance rack items. And if the perfect thing 294 00:14:29,320 --> 00:14:31,840 Speaker 6: is there but it's you know, ten dollars and I 295 00:14:31,880 --> 00:14:33,240 Speaker 6: know that I can get it for cheaper, I just 296 00:14:33,280 --> 00:14:37,280 Speaker 6: won't buy it. So that's probably an like I wouldn't 297 00:14:37,280 --> 00:14:38,840 Speaker 6: say like it's a worse money habit, but like I 298 00:14:38,880 --> 00:14:41,240 Speaker 6: do need to kind of ease up and allow myself. 299 00:14:40,880 --> 00:14:43,080 Speaker 1: To buy like some socks every now and then. 300 00:14:43,920 --> 00:14:47,480 Speaker 6: But then on the contrary, like it's my partner's birthday 301 00:14:47,480 --> 00:14:49,640 Speaker 6: coming up in Christmas, and so I had no issues 302 00:14:49,720 --> 00:14:52,880 Speaker 6: dropping like twelve hundred dollars on his presence. Granted therefore 303 00:14:52,920 --> 00:14:55,240 Speaker 6: work as well, so they're useful for him. 304 00:14:55,240 --> 00:14:56,360 Speaker 1: It's not just stuff. 305 00:14:57,440 --> 00:15:00,680 Speaker 6: But like he could just casually off and mentioned, oh, 306 00:15:00,720 --> 00:15:03,120 Speaker 6: like I'd really like that. I'm like, here you go, 307 00:15:03,240 --> 00:15:04,160 Speaker 6: like you've got it now. 308 00:15:04,240 --> 00:15:07,360 Speaker 4: So yeah, So yeah, givinga is your love language, is 309 00:15:07,400 --> 00:15:11,120 Speaker 4: what we're hearing. Yes, but you also deserve to maybe 310 00:15:11,520 --> 00:15:14,720 Speaker 4: extend that grace to yourself especially if it means not 311 00:15:14,720 --> 00:15:15,600 Speaker 4: buying socks my. 312 00:15:15,600 --> 00:15:18,960 Speaker 6: Love, Like, yes, well, I just I budgeted in out 313 00:15:18,960 --> 00:15:21,600 Speaker 6: because you'll be glad to hear, Victoria that we have 314 00:15:21,640 --> 00:15:25,360 Speaker 6: a spreadsheet budget for our baby. So I budgeted and 315 00:15:25,440 --> 00:15:28,680 Speaker 6: new underwear and new socks and stuff into that spreadsheet. 316 00:15:28,720 --> 00:15:30,480 Speaker 1: So that makes me feel better about it because it 317 00:15:30,560 --> 00:15:34,160 Speaker 1: takes for the baby. So that is true. 318 00:15:34,280 --> 00:15:36,880 Speaker 4: You definitely do need to do that. Can I be 319 00:15:37,000 --> 00:15:38,080 Speaker 4: a little bit pervy here? 320 00:15:38,440 --> 00:15:38,520 Speaker 6: Go? 321 00:15:38,640 --> 00:15:41,920 Speaker 4: For? Sorry, how much do you think this baby is 322 00:15:41,920 --> 00:15:42,640 Speaker 4: going to cost? You? 323 00:15:42,680 --> 00:15:42,760 Speaker 1: Like? 324 00:15:42,840 --> 00:15:45,680 Speaker 4: How far down this budgeting route for baby are you? 325 00:15:46,320 --> 00:15:50,800 Speaker 6: So we went I went through and pretty much added 326 00:15:50,840 --> 00:15:53,640 Speaker 6: everything I could possibly want onto this spreadsheet, and then 327 00:15:53,760 --> 00:15:55,880 Speaker 6: I went through and obviously took things off as I 328 00:15:56,040 --> 00:15:58,000 Speaker 6: kind of got a bit more knowledge and like, you know, 329 00:15:58,080 --> 00:16:01,520 Speaker 6: you don't need the wipe's warmer, Like that's just ridiculous. 330 00:16:02,040 --> 00:16:05,400 Speaker 6: So I went through and kind of have started cutting 331 00:16:05,400 --> 00:16:08,560 Speaker 6: down a lot. And we had budgeted, obviously for as 332 00:16:08,600 --> 00:16:12,040 Speaker 6: little as we could. And the original list adding everything 333 00:16:12,040 --> 00:16:16,400 Speaker 6: that I wanted was four thousand dollars and then yeah, 334 00:16:16,440 --> 00:16:18,480 Speaker 6: and then after taking everything off, I think I got 335 00:16:18,480 --> 00:16:21,640 Speaker 6: it down to like just over three thousand dollars. 336 00:16:22,480 --> 00:16:25,320 Speaker 4: And that's like everything that you're going to need, every dart, 337 00:16:25,680 --> 00:16:27,160 Speaker 4: oh my gosh, everything. 338 00:16:27,280 --> 00:16:31,120 Speaker 6: And so we ended up taking a couple of extra 339 00:16:31,200 --> 00:16:34,320 Speaker 6: tests that we wanted done and it still fit under 340 00:16:34,360 --> 00:16:36,680 Speaker 6: that four thousand dollars. And like, I want to spend 341 00:16:36,680 --> 00:16:38,560 Speaker 6: a little bit extra on a prem so I've just 342 00:16:38,600 --> 00:16:41,920 Speaker 6: taken out like the big full kit of these, like. 343 00:16:43,320 --> 00:16:46,520 Speaker 1: The Tommy tippy bottles and stuff, because you know, I 344 00:16:46,600 --> 00:16:47,320 Speaker 1: might not need them. 345 00:16:47,320 --> 00:16:49,800 Speaker 6: Well they baby might not like that particular one. So 346 00:16:49,840 --> 00:16:52,360 Speaker 6: I've added, you know, one hundred dollars at that onto 347 00:16:52,640 --> 00:16:54,520 Speaker 6: something else, and then I've just got fifty dollars to 348 00:16:54,560 --> 00:16:58,840 Speaker 6: kind of play around a bit. So yeah, we're hoping, well, 349 00:16:58,880 --> 00:17:01,240 Speaker 6: it's looking like we can get it under four thousand dollars. 350 00:17:01,240 --> 00:17:03,600 Speaker 6: And that's pretty much from birth to like six months, so. 351 00:17:03,760 --> 00:17:07,760 Speaker 4: Oh my gosh, yeah, yeah, I agree. So to wrap 352 00:17:07,800 --> 00:17:10,800 Speaker 4: this part of the pod, what would you grade yourself 353 00:17:10,840 --> 00:17:13,760 Speaker 4: if I forced you to give yourself a money grade. 354 00:17:15,240 --> 00:17:18,639 Speaker 6: I'm going to give myself a B plus just because 355 00:17:18,680 --> 00:17:21,360 Speaker 6: I know that, like I have a lot of good 356 00:17:21,400 --> 00:17:24,280 Speaker 6: money habits, but like, for example, I would like to 357 00:17:24,320 --> 00:17:27,960 Speaker 6: be able to fully commit to you know, having even 358 00:17:28,000 --> 00:17:30,080 Speaker 6: just five dollars a week, just constantly invest in that 359 00:17:30,119 --> 00:17:31,520 Speaker 6: into each of my portfolios. 360 00:17:32,560 --> 00:17:33,760 Speaker 1: I want to be able. 361 00:17:33,560 --> 00:17:40,240 Speaker 6: To, I guess, like crunch down on what I am spending, 362 00:17:40,240 --> 00:17:42,920 Speaker 6: on what I'm not spending, because I know that when 363 00:17:42,960 --> 00:17:46,040 Speaker 6: I have leftover allocated spending money, like I could be 364 00:17:46,080 --> 00:17:48,320 Speaker 6: saving it too, but I might be spending on something silly. 365 00:17:48,359 --> 00:17:52,399 Speaker 6: So like just kind of going back and realigning my 366 00:17:52,600 --> 00:17:55,520 Speaker 6: values because they've changed a lot, and right now the 367 00:17:55,560 --> 00:18:00,200 Speaker 6: only value I have is the baby, So that's like, yeah, 368 00:18:00,200 --> 00:18:01,480 Speaker 6: I guess I kind of just need to kind of 369 00:18:02,119 --> 00:18:05,120 Speaker 6: disperse that out a little bit rather than just focusing 370 00:18:05,160 --> 00:18:06,000 Speaker 6: on the one thing. 371 00:18:06,200 --> 00:18:08,520 Speaker 4: So but it kind of makes sense that that's where 372 00:18:08,520 --> 00:18:12,080 Speaker 4: your priorities are, right, Yeah, that's the biggest thing in 373 00:18:12,119 --> 00:18:13,040 Speaker 4: your life. 374 00:18:13,359 --> 00:18:16,159 Speaker 3: Yeah, and from what we've already learned about you, you 375 00:18:16,320 --> 00:18:19,760 Speaker 3: seem super savvy, super switched on, super organized. 376 00:18:20,080 --> 00:18:22,440 Speaker 5: You know, I think a B plus is more than fair. 377 00:18:22,480 --> 00:18:24,600 Speaker 3: If anything, it might be a little bit low, but 378 00:18:24,720 --> 00:18:27,320 Speaker 3: I think that you're bos to invest a little bit 379 00:18:27,640 --> 00:18:29,720 Speaker 3: more consistently. 380 00:18:29,800 --> 00:18:30,840 Speaker 5: I think that's a great goal. 381 00:18:31,160 --> 00:18:34,280 Speaker 4: Yeah, I absolutely agree, And money Dorist, we have so 382 00:18:34,359 --> 00:18:36,760 Speaker 4: many questions and we will get back to them right 383 00:18:36,800 --> 00:18:45,120 Speaker 4: after this quick break. Okay, let's jump back into this. 384 00:18:45,280 --> 00:18:48,040 Speaker 4: We haven't touched on it yet, but it did come 385 00:18:48,080 --> 00:18:51,320 Speaker 4: up in your money story. You had a journey, we 386 00:18:51,400 --> 00:18:54,920 Speaker 4: could say, of a money story, like you've gone from 387 00:18:55,119 --> 00:18:58,359 Speaker 4: you know, wealth to not having wealth, to you know, 388 00:18:58,560 --> 00:19:01,240 Speaker 4: living out of your car with your pets, to now 389 00:19:01,320 --> 00:19:05,119 Speaker 4: finding the love of your life. How has that impacted 390 00:19:05,160 --> 00:19:07,520 Speaker 4: your money story now as an adult and as a 391 00:19:07,560 --> 00:19:08,520 Speaker 4: future new mum. 392 00:19:09,760 --> 00:19:11,320 Speaker 1: It's it's honestly been crazy. 393 00:19:11,359 --> 00:19:15,320 Speaker 6: Like if I could have a chance to go back 394 00:19:15,359 --> 00:19:18,639 Speaker 6: and change anything, like I definitely it's cliche, but I wouldn't. 395 00:19:19,359 --> 00:19:22,800 Speaker 6: I can pinpoint different behaviors that I have today, and 396 00:19:22,840 --> 00:19:25,960 Speaker 6: I can pinpoint the lessons that they came from and 397 00:19:26,000 --> 00:19:29,320 Speaker 6: what I learned. It's definitely like when I was growing up, 398 00:19:29,400 --> 00:19:32,040 Speaker 6: obviously both parents being accountants, my mum had a background 399 00:19:32,040 --> 00:19:38,240 Speaker 6: in law. I was given really good foundations for money habits, 400 00:19:38,280 --> 00:19:41,240 Speaker 6: Like I was saving at two years old, you know, 401 00:19:41,280 --> 00:19:44,520 Speaker 6: birthday money, you know, got split up savings account. 402 00:19:44,840 --> 00:19:45,800 Speaker 1: Yeah, it was really cute. 403 00:19:45,800 --> 00:19:47,800 Speaker 6: Like my parents an amazing job, especially when I was 404 00:19:47,840 --> 00:19:51,840 Speaker 6: really young, being able to sort of stabilize. 405 00:19:52,600 --> 00:19:53,160 Speaker 1: My future. 406 00:19:53,160 --> 00:19:55,040 Speaker 6: And like when I was sixteen, I you know, was 407 00:19:55,080 --> 00:19:57,480 Speaker 6: super excited to get heaps of different cards, like for 408 00:19:57,600 --> 00:19:59,879 Speaker 6: my wallet and stuff. So like I got you know, 409 00:20:00,080 --> 00:20:02,720 Speaker 6: my IG account swapped over so I could have a 410 00:20:02,760 --> 00:20:05,400 Speaker 6: card to access it and like just stuff like that. 411 00:20:05,520 --> 00:20:10,280 Speaker 6: Like it was, I had really good foundations and that 412 00:20:10,640 --> 00:20:15,480 Speaker 6: I think is ultimately what stabilized my view on money. 413 00:20:15,560 --> 00:20:18,880 Speaker 6: And you know, I've never been a frivolous spender. I've 414 00:20:18,920 --> 00:20:22,400 Speaker 6: never you know, not saved. I've always worked at least 415 00:20:22,440 --> 00:20:24,760 Speaker 6: three jobs up until i was you know, up here 416 00:20:24,760 --> 00:20:30,000 Speaker 6: in Melbourne, and so I've been taught the value of money, 417 00:20:30,160 --> 00:20:34,280 Speaker 6: both as a dollar value, but also as what it 418 00:20:34,359 --> 00:20:36,720 Speaker 6: can bring and what it can do to people too. 419 00:20:37,680 --> 00:20:39,600 Speaker 6: And yeah, the reason why I said, like white rat 420 00:20:39,600 --> 00:20:41,440 Speaker 6: at the beginning was that I love money is because 421 00:20:41,480 --> 00:20:44,280 Speaker 6: I love how I'm able to sort of view it 422 00:20:44,320 --> 00:20:46,959 Speaker 6: and I don't let it control my life. But I 423 00:20:47,000 --> 00:20:50,080 Speaker 6: also don't feel like I'm out of control, like knowing 424 00:20:50,119 --> 00:20:53,280 Speaker 6: that we can have pretty much any emergency happened to 425 00:20:53,359 --> 00:20:54,920 Speaker 6: us right now, and we're gonna be okay. 426 00:20:54,920 --> 00:20:55,760 Speaker 1: We have enough money. 427 00:20:56,200 --> 00:20:59,440 Speaker 6: Like that's like I'm an incredibly anxious person and it's 428 00:20:59,560 --> 00:21:02,840 Speaker 6: just I've had no anxiety the past, you know, twelve 429 00:21:02,840 --> 00:21:05,920 Speaker 6: months since having these savings I'm just like, I don't 430 00:21:05,960 --> 00:21:08,480 Speaker 6: feel like anything, can you know, scare me? 431 00:21:08,640 --> 00:21:10,840 Speaker 5: Like that's such a weight off your shoulders. 432 00:21:11,440 --> 00:21:12,000 Speaker 1: Definitely. 433 00:21:12,119 --> 00:21:13,919 Speaker 6: And like a couple of months ago, I had a 434 00:21:13,920 --> 00:21:16,119 Speaker 6: car accident and my car got written off and I 435 00:21:16,160 --> 00:21:20,800 Speaker 6: didn't have yeah, I only had third party insurance on it, 436 00:21:20,960 --> 00:21:23,119 Speaker 6: and it was lucky that I did. You know, we 437 00:21:23,119 --> 00:21:26,000 Speaker 6: were sort of thinking, well, we have a great Dane now. 438 00:21:25,880 --> 00:21:27,080 Speaker 1: Too, so we've got elaborator. 439 00:21:28,480 --> 00:21:30,000 Speaker 6: Yeah, so we're like, we, you know, we needed to 440 00:21:30,040 --> 00:21:31,840 Speaker 6: get a bigger car anyway, so we were looking at it. 441 00:21:31,880 --> 00:21:34,639 Speaker 6: We were looking at you know, like a Toyota Clugar 442 00:21:34,800 --> 00:21:37,239 Speaker 6: and we're like, it's just you know, expensive. We were 443 00:21:37,240 --> 00:21:38,679 Speaker 6: looking at getting into a loan, and I was like, 444 00:21:38,720 --> 00:21:40,040 Speaker 6: you know what I'm going to get. 445 00:21:40,320 --> 00:21:41,200 Speaker 1: This is a car I want. 446 00:21:41,200 --> 00:21:43,280 Speaker 6: And I've got a two thousand and two Toyota Cameri 447 00:21:43,359 --> 00:21:46,479 Speaker 6: wagon fits the dogs, will fit the baby, and I 448 00:21:46,520 --> 00:21:50,479 Speaker 6: think it costs like five thousand dollars And that all 449 00:21:50,520 --> 00:21:53,399 Speaker 6: came out of our savings. So instead of yeah, instead 450 00:21:53,440 --> 00:21:56,040 Speaker 6: of going into debt, getting a loan and you know, 451 00:21:56,119 --> 00:21:58,680 Speaker 6: financing and stuff like that, just decisions like that that. 452 00:21:59,359 --> 00:22:01,760 Speaker 4: Smart money decisions that are going to save you for 453 00:22:01,800 --> 00:22:04,640 Speaker 4: the long term, and yeah, I think that too many 454 00:22:04,720 --> 00:22:08,080 Speaker 4: times people really undervalue those decisions. Go oh, but that's 455 00:22:08,080 --> 00:22:09,480 Speaker 4: not what I really want. I should just get what 456 00:22:09,560 --> 00:22:13,600 Speaker 4: I really want. When in reality, that's given you financial 457 00:22:13,640 --> 00:22:16,920 Speaker 4: freedom in the long term because you're not stressed about something. 458 00:22:17,000 --> 00:22:19,040 Speaker 4: And yeah, I think that's so special. 459 00:22:19,720 --> 00:22:21,480 Speaker 5: How old are you at the moment, Money. 460 00:22:21,240 --> 00:22:23,400 Speaker 1: Direst twenty one almost twenty two? 461 00:22:23,480 --> 00:22:25,359 Speaker 4: Oh my gosh, you're a baby. 462 00:22:26,080 --> 00:22:28,600 Speaker 3: In your email, you said that you both you and 463 00:22:28,640 --> 00:22:31,439 Speaker 3: your partner had quite a similar money story. Do you 464 00:22:31,440 --> 00:22:34,400 Speaker 3: think that that's made it easier because you can understand 465 00:22:34,480 --> 00:22:37,000 Speaker 3: each other's background and go, I know what you've been 466 00:22:37,119 --> 00:22:39,440 Speaker 3: through because it was really hard for me as well. 467 00:22:39,680 --> 00:22:43,160 Speaker 6: Yeah, definitely, in a lot of ways, it's made it easier. 468 00:22:44,080 --> 00:22:48,280 Speaker 6: But we're also he's got a bit of a mind 469 00:22:48,280 --> 00:22:51,160 Speaker 6: frame of like, we've got the money. Now. I've never had, 470 00:22:51,359 --> 00:22:54,760 Speaker 6: you know, a seventy five inch TV, so let's buy one. 471 00:22:54,800 --> 00:22:57,280 Speaker 6: So we bought one. I've never had to wear a barbecue, 472 00:22:57,280 --> 00:22:58,879 Speaker 6: so let's buy one. So we bought one. And so 473 00:22:59,000 --> 00:23:02,080 Speaker 6: like it's it's like that is that we're kind of like, 474 00:23:02,480 --> 00:23:05,919 Speaker 6: you know, where we both sort of get in the 475 00:23:05,960 --> 00:23:08,440 Speaker 6: mind frame of like, well, you know what if one 476 00:23:08,520 --> 00:23:12,159 Speaker 6: day and you know, we should not be spending this 477 00:23:12,320 --> 00:23:14,640 Speaker 6: much and doing that, But every now and then we're 478 00:23:14,720 --> 00:23:17,159 Speaker 6: just like why, Like, we know that we're okay. We 479 00:23:17,240 --> 00:23:20,359 Speaker 6: know that our you know, future for at least for 480 00:23:20,400 --> 00:23:22,959 Speaker 6: the next year is pretty stable and pretty secure. 481 00:23:23,000 --> 00:23:24,360 Speaker 1: Like we're both essential workers. 482 00:23:24,560 --> 00:23:27,200 Speaker 6: So even if COVID you know, hits the roof again 483 00:23:27,320 --> 00:23:29,080 Speaker 6: like more than what it is at. 484 00:23:28,920 --> 00:23:30,639 Speaker 1: The moment, we know that we're safe. 485 00:23:31,680 --> 00:23:35,040 Speaker 6: So yeah, if we've been able to kind of well, 486 00:23:35,240 --> 00:23:36,919 Speaker 6: he's been able to kind of be like, oh, but 487 00:23:37,000 --> 00:23:38,640 Speaker 6: we can you know, wouldn't it be nice to have 488 00:23:38,680 --> 00:23:41,119 Speaker 6: that kind of luxury that we've never had before. So 489 00:23:41,600 --> 00:23:43,720 Speaker 6: but in saying that, we both drive like twenty year 490 00:23:43,720 --> 00:23:47,320 Speaker 6: old cars and you know, so like it's just small 491 00:23:47,359 --> 00:23:50,600 Speaker 6: stuff like that that we've never had before. He's been 492 00:23:50,640 --> 00:23:52,000 Speaker 6: able to be like, it's okay to spend it, like 493 00:23:52,080 --> 00:23:54,680 Speaker 6: let's just let's buy it, and I'm like, yeah, okay. 494 00:23:55,760 --> 00:23:59,800 Speaker 3: So yeah, but it's really empowering that you've both gone through, 495 00:24:00,280 --> 00:24:03,120 Speaker 3: you know, a pretty crazy life to get to where 496 00:24:03,119 --> 00:24:04,760 Speaker 3: you're at now, and you can look at each other 497 00:24:04,800 --> 00:24:06,240 Speaker 3: and go, you know what, we've. 498 00:24:06,080 --> 00:24:08,880 Speaker 5: Never had that barbecue before. We've never had that, Telly, like. 499 00:24:09,040 --> 00:24:10,919 Speaker 3: Let's just do it because we love each other and 500 00:24:11,119 --> 00:24:14,119 Speaker 3: we're money and we're safe, and there's just nothing better 501 00:24:14,200 --> 00:24:17,600 Speaker 3: than feeling really safe with the person that you that 502 00:24:17,720 --> 00:24:21,800 Speaker 3: you love both you know, literally safe, but also financially safe, 503 00:24:21,800 --> 00:24:24,320 Speaker 3: and like you said, having that weight off your shoulders 504 00:24:24,320 --> 00:24:27,159 Speaker 3: are feeling anxious about, oh my gosh, if that bill's 505 00:24:27,200 --> 00:24:29,560 Speaker 3: more expensive than we think it might be, we actually 506 00:24:29,560 --> 00:24:32,760 Speaker 3: can't swing it this month. And I think that most 507 00:24:32,840 --> 00:24:36,239 Speaker 3: people listening, everybody listening can relate to that that has 508 00:24:36,280 --> 00:24:38,359 Speaker 3: gone through a period in their life where they've gone, 509 00:24:38,480 --> 00:24:40,399 Speaker 3: we don't know what will happen if that bills more 510 00:24:40,440 --> 00:24:41,280 Speaker 3: than we're expecting. 511 00:24:41,640 --> 00:24:44,359 Speaker 6: Yeah, and like, I'm more so take management of the 512 00:24:44,359 --> 00:24:46,680 Speaker 6: finances in terms of paying bills and everything. He's very 513 00:24:46,720 --> 00:24:48,159 Speaker 6: much just like I don't even want to hear about it. 514 00:24:48,200 --> 00:24:50,080 Speaker 6: I've got too much to think about, Like, just tell 515 00:24:50,119 --> 00:24:51,639 Speaker 6: me what you need and I'll just do it. 516 00:24:51,640 --> 00:24:54,760 Speaker 4: Cool, but to this podcast, so yeah, and. 517 00:24:54,760 --> 00:24:55,639 Speaker 1: I'm like you so listen to it. 518 00:24:55,680 --> 00:24:57,760 Speaker 6: He goes, I don't want to, like you're in control 519 00:24:57,760 --> 00:24:59,520 Speaker 6: of it, like I trust you to deal with it. 520 00:24:59,600 --> 00:25:02,080 Speaker 6: I was like, oh, okay, but it's been really cool 521 00:25:02,080 --> 00:25:05,280 Speaker 6: to to sort of see the progress of because when 522 00:25:05,280 --> 00:25:07,480 Speaker 6: we first met, neither of us had any money, like 523 00:25:07,520 --> 00:25:11,040 Speaker 6: we were dirt broke. And so for my birthday one year, 524 00:25:11,200 --> 00:25:16,920 Speaker 6: the first year, he'd bought me a bamboo Douner from 525 00:25:17,040 --> 00:25:20,359 Speaker 6: Kmart and then you're just gone. He bought me and 526 00:25:20,440 --> 00:25:25,800 Speaker 6: a Dare's one that was duck down yeah Glowa. Yeah 527 00:25:25,880 --> 00:25:28,920 Speaker 6: even in like that's sort of twelve month different. Yeah, 528 00:25:28,960 --> 00:25:30,600 Speaker 6: I'm just like I'm really living it up now, Like 529 00:25:30,600 --> 00:25:36,160 Speaker 6: we've got you know, duck down feather alternative not actual ducks. 530 00:25:36,200 --> 00:25:38,919 Speaker 6: I have to say that now you know pillows and 531 00:25:39,040 --> 00:25:40,959 Speaker 6: Doner covers like Douna inserts and everything. 532 00:25:40,960 --> 00:25:42,840 Speaker 1: So we're yeah, definitely. 533 00:25:43,960 --> 00:25:46,440 Speaker 4: Special though, And I love that you guys have gotten 534 00:25:46,440 --> 00:25:49,960 Speaker 4: to go on that journey as well together and not 535 00:25:50,119 --> 00:25:52,359 Speaker 4: done this on your own, and like what you've feel 536 00:25:52,600 --> 00:25:55,200 Speaker 4: you've built together and now you're building a little family 537 00:25:55,280 --> 00:26:00,280 Speaker 4: as well. So exciting. I'm a massive pet person. So 538 00:26:00,400 --> 00:26:02,639 Speaker 4: you said before you have a great Dane. What are 539 00:26:02,680 --> 00:26:03,879 Speaker 4: your other pets? 540 00:26:04,520 --> 00:26:07,680 Speaker 6: So I've got a great Dane. He's almost twelve months old. 541 00:26:08,600 --> 00:26:15,040 Speaker 6: We've got a labrador. Yeah, he's trouble, he's just he's 542 00:26:15,080 --> 00:26:16,880 Speaker 6: ended up chewing. I left the house for like five 543 00:26:16,880 --> 00:26:18,639 Speaker 6: minutes to go drop off a dish to my neighbor, 544 00:26:18,680 --> 00:26:22,440 Speaker 6: and he chewed the door frame. Yeah, so we're dealing 545 00:26:22,520 --> 00:26:26,320 Speaker 6: with that at the moment. But yeah, but he's very cute. 546 00:26:26,320 --> 00:26:29,800 Speaker 6: He's very cute and very cuddly. That makes for it, exactly, 547 00:26:29,960 --> 00:26:33,520 Speaker 6: for it exactly. I've got a six year old Labrador, 548 00:26:34,160 --> 00:26:38,399 Speaker 6: so I've had him for almost five years. I got 549 00:26:38,440 --> 00:26:40,840 Speaker 6: him when he was about eighteen months old. And then 550 00:26:40,840 --> 00:26:42,320 Speaker 6: I also have a cat as well who's a couple 551 00:26:42,359 --> 00:26:42,760 Speaker 6: of years. 552 00:26:42,600 --> 00:26:44,399 Speaker 1: Old that I've had since. So he actually he was 553 00:26:44,440 --> 00:26:45,159 Speaker 1: my first one. 554 00:26:45,200 --> 00:26:49,200 Speaker 6: So they lived together very peacefully, and you know, it's yeah, 555 00:26:49,240 --> 00:26:49,960 Speaker 6: it's quite nice. 556 00:26:50,160 --> 00:26:53,520 Speaker 4: And how do you budget for pets because pets are 557 00:26:53,640 --> 00:26:57,240 Speaker 4: actually really expensive. As someone who also has three pets, 558 00:26:57,280 --> 00:27:00,640 Speaker 4: I have two cats and one dog. They're vets, their 559 00:27:00,680 --> 00:27:03,639 Speaker 4: food bills, all of that really adds up. How do 560 00:27:03,760 --> 00:27:05,880 Speaker 4: you swindle that into your budget? 561 00:27:06,200 --> 00:27:08,960 Speaker 6: Sure, So when we started, like I said, I didn't 562 00:27:08,960 --> 00:27:11,000 Speaker 6: have very much money when my partner and I first met, 563 00:27:11,040 --> 00:27:15,199 Speaker 6: so he was really good. When we first are living together, 564 00:27:16,359 --> 00:27:19,560 Speaker 6: we also had a housemate and then another housemate as 565 00:27:19,560 --> 00:27:22,960 Speaker 6: well who didn't pay bills. It was just me and 566 00:27:23,000 --> 00:27:25,399 Speaker 6: the original housemate that would pay the rent and bills, 567 00:27:25,440 --> 00:27:28,560 Speaker 6: and it kind of balanced out because she wanted that 568 00:27:28,600 --> 00:27:30,480 Speaker 6: person there and I wanted this person there. 569 00:27:31,520 --> 00:27:33,080 Speaker 1: So in order to. 570 00:27:33,000 --> 00:27:35,640 Speaker 6: Feel like he was contributing like he would be when 571 00:27:35,680 --> 00:27:37,359 Speaker 6: my dog got sick, he would go halves and the 572 00:27:37,440 --> 00:27:39,280 Speaker 6: vet bill and stuff like that, which I never yeah, 573 00:27:39,359 --> 00:27:41,520 Speaker 6: I never asked for, and he was just really good 574 00:27:41,520 --> 00:27:46,480 Speaker 6: with that. And now that we have it all together, 575 00:27:47,600 --> 00:27:50,440 Speaker 6: we have a savings account, so we have our own 576 00:27:50,440 --> 00:27:52,399 Speaker 6: separate savings account and spendings account, and then we have 577 00:27:52,440 --> 00:27:55,919 Speaker 6: a joint expenses for our rent and bills and food 578 00:27:56,080 --> 00:27:57,679 Speaker 6: and our baby and. 579 00:27:57,640 --> 00:27:59,800 Speaker 1: Our big savings. 580 00:28:00,080 --> 00:28:00,560 Speaker 3: Guess. 581 00:28:01,320 --> 00:28:03,760 Speaker 6: So when we put our big savings accounts together, that 582 00:28:03,840 --> 00:28:06,159 Speaker 6: was originally for the house and it still is, but 583 00:28:06,200 --> 00:28:08,240 Speaker 6: we're a little bit more lenient with it now, so 584 00:28:08,440 --> 00:28:12,000 Speaker 6: in order to keep us both comfortable, because we're obviously 585 00:28:12,000 --> 00:28:14,000 Speaker 6: saving as much as we can now so that we 586 00:28:14,040 --> 00:28:18,119 Speaker 6: can continue to spend when I'm not working and my 587 00:28:18,200 --> 00:28:22,680 Speaker 6: partner is needing to pretty much put his entire wage into. 588 00:28:22,680 --> 00:28:23,480 Speaker 1: Keeping us alive. 589 00:28:24,320 --> 00:28:27,280 Speaker 6: Yeah fair so, yeah, so we've been more lenient with 590 00:28:27,320 --> 00:28:29,560 Speaker 6: it now. And so when you know, our dogs have 591 00:28:29,640 --> 00:28:32,000 Speaker 6: to go to the vet, or they need worming tablets, 592 00:28:32,080 --> 00:28:35,399 Speaker 6: or they need like our great Jane's getting desex in 593 00:28:35,440 --> 00:28:37,919 Speaker 6: the next six months. So that's all going to come 594 00:28:37,920 --> 00:28:41,200 Speaker 6: out of that big savings account. So we contributed to 595 00:28:41,240 --> 00:28:43,400 Speaker 6: that as much as we can, and like I said, 596 00:28:43,400 --> 00:28:45,560 Speaker 6: that is our house deposit account, but we are. 597 00:28:45,480 --> 00:28:49,520 Speaker 1: Able to kind of use that emergency. Yeah, it's exactly cool. 598 00:28:49,680 --> 00:28:52,480 Speaker 4: I like that. And I knew if I asked someone 599 00:28:52,520 --> 00:28:56,440 Speaker 4: who had such a comprehensive baby budget after twelve weeks 600 00:28:56,480 --> 00:28:58,719 Speaker 4: that they probably would have really thought about their pets. 601 00:28:58,760 --> 00:29:00,800 Speaker 4: But it's one of those things where you just don't 602 00:29:00,840 --> 00:29:03,560 Speaker 4: realize how expensive they are until you have them. 603 00:29:03,920 --> 00:29:06,760 Speaker 6: Yeah, And like our great day and he eats eight 604 00:29:06,840 --> 00:29:09,360 Speaker 6: hundred grams of food a day, so we get a 605 00:29:09,440 --> 00:29:11,800 Speaker 6: twenty bag. Yeah, we get a twenty kilo bag of 606 00:29:11,840 --> 00:29:14,440 Speaker 6: dog food and he's through that before. 607 00:29:14,200 --> 00:29:14,960 Speaker 1: The end of the month. 608 00:29:15,040 --> 00:29:18,080 Speaker 6: And we were spending a lot of money on it. 609 00:29:18,160 --> 00:29:20,720 Speaker 6: And then I ended up finding this big like bog 610 00:29:20,800 --> 00:29:23,640 Speaker 6: warehouse in New South Wales, so we get twenty kilos 611 00:29:23,640 --> 00:29:25,200 Speaker 6: for like one hundred dollars delivered. 612 00:29:25,240 --> 00:29:26,400 Speaker 4: Oh that's so good. 613 00:29:26,640 --> 00:29:30,080 Speaker 6: Yeah, So it's I mean, it's it's not a huge impact. 614 00:29:30,120 --> 00:29:31,720 Speaker 6: But when you know you've got to buy both the 615 00:29:31,720 --> 00:29:33,880 Speaker 6: dogs and they're both one hundred dollars each bag, and 616 00:29:33,880 --> 00:29:38,880 Speaker 6: then it's also worming in free time, it's just like, really, yeah. 617 00:29:38,600 --> 00:29:41,160 Speaker 4: It totally adds up. And I find it's really interesting 618 00:29:41,280 --> 00:29:44,080 Speaker 4: because I'm such a pet person, and now with three, 619 00:29:44,160 --> 00:29:47,080 Speaker 4: I obviously see how much that impacts our budget. But 620 00:29:47,320 --> 00:29:50,040 Speaker 4: when I got Bailey, who is my oldest cat, he 621 00:29:50,160 --> 00:29:53,560 Speaker 4: has just turned ten. I've had him for the last 622 00:29:53,680 --> 00:29:56,400 Speaker 4: nine years and he saw me through university and every 623 00:29:56,480 --> 00:30:00,960 Speaker 4: relationship I've ever had. Poor cat, But I remember when 624 00:30:00,960 --> 00:30:03,840 Speaker 4: I got him, I was dirt broke in UNI, and 625 00:30:04,040 --> 00:30:06,880 Speaker 4: like I knew that I needed a cat mentally to 626 00:30:06,960 --> 00:30:10,360 Speaker 4: get through what I was going through, and like it 627 00:30:10,520 --> 00:30:12,880 Speaker 4: was just one of those periods of time where I 628 00:30:13,040 --> 00:30:16,760 Speaker 4: literally remember having about three hundred dollars in my account 629 00:30:16,960 --> 00:30:19,480 Speaker 4: and Bailey was a rescue and he cost me two 630 00:30:19,560 --> 00:30:22,440 Speaker 4: hundred and fifty dollars and I remember driving him home 631 00:30:22,480 --> 00:30:25,120 Speaker 4: and I was so happy, and I was a bit 632 00:30:25,160 --> 00:30:27,200 Speaker 4: freaked out because I had less than one hundred dollars 633 00:30:27,240 --> 00:30:28,600 Speaker 4: in my account and I was like, oh my gosh, 634 00:30:28,640 --> 00:30:31,240 Speaker 4: like this is so stressful, but I knew ultimately I'd 635 00:30:31,240 --> 00:30:33,640 Speaker 4: done the right thing, and you know, I couldn't afford 636 00:30:33,680 --> 00:30:36,120 Speaker 4: the expensive cat food for him. And I remember when 637 00:30:36,160 --> 00:30:38,000 Speaker 4: I was you know, I would have been your age. 638 00:30:38,000 --> 00:30:39,760 Speaker 4: I would have been like twenty twenty one, and I 639 00:30:39,800 --> 00:30:41,840 Speaker 4: got this cat, and I was like, all right, well, 640 00:30:41,880 --> 00:30:44,239 Speaker 4: you're gonna eat supermarket food, but I promised one day 641 00:30:44,240 --> 00:30:47,800 Speaker 4: I'll get you some bougie stuff. And now he eats 642 00:30:47,880 --> 00:30:50,440 Speaker 4: like a little king. But it's it's a funny part 643 00:30:50,480 --> 00:30:52,880 Speaker 4: of my money story because I look back and I go, 644 00:30:53,160 --> 00:30:55,200 Speaker 4: I knew what I needed, I knew what I could afford, 645 00:30:55,240 --> 00:30:57,440 Speaker 4: and I did that and I made it fit my budget. 646 00:30:57,720 --> 00:30:59,600 Speaker 4: And I just don't think that there's any shame in 647 00:30:59,640 --> 00:31:02,320 Speaker 4: what that that looks like. And I'm very lucky now 648 00:31:02,360 --> 00:31:04,920 Speaker 4: that he's a fancy boy and eats his Royal Cannon 649 00:31:05,120 --> 00:31:08,400 Speaker 4: cat food. But like he used to eat homebrand cat food, 650 00:31:08,480 --> 00:31:11,560 Speaker 4: he was fine and we were really happy together. I 651 00:31:11,640 --> 00:31:14,120 Speaker 4: was like, but I think it's such a journey to 652 00:31:14,200 --> 00:31:17,640 Speaker 4: go through that knowing you know, pets are expensive, but 653 00:31:17,880 --> 00:31:20,440 Speaker 4: when they are a key value of yours, you just 654 00:31:20,520 --> 00:31:21,320 Speaker 4: make it happen. 655 00:31:21,680 --> 00:31:25,160 Speaker 6: Yeah, exactly, And I mean, like my dog and my cat, 656 00:31:25,440 --> 00:31:27,080 Speaker 6: my cat less so because he caused a lot of 657 00:31:27,080 --> 00:31:30,680 Speaker 6: troubles in the beginning, but like when I got my dog, 658 00:31:30,760 --> 00:31:33,880 Speaker 6: like my labrador again, he saw me through a lot 659 00:31:33,920 --> 00:31:35,600 Speaker 6: of stuff to the point where I was like, I 660 00:31:35,640 --> 00:31:38,960 Speaker 6: loved them so much more than I loved myself. I 661 00:31:39,000 --> 00:31:41,160 Speaker 6: didn't trust anybody to look after them, and so I 662 00:31:41,200 --> 00:31:42,800 Speaker 6: was like, you know, I can't let anything happen to me. 663 00:31:42,840 --> 00:31:44,200 Speaker 1: I can't do anything to myself. 664 00:31:44,240 --> 00:31:46,800 Speaker 6: I can't, you know, put myself at risk because I 665 00:31:46,800 --> 00:31:48,360 Speaker 6: don't trust anybody to look after them. 666 00:31:48,360 --> 00:31:49,320 Speaker 1: So I have to stay here. 667 00:31:49,360 --> 00:31:51,040 Speaker 6: I have to wake up every morning, I have to 668 00:31:51,080 --> 00:31:53,280 Speaker 6: feed them, like and that was the only thing that 669 00:31:53,280 --> 00:31:55,040 Speaker 6: got me through for so long, because I was just like, 670 00:31:55,080 --> 00:31:59,000 Speaker 6: that's they are the most important thing in my world 671 00:31:59,120 --> 00:32:01,560 Speaker 6: and I don't want anything to ever happen to them. 672 00:32:01,640 --> 00:32:04,120 Speaker 6: So I'm the only one that I That's. 673 00:32:03,920 --> 00:32:06,680 Speaker 4: How I feel about mine, yeah as well, like they 674 00:32:06,680 --> 00:32:10,040 Speaker 4: are literally family. And that's when I get so confused. 675 00:32:10,040 --> 00:32:12,920 Speaker 4: And obviously everybody's budget is different and we all have 676 00:32:13,000 --> 00:32:16,480 Speaker 4: different values and we all have different priorities. But when 677 00:32:16,840 --> 00:32:19,520 Speaker 4: people say, oh, yeah, I don't have a pet, they 678 00:32:19,560 --> 00:32:23,280 Speaker 4: just don't fit in my budget. Okay, I don't understand 679 00:32:23,320 --> 00:32:25,440 Speaker 4: that mentality. But all right, we. 680 00:32:25,400 --> 00:32:28,080 Speaker 6: Might have like twenty packets of Meagering home brand noodles 681 00:32:28,080 --> 00:32:29,680 Speaker 6: in our cupboard, but our dog eats well. 682 00:32:29,840 --> 00:32:37,000 Speaker 4: Like yeah, literally me money direst One of the things 683 00:32:37,000 --> 00:32:40,120 Speaker 4: that I have loved about your money story is your mindset. 684 00:32:40,160 --> 00:32:43,040 Speaker 4: And even in what as I said before, some of 685 00:32:43,080 --> 00:32:46,400 Speaker 4: the darkest times to other people were actually your favorite memories. 686 00:32:47,080 --> 00:32:49,720 Speaker 4: How have you created this mindset? Like where is that 687 00:32:49,760 --> 00:32:52,000 Speaker 4: come from? And how do we, as she's on the 688 00:32:52,000 --> 00:32:54,480 Speaker 4: money family, learn from that? So we can take a 689 00:32:54,560 --> 00:32:56,600 Speaker 4: leaf out of your book and maybe be a bit 690 00:32:56,640 --> 00:32:58,720 Speaker 4: more positive about our situations. 691 00:32:59,520 --> 00:33:04,240 Speaker 6: Sure, it's it's difficult because, like I said, my parents separated. 692 00:33:04,480 --> 00:33:09,800 Speaker 6: The reason why they separated was like there, you know, 693 00:33:09,840 --> 00:33:12,600 Speaker 6: growing apart whatnot. My dad wanted to move overseas with 694 00:33:12,720 --> 00:33:15,720 Speaker 6: his charity. I was actually supposed to move overseas with 695 00:33:15,840 --> 00:33:19,720 Speaker 6: him and he I think it was about a week 696 00:33:19,840 --> 00:33:21,280 Speaker 6: or two weeks before I was supposed to move over 697 00:33:21,320 --> 00:33:24,320 Speaker 6: to the same country as him, in a in an 698 00:33:24,560 --> 00:33:28,240 Speaker 6: Asian country as well, it actually came out that he'd 699 00:33:28,240 --> 00:33:33,080 Speaker 6: had an affair and I had a brother. Wow, Yeah, 700 00:33:33,120 --> 00:33:36,360 Speaker 6: and so that was that split things up. So that 701 00:33:36,400 --> 00:33:39,400 Speaker 6: was quite traumatic having put all of like I'd signed 702 00:33:39,400 --> 00:33:41,240 Speaker 6: out a school and everything, like I'd put all my 703 00:33:41,280 --> 00:33:44,920 Speaker 6: trust into him as a father to look after me, 704 00:33:45,000 --> 00:33:47,960 Speaker 6: and to then drop that bomb that was difficult to 705 00:33:48,000 --> 00:33:49,840 Speaker 6: them be like, Okay, well I don't actually have that 706 00:33:50,120 --> 00:33:54,520 Speaker 6: person in my life anymore. And obviously it it severed 707 00:33:54,560 --> 00:33:59,640 Speaker 6: a really important figure in my life. So happy to 708 00:33:59,680 --> 00:34:01,800 Speaker 6: say now though, that we have a great relationship. Like 709 00:34:01,840 --> 00:34:04,000 Speaker 6: I went overseas to visit my brother to meet him 710 00:34:04,000 --> 00:34:07,040 Speaker 6: for the first time. Obviously before COVID, it was kind 711 00:34:07,080 --> 00:34:08,960 Speaker 6: of I would go there once a year, they would 712 00:34:09,000 --> 00:34:09,399 Speaker 6: come here. 713 00:34:09,680 --> 00:34:10,000 Speaker 4: Wow. 714 00:34:10,840 --> 00:34:13,160 Speaker 6: Yeah, And so like that was really important to me. 715 00:34:13,440 --> 00:34:17,200 Speaker 6: It took it took seven or eight years for us 716 00:34:17,239 --> 00:34:18,960 Speaker 6: to be able to actually get to that point. 717 00:34:19,560 --> 00:34:22,440 Speaker 4: Understandably, that is a very very large shock. 718 00:34:22,760 --> 00:34:26,160 Speaker 6: Yeah, But I was also really lucky that my dad 719 00:34:26,200 --> 00:34:29,200 Speaker 6: and I had this one significant mutual friend who was 720 00:34:29,280 --> 00:34:32,560 Speaker 6: kind of the mediator between us that helped him understand 721 00:34:32,560 --> 00:34:35,560 Speaker 6: how I felt and helped me understand how he felt. 722 00:34:36,600 --> 00:34:39,840 Speaker 6: So that was that was a key point that I 723 00:34:39,920 --> 00:34:42,040 Speaker 6: was really lucky to have, is that there was somebody 724 00:34:42,040 --> 00:34:45,400 Speaker 6: that was non biased and mutual in the middle that 725 00:34:45,520 --> 00:34:46,840 Speaker 6: was really looking. 726 00:34:46,640 --> 00:34:47,560 Speaker 1: After growth of us. 727 00:34:48,200 --> 00:34:52,080 Speaker 6: Yeah, and so that was I think, like honestly, that 728 00:34:52,160 --> 00:34:56,319 Speaker 6: has been the most significant thing that had happened that 729 00:34:56,440 --> 00:34:58,879 Speaker 6: allowed me to kind of have a different view because 730 00:34:58,920 --> 00:35:02,359 Speaker 6: I had to come to terms of Okay, well, even 731 00:35:02,400 --> 00:35:05,160 Speaker 6: though like my parents were together for so long and 732 00:35:05,440 --> 00:35:07,600 Speaker 6: you know, he made a poor decision and he had 733 00:35:07,600 --> 00:35:10,040 Speaker 6: a family. At the end of the day, it's his life. 734 00:35:10,520 --> 00:35:13,480 Speaker 6: It's not him and his wife and his child's life. Like, 735 00:35:13,520 --> 00:35:16,560 Speaker 6: he has to make the right decision for himself, and 736 00:35:17,080 --> 00:35:19,400 Speaker 6: if that was the right decision for him at that time, 737 00:35:19,480 --> 00:35:21,920 Speaker 6: then I had to accept that, regardless of you know, 738 00:35:22,400 --> 00:35:26,120 Speaker 6: unfortunately it did hurt us, but like it I had 739 00:35:26,160 --> 00:35:28,040 Speaker 6: to accept that because if I wanted to make a 740 00:35:28,080 --> 00:35:30,879 Speaker 6: decision that he didn't agree with, I would still make 741 00:35:30,880 --> 00:35:33,680 Speaker 6: that decision. So it was just hard because I was 742 00:35:33,680 --> 00:35:35,880 Speaker 6: so young. But being able to sort of take that 743 00:35:35,920 --> 00:35:38,799 Speaker 6: time and not be forced, you know, my parents not 744 00:35:38,840 --> 00:35:40,719 Speaker 6: staying together and trying to work it out, like not 745 00:35:40,760 --> 00:35:42,640 Speaker 6: be forced to kind of be in that fighting and 746 00:35:42,640 --> 00:35:46,200 Speaker 6: stuff like that, that really helped me to be able 747 00:35:46,239 --> 00:35:55,000 Speaker 6: to develop I guess, healthy rebonding skills. So I think 748 00:35:55,200 --> 00:35:58,040 Speaker 6: that was probably the biggest thing, was being able to 749 00:35:58,200 --> 00:36:02,800 Speaker 6: have that significant person that long time to create that bond, 750 00:36:02,920 --> 00:36:04,799 Speaker 6: and you know, I kind of look at it as 751 00:36:04,840 --> 00:36:06,359 Speaker 6: if to say, if I can forgive him and move 752 00:36:06,400 --> 00:36:08,560 Speaker 6: on and you know, we don't argue, like we have 753 00:36:08,600 --> 00:36:12,520 Speaker 6: a fantastic relationship. I kind of can implement that into 754 00:36:12,600 --> 00:36:15,280 Speaker 6: other aspects of life too and decide from Wow. 755 00:36:15,400 --> 00:36:16,400 Speaker 1: Yeah, aside from. 756 00:36:16,239 --> 00:36:18,360 Speaker 6: Sort of studying mental health and psychology and stuff like, 757 00:36:18,400 --> 00:36:20,800 Speaker 6: I find myself when I need to have a discussion 758 00:36:21,239 --> 00:36:23,279 Speaker 6: or we're having a disagreement with you know, me and 759 00:36:23,320 --> 00:36:25,200 Speaker 6: my partner, or like me and my mum or whatever, 760 00:36:25,640 --> 00:36:29,400 Speaker 6: I can sit down and actually like not retaliate, Like 761 00:36:29,480 --> 00:36:31,920 Speaker 6: for example, when I was moving, when I was in 762 00:36:31,960 --> 00:36:33,880 Speaker 6: the caravan and I had to actually leave that property 763 00:36:34,400 --> 00:36:38,239 Speaker 6: the person that I was having this quite intense argument with, 764 00:36:38,960 --> 00:36:41,000 Speaker 6: instead of me retaliating to the things that was said, 765 00:36:41,040 --> 00:36:42,520 Speaker 6: I was just like, I understand how you're feeling. I 766 00:36:42,600 --> 00:36:45,120 Speaker 6: understand that I've made you feel that way. Like it 767 00:36:45,160 --> 00:36:47,520 Speaker 6: was just, you know, there was no point in me 768 00:36:47,640 --> 00:36:50,280 Speaker 6: fighting fire with fire. I knew that it was gonna 769 00:36:50,600 --> 00:36:53,480 Speaker 6: end eventually, and you know, I wish I could have 770 00:36:53,520 --> 00:36:55,440 Speaker 6: said things, but it was just there was no point. 771 00:36:55,719 --> 00:36:58,880 Speaker 6: And so I think, yeah, definitely, like not retaliating to 772 00:36:59,760 --> 00:37:02,160 Speaker 6: think that don't need to be retaled because you can't 773 00:37:02,239 --> 00:37:03,640 Speaker 6: argue with someone that's said in their way. 774 00:37:03,760 --> 00:37:06,360 Speaker 1: So yeah, I hope that kind of answered your question. 775 00:37:07,480 --> 00:37:10,760 Speaker 4: I think that's really insightful. And as I said before, 776 00:37:10,920 --> 00:37:14,120 Speaker 4: my friend, you are wise beyond your years, and we 777 00:37:14,160 --> 00:37:17,120 Speaker 4: are so lucky to have been allowed to share your 778 00:37:17,160 --> 00:37:20,319 Speaker 4: money story and your journey, even if it included a 779 00:37:20,360 --> 00:37:22,840 Speaker 4: secret brother that you didn't know about, and you just 780 00:37:22,880 --> 00:37:25,360 Speaker 4: threw that honest at the last minute of your money diary. 781 00:37:25,560 --> 00:37:28,960 Speaker 4: So thank you for that. I think that's really interesting 782 00:37:28,960 --> 00:37:31,320 Speaker 4: if I'm being honest, like, that's such a pivotal piece 783 00:37:32,360 --> 00:37:34,759 Speaker 4: being really pervy though. How old was this brother when 784 00:37:34,800 --> 00:37:37,200 Speaker 4: you found out about them? 785 00:37:38,120 --> 00:37:42,040 Speaker 6: Just under two I think, or just over too, so 786 00:37:42,080 --> 00:37:46,239 Speaker 6: it had been about three years. 787 00:37:45,120 --> 00:37:46,759 Speaker 5: That they'd been seeing each other. 788 00:37:46,920 --> 00:37:52,480 Speaker 6: Wow. Yeah, well, probably longer in seeing each other because they, 789 00:37:53,320 --> 00:37:56,480 Speaker 6: like my dad, had been going overseas for about ten years. Actually, 790 00:37:56,480 --> 00:37:58,400 Speaker 6: it would have been about six years at that time, 791 00:37:59,560 --> 00:38:02,920 Speaker 6: and so they you know, they knew each other quite well. 792 00:38:04,040 --> 00:38:07,920 Speaker 6: I've never really wanted to know the reasons behind it 793 00:38:08,000 --> 00:38:11,520 Speaker 6: or anything like that. Yeah, So because I just feel 794 00:38:11,520 --> 00:38:16,719 Speaker 6: like it's just it's just not hopeful. Yeah, exactly. So yeah, 795 00:38:16,840 --> 00:38:21,359 Speaker 6: it was just yeah, almost just over two almost three, 796 00:38:21,400 --> 00:38:22,960 Speaker 6: I think when we found out so it had been 797 00:38:23,280 --> 00:38:25,280 Speaker 6: it had been on quite some time and my parents 798 00:38:25,320 --> 00:38:28,800 Speaker 6: were still That means that my parents were still together 799 00:38:28,880 --> 00:38:30,600 Speaker 6: when it happened. 800 00:38:31,200 --> 00:38:35,920 Speaker 4: They went, oh wow, so that obviously contributed towards your parents' 801 00:38:35,960 --> 00:38:38,840 Speaker 4: divorce and all of that coming out. Wow, what a 802 00:38:39,000 --> 00:38:42,200 Speaker 4: story and to have gone through all of that. Thank 803 00:38:42,280 --> 00:38:45,399 Speaker 4: you so much for sharing that with us. That is yeah, 804 00:38:45,560 --> 00:38:48,400 Speaker 4: so open and so special, and I'm so grateful that 805 00:38:48,560 --> 00:38:50,319 Speaker 4: each and every single week we get to talk to 806 00:38:50,360 --> 00:38:53,080 Speaker 4: people like you, and that you're so trusting of us 807 00:38:53,160 --> 00:38:56,799 Speaker 4: sharing that story on your behalf because you know those 808 00:38:56,840 --> 00:38:59,279 Speaker 4: words are special in that journey is something that I 809 00:38:59,360 --> 00:39:01,200 Speaker 4: think a lot of it can learn from. I hope 810 00:39:01,239 --> 00:39:02,960 Speaker 4: that I can take a little bit more of your 811 00:39:03,040 --> 00:39:06,600 Speaker 4: mind set on and your old worldliness, which you know 812 00:39:06,680 --> 00:39:10,000 Speaker 4: I really admire. So as always, that is all we 813 00:39:10,120 --> 00:39:12,920 Speaker 4: have time for today, and just before we head off, 814 00:39:12,920 --> 00:39:16,520 Speaker 4: we'd like to acknowledge and pay respect to Australia's Aboriginal 815 00:39:16,600 --> 00:39:20,239 Speaker 4: and torrest Rad Islander peoples. They're the traditional custodians of 816 00:39:20,360 --> 00:39:24,279 Speaker 4: the lands, the waterways and the skies, all across Australia. 817 00:39:24,680 --> 00:39:26,719 Speaker 4: We thank you for sharing and for caring for the 818 00:39:26,800 --> 00:39:29,520 Speaker 4: land on which we are able to learn. We pay 819 00:39:29,560 --> 00:39:32,440 Speaker 4: our respects to elders past and present, and we share 820 00:39:32,440 --> 00:39:34,800 Speaker 4: our friendship and our kindness. 821 00:39:35,280 --> 00:39:37,720 Speaker 3: The advice shared on She's on the Money is generally 822 00:39:37,840 --> 00:39:40,840 Speaker 3: nature and does not consider your individual circumstances. 823 00:39:41,200 --> 00:39:42,279 Speaker 5: She's on the Money. 824 00:39:42,120 --> 00:39:45,320 Speaker 3: Exists purely for educational purposes and should not be relied 825 00:39:45,400 --> 00:39:48,520 Speaker 3: upon to make an investment or financial decision. And we 826 00:39:48,560 --> 00:39:52,120 Speaker 3: promise that Victoria Devine is an authorized representative of Australia 827 00:39:52,160 --> 00:39:55,680 Speaker 3: Pacific Funds Management for prior to limited ABN three four 828 00:39:55,760 --> 00:39:58,839 Speaker 3: one three two four six three two five seven AFSL 829 00:39:58,960 --> 00:39:59,839 Speaker 3: three three nine one. 830 00:40:00,040 --> 00:40:01,279 Speaker 5: I've won See you. 831 00:40:01,239 --> 00:40:04,920 Speaker 4: Next money Diary guys, spree 832 00:40:10,760 --> 00:40:11,160 Speaker 2: Mm hmm