1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:07,280 Speaker 1: woman and I'm here to acknowledge country t Glenn Young 3 00:00:07,320 --> 00:00:11,400 Speaker 1: Ganya Niana, Kaka yah Ya bin Ahaka Nian our gay 4 00:00:11,440 --> 00:00:17,120 Speaker 1: In Nimbini, yakarum Jar Dominyamiga Umagahawaka Woman Damon imlan Mbaban 5 00:00:17,160 --> 00:00:20,040 Speaker 1: Gadabomba in and now in wakah ghan On, yak rum 6 00:00:20,120 --> 00:00:24,560 Speaker 1: Jar water Nadaa. Hello, beautiful friends. We gather on the 7 00:00:24,640 --> 00:00:27,920 Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect 8 00:00:27,960 --> 00:00:30,880 Speaker 1: the Aboriginal people's land that we're gathering on today. Take 9 00:00:30,920 --> 00:00:33,680 Speaker 1: pleasure in all the land and respect all that you see. 10 00:00:34,600 --> 00:00:40,160 Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections, 11 00:00:40,960 --> 00:00:44,560 Speaker 1: bringing you the tools, knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:46,800 Speaker 2: She's on the Money. 13 00:00:47,040 --> 00:00:47,840 Speaker 3: She's on the Money. 14 00:01:07,959 --> 00:01:10,840 Speaker 4: Hello and welcome to She's on the Money, the podcast 15 00:01:10,880 --> 00:01:12,479 Speaker 4: that makes personal finance fun. 16 00:01:12,760 --> 00:01:14,200 Speaker 2: Especially on a Friday. 17 00:01:14,600 --> 00:01:16,400 Speaker 4: It is our favorite day of the week because we 18 00:01:16,600 --> 00:01:20,400 Speaker 4: get our incredible team together to celebrate our incredible community. 19 00:01:21,080 --> 00:01:23,320 Speaker 4: And this week, Miss jessic Riad she is going to 20 00:01:23,319 --> 00:01:25,720 Speaker 4: be sharing our favorite money wins. Miss beck say ed 21 00:01:25,840 --> 00:01:27,840 Speaker 4: She's going to be sharing her broke tips. We're going 22 00:01:27,920 --> 00:01:29,880 Speaker 4: to be helping to answer a money dilemma, but you 23 00:01:29,959 --> 00:01:33,120 Speaker 4: didn't expect that. This week it's all about how to 24 00:01:33,240 --> 00:01:35,479 Speaker 4: handle being burnt out at work and needing a break 25 00:01:35,560 --> 00:01:39,479 Speaker 4: when you've got some financial goals and big responsibilities. Something 26 00:01:39,560 --> 00:01:43,280 Speaker 4: that you slid into my DMS about how do you 27 00:01:43,400 --> 00:01:45,400 Speaker 4: tell your job that you're quitting but still get a 28 00:01:45,440 --> 00:01:49,000 Speaker 4: good reference out of it? Oh tea, I don't know. 29 00:01:49,720 --> 00:01:50,200 Speaker 2: I don't know. 30 00:01:50,680 --> 00:01:51,880 Speaker 5: I think you just should be. 31 00:01:54,440 --> 00:01:56,280 Speaker 4: Before we get there, though, I want to share our 32 00:01:56,320 --> 00:01:59,280 Speaker 4: five star review to just set the tone sound lovely? 33 00:01:59,400 --> 00:02:00,800 Speaker 2: Are you ready? This one's from Jen. 34 00:02:01,360 --> 00:02:03,920 Speaker 4: Jen says I always thought I was great with money 35 00:02:04,080 --> 00:02:05,600 Speaker 4: until I listened to this podcast. 36 00:02:05,720 --> 00:02:06,400 Speaker 2: I'm sorr free. 37 00:02:07,280 --> 00:02:10,240 Speaker 4: It turns out I was really good at not spending money, 38 00:02:10,560 --> 00:02:12,760 Speaker 4: leaving my savings to wither or away in a low 39 00:02:12,919 --> 00:02:17,240 Speaker 4: interest savings account being outpaced by inflation. Since listening and learning, 40 00:02:17,320 --> 00:02:19,680 Speaker 4: I now have twelve thousand dollars in shares and over 41 00:02:19,800 --> 00:02:23,720 Speaker 4: fifty thousand dollars in a high interest savings account for 42 00:02:23,840 --> 00:02:27,079 Speaker 4: my next house deposit. To do that right, next house 43 00:02:27,160 --> 00:02:32,080 Speaker 4: deposit with a property portfolio worth almost a million dollars 44 00:02:32,120 --> 00:02:36,960 Speaker 4: Oh my god, VD and the team make money so approachable. 45 00:02:37,160 --> 00:02:39,480 Speaker 4: I love their inspiring attitudes and the way they make 46 00:02:39,600 --> 00:02:42,000 Speaker 4: money talk accessible for women without any. 47 00:02:41,919 --> 00:02:43,639 Speaker 2: Of the misogynistic bs. 48 00:02:44,320 --> 00:02:46,560 Speaker 4: I've been listening since the beginning, and I'm part of 49 00:02:46,639 --> 00:02:49,239 Speaker 4: the fam for life. Guys, thank you so much for 50 00:02:49,360 --> 00:02:51,519 Speaker 4: all the work you do to change the lives of 51 00:02:51,639 --> 00:02:52,119 Speaker 4: so many. 52 00:02:52,440 --> 00:02:54,040 Speaker 3: Oh my, so lovely. 53 00:02:54,360 --> 00:02:57,400 Speaker 4: Thanks really say, which is like, yep, I've got twelve 54 00:02:57,480 --> 00:03:00,560 Speaker 4: grand in shares. I'm like a slay queen. Sorry, property 55 00:03:00,600 --> 00:03:02,160 Speaker 4: portfolio worth almost. 56 00:03:01,919 --> 00:03:06,000 Speaker 2: A million dollars. I know, that's so cool. Oh my god, 57 00:03:06,480 --> 00:03:09,359 Speaker 2: flex queen, and that's what I mean. Five star reviews 58 00:03:09,400 --> 00:03:12,120 Speaker 2: set the tone just so much more excited. 59 00:03:12,200 --> 00:03:14,560 Speaker 4: I'm like, yes, sorry, look at what we've done where 60 00:03:15,440 --> 00:03:18,560 Speaker 4: we ammed were ready. So with that, let's roll straight 61 00:03:18,600 --> 00:03:20,960 Speaker 4: into the Question of the Week, which is our favorite 62 00:03:21,000 --> 00:03:23,240 Speaker 4: part of Friday drinks, where you guys get to ask 63 00:03:23,400 --> 00:03:26,000 Speaker 4: us one question you are dying to know. It can 64 00:03:26,040 --> 00:03:30,000 Speaker 4: be literally about anything, and from the last few weeks, 65 00:03:30,480 --> 00:03:31,760 Speaker 4: you guys are really taking that live. 66 00:03:31,800 --> 00:03:33,799 Speaker 2: Really, it's fun, it's fun, it's different. 67 00:03:33,840 --> 00:03:36,400 Speaker 4: And I've picked this one because I think it's perfect 68 00:03:36,840 --> 00:03:38,960 Speaker 4: for the first week of summer, which is right now, 69 00:03:39,240 --> 00:03:41,880 Speaker 4: And it's from our friend Jamie, who wants to know, guys, 70 00:03:42,000 --> 00:03:43,560 Speaker 4: what's your favorite way to spend an hour? 71 00:03:43,920 --> 00:03:47,800 Speaker 2: Oh beautiful, that's hard. 72 00:03:47,960 --> 00:03:48,839 Speaker 5: That is a hard one. 73 00:03:49,160 --> 00:03:50,520 Speaker 3: I think it's going to be reading for me. 74 00:03:51,120 --> 00:03:54,520 Speaker 2: Reading. You are so curteous, it's really cute. She's the 75 00:03:54,600 --> 00:03:57,080 Speaker 2: most wholesome person I know nothing more. 76 00:03:57,120 --> 00:03:58,760 Speaker 6: I'm such a homebody, like I love being curled up 77 00:03:58,800 --> 00:04:02,680 Speaker 6: in bed with my kindle doing reading whatever the romanticity 78 00:04:02,720 --> 00:04:03,080 Speaker 6: flavor of. 79 00:04:03,080 --> 00:04:03,600 Speaker 2: The week is. 80 00:04:04,040 --> 00:04:08,440 Speaker 6: Otherwise, I think it like I love exploring, like when 81 00:04:08,480 --> 00:04:10,640 Speaker 6: you're traveling, like walking around and looking at something. I 82 00:04:10,720 --> 00:04:12,320 Speaker 6: don't really know how to verbalize that. I know what 83 00:04:12,400 --> 00:04:14,760 Speaker 6: you mean, you when you're just wondering and you're singing 84 00:04:14,800 --> 00:04:16,520 Speaker 6: and you're learning and all that sort of stuff. 85 00:04:17,080 --> 00:04:19,559 Speaker 3: Yeah, it's my simple answer. 86 00:04:19,640 --> 00:04:20,280 Speaker 4: Have you well? 87 00:04:20,320 --> 00:04:23,640 Speaker 5: I think like it really depends on the weather and 88 00:04:23,760 --> 00:04:25,840 Speaker 5: also am I doing? Am I like spending an hour 89 00:04:25,880 --> 00:04:27,800 Speaker 5: by myself? I'm going to see it by myself just 90 00:04:27,839 --> 00:04:29,640 Speaker 5: to be That was my assumption to you. 91 00:04:29,760 --> 00:04:31,599 Speaker 4: Yes, Oh, it has to be by yourself, by yourself. 92 00:04:31,640 --> 00:04:33,080 Speaker 4: Oh well, that kicks out mine. I'm gonna have to 93 00:04:33,080 --> 00:04:35,320 Speaker 4: think of newy onp anytime. 94 00:04:34,960 --> 00:04:36,360 Speaker 3: With my husband and maybe. 95 00:04:38,320 --> 00:04:40,200 Speaker 2: I like doing cassing to. 96 00:04:40,200 --> 00:04:43,840 Speaker 5: Do kisses honestly, like and something I love to do, 97 00:04:44,000 --> 00:04:45,480 Speaker 5: something I do all the time is just like on 98 00:04:45,600 --> 00:04:47,120 Speaker 5: a really sunny day, I'm going to assume it's a 99 00:04:47,120 --> 00:04:47,520 Speaker 5: sunny day. 100 00:04:47,520 --> 00:04:49,800 Speaker 2: Oh yeah, we like we're finding the perfect hour. 101 00:04:49,920 --> 00:04:53,159 Speaker 5: Absolutely. I'm putting a giant fluffy blanket out on the floor, 102 00:04:53,200 --> 00:04:54,839 Speaker 5: I'm laying on top of it. I'm putting a podcast 103 00:04:54,920 --> 00:04:59,960 Speaker 5: on outside or inside outside, I'm meditating, I'm tanning, I'm. 104 00:05:00,080 --> 00:05:04,000 Speaker 2: Doing not we're not yeah, true, that's true. 105 00:05:04,040 --> 00:05:06,440 Speaker 5: Okay, so what is I'm not tanning, but I am 106 00:05:06,520 --> 00:05:07,080 Speaker 5: laying in the sun. 107 00:05:07,160 --> 00:05:09,400 Speaker 2: So you're wearing safety sps. 108 00:05:09,720 --> 00:05:13,880 Speaker 7: I've wear swifty SPF only nothing else and listening to 109 00:05:13,920 --> 00:05:17,320 Speaker 7: a podcast meditating And also like I'm also doing the 110 00:05:17,320 --> 00:05:20,680 Speaker 7: same thing where I'm kind of like exploring in the grass. 111 00:05:20,800 --> 00:05:22,320 Speaker 5: I like to eat grass. I know it's really weird, 112 00:05:22,320 --> 00:05:24,159 Speaker 5: but I really like the texture of grass. So I'm 113 00:05:24,400 --> 00:05:28,120 Speaker 5: I'm using, I'm looking through the grass. I'm just like picking. 114 00:05:28,360 --> 00:05:30,320 Speaker 5: I'm just like being one with the world, one with 115 00:05:30,440 --> 00:05:32,440 Speaker 5: the earth, you know, for for an hour. 116 00:05:32,480 --> 00:05:34,120 Speaker 3: I don't realize we could add so many things on. 117 00:05:34,400 --> 00:05:38,599 Speaker 2: Sorry, because I feel like, what are you doing while 118 00:05:38,600 --> 00:05:39,320 Speaker 2: you're reading. 119 00:05:39,440 --> 00:05:43,040 Speaker 3: At the beach, but like enjoying the warmth, listening to 120 00:05:43,080 --> 00:05:44,320 Speaker 3: the water. There's no one else there. 121 00:05:44,320 --> 00:05:46,480 Speaker 2: Me, no one else there, no one else. Have you 122 00:05:46,520 --> 00:05:47,479 Speaker 2: got to conquer a drink? 123 00:05:47,720 --> 00:05:48,240 Speaker 3: Absolutely? 124 00:05:48,240 --> 00:05:51,920 Speaker 6: I've got a big water and a slurpy and like 125 00:05:52,040 --> 00:05:53,680 Speaker 6: a punet of strawberries migration. 126 00:05:54,839 --> 00:05:58,000 Speaker 2: Actually right, So what are you snacking on? 127 00:05:59,160 --> 00:06:02,680 Speaker 5: I've got a bag of ball to fixed and water. 128 00:06:02,880 --> 00:06:04,480 Speaker 2: Okay, all right, yeah that's gone. 129 00:06:04,720 --> 00:06:07,720 Speaker 4: Now would you guys like to add any additional layers 130 00:06:07,760 --> 00:06:09,000 Speaker 4: to these hours that you're having? 131 00:06:10,680 --> 00:06:11,680 Speaker 3: I trust a little come to you. 132 00:06:13,080 --> 00:06:16,120 Speaker 4: Okay, okay, you guys are actually like you put a 133 00:06:16,160 --> 00:06:18,160 Speaker 4: lot of layers. Yeah, a lot of layers, but you're 134 00:06:18,279 --> 00:06:22,320 Speaker 4: very budget friendly. Sorry you said dream hour. I am 135 00:06:22,480 --> 00:06:26,920 Speaker 4: marching my way down to Aurora, spar In Sorrento, and 136 00:06:27,240 --> 00:06:31,120 Speaker 4: I am having like I've only got an hour, but 137 00:06:31,240 --> 00:06:33,200 Speaker 4: I'm using that whole hour for one. 138 00:06:33,120 --> 00:06:34,440 Speaker 2: Of their full body massages. 139 00:06:34,600 --> 00:06:36,040 Speaker 3: Oh so it's massaging me on the beach. 140 00:06:36,839 --> 00:06:38,480 Speaker 2: Yeah okay, yeah, actually. 141 00:06:40,080 --> 00:06:41,040 Speaker 5: I have a missus as well. 142 00:06:41,120 --> 00:06:43,320 Speaker 2: Oh okay, yeah yeah yeah. Good layers, good layers. 143 00:06:43,360 --> 00:06:45,240 Speaker 3: But are you doing like a multi treatment? They're doing 144 00:06:45,320 --> 00:06:45,920 Speaker 3: like your whole body. 145 00:06:45,960 --> 00:06:48,480 Speaker 4: I've only gotten an hour, and like, I am the 146 00:06:48,560 --> 00:06:51,520 Speaker 4: type of person that like, in my head, the massage 147 00:06:51,520 --> 00:06:54,760 Speaker 4: always goes too quick. So like in a perfect world, 148 00:06:54,839 --> 00:06:57,680 Speaker 4: stretching this out, I get the ninety minute, So I've 149 00:06:57,680 --> 00:07:00,840 Speaker 4: got ninety minutes. If you've given me an afternoon, perhaps 150 00:07:01,560 --> 00:07:03,760 Speaker 4: I'm also then going into their bath house after. I 151 00:07:03,800 --> 00:07:06,039 Speaker 4: don't want to do the bath house first. I want 152 00:07:06,080 --> 00:07:08,799 Speaker 4: to do the massage first, then the bath house because 153 00:07:09,040 --> 00:07:12,400 Speaker 4: the massage gets me like all relaxed and zen, and 154 00:07:12,480 --> 00:07:14,680 Speaker 4: then I can sit in the bath and sit in 155 00:07:14,760 --> 00:07:17,360 Speaker 4: all of the likes bars and just be like that 156 00:07:17,560 --> 00:07:18,520 Speaker 4: was the best massage. 157 00:07:18,520 --> 00:07:19,280 Speaker 5: I feel so sad. 158 00:07:19,680 --> 00:07:22,040 Speaker 4: I'm having a little herbal tea after I come out. 159 00:07:22,120 --> 00:07:24,440 Speaker 4: Oh my god, you guys didn't say that there was 160 00:07:24,440 --> 00:07:24,880 Speaker 4: a budget. 161 00:07:24,960 --> 00:07:25,360 Speaker 2: That's true. 162 00:07:25,720 --> 00:07:27,720 Speaker 4: I say, how are you spending an hour if you 163 00:07:27,840 --> 00:07:31,280 Speaker 4: have no money to spend I'm assuming someone else is 164 00:07:31,320 --> 00:07:33,360 Speaker 4: spending in Australia. 165 00:07:33,760 --> 00:07:34,960 Speaker 2: Oh yeah, yeah, yeah, I. 166 00:07:35,000 --> 00:07:37,520 Speaker 3: Want to be to the south of France all of 167 00:07:37,560 --> 00:07:38,640 Speaker 3: the aforementioned things. 168 00:07:39,960 --> 00:07:41,400 Speaker 2: I feel like, that's a fun question. 169 00:07:41,520 --> 00:07:42,200 Speaker 3: That's a great question. 170 00:07:42,320 --> 00:07:43,280 Speaker 2: Yeah, that's you guys. 171 00:07:43,240 --> 00:07:45,400 Speaker 4: Really took that and ran with that. Did you notice 172 00:07:45,440 --> 00:07:50,160 Speaker 4: none of us were investing? Is true everyday reality. Well, exactly, 173 00:07:50,160 --> 00:07:51,520 Speaker 4: I'm on the grind exactly. 174 00:07:51,760 --> 00:07:54,080 Speaker 5: We want to have a break from investing. 175 00:07:54,160 --> 00:07:57,080 Speaker 4: Miss Jessica money wins and confessions from the community. I 176 00:07:57,120 --> 00:08:00,200 Speaker 4: think we should segue over there. Just otherwise, we are 177 00:08:00,280 --> 00:08:03,720 Speaker 4: gonna start building entire realities in this hour that we 178 00:08:04,560 --> 00:08:05,560 Speaker 4: didn't even actually get. 179 00:08:05,920 --> 00:08:06,720 Speaker 2: We really will. 180 00:08:06,920 --> 00:08:08,280 Speaker 3: Well this week, I've got eight money in. 181 00:08:08,400 --> 00:08:10,600 Speaker 6: Firstly from Katie, who said she had a really fun 182 00:08:10,680 --> 00:08:14,960 Speaker 6: outing to her local crop swap group gathering. Katie said 183 00:08:15,000 --> 00:08:16,880 Speaker 6: she picked up a whole bunch of free plants and 184 00:08:17,000 --> 00:08:19,640 Speaker 6: kit for the balcony vegetable garden that she's working on. 185 00:08:19,960 --> 00:08:21,560 Speaker 2: Cue it's a fantastic community. 186 00:08:21,600 --> 00:08:23,600 Speaker 6: She's learning a lot and getting a lot of really 187 00:08:23,640 --> 00:08:27,360 Speaker 6: great tangible resources. And then somebody else, Simone replied and said, 188 00:08:27,400 --> 00:08:28,960 Speaker 6: love these. We have a monthly food swap in our 189 00:08:29,000 --> 00:08:32,120 Speaker 6: neighborhood to folk bring garden produce or baked treats and 190 00:08:32,160 --> 00:08:33,160 Speaker 6: everyone shares and chats. 191 00:08:33,520 --> 00:08:33,760 Speaker 8: Cool. 192 00:08:33,880 --> 00:08:34,440 Speaker 5: That's really cute. 193 00:08:35,160 --> 00:08:37,160 Speaker 3: Literally, I would have sign up from these. That sounds delightful. 194 00:08:37,400 --> 00:08:41,000 Speaker 2: Contract we sure can't have a village to be a village. 195 00:08:41,160 --> 00:08:41,720 Speaker 3: It's true. 196 00:08:41,960 --> 00:08:44,839 Speaker 6: I heard we'll workshop this and next I've got a 197 00:08:44,880 --> 00:08:47,160 Speaker 6: money in from Money who said she made banana bread 198 00:08:47,200 --> 00:08:50,199 Speaker 6: with bananas that would have been chucked out. Delightful, perfect, 199 00:08:50,400 --> 00:08:53,440 Speaker 6: good way to make sure reduce, reuse, recycle absolutely. Next, 200 00:08:53,480 --> 00:08:56,720 Speaker 6: I've got another food one with money loss from Madison, 201 00:08:56,760 --> 00:09:00,160 Speaker 6: who spent said she spent fifteen dollars on making your 202 00:09:00,240 --> 00:09:02,600 Speaker 6: soup and then bought more stuff to try and fix 203 00:09:02,640 --> 00:09:04,880 Speaker 6: it when it wasn't good. It was absolutely terrible. So 204 00:09:05,000 --> 00:09:07,000 Speaker 6: she said she made fifteen dollars soup for the chicken 205 00:09:07,040 --> 00:09:09,880 Speaker 6: to tw eat. And I like to think of my mind, 206 00:09:09,960 --> 00:09:10,840 Speaker 6: is the chickens being like. 207 00:09:11,080 --> 00:09:15,960 Speaker 2: We're it in good tonight. Yeah, that's so cute, clarious. 208 00:09:16,520 --> 00:09:19,319 Speaker 6: And then lastly this week, I've got a money in 209 00:09:19,600 --> 00:09:22,120 Speaker 6: from Rihanna, who said money in. I got a promotion 210 00:09:22,200 --> 00:09:24,960 Speaker 6: at my work and a twenty thousand dollars pay increase. 211 00:09:25,280 --> 00:09:28,559 Speaker 6: I've applied for this role twice previously and was unsuccessful, 212 00:09:28,840 --> 00:09:31,280 Speaker 6: but finally I've made it, sorry. 213 00:09:32,360 --> 00:09:33,600 Speaker 2: Paid off exactly. 214 00:09:33,760 --> 00:09:35,280 Speaker 3: Congratulations, It's so exciting. 215 00:09:35,800 --> 00:09:39,079 Speaker 4: Your first note is your first no, not the ultimate outcome, 216 00:09:39,240 --> 00:09:44,000 Speaker 4: exactly right, exactly. Your first no is your next yes 217 00:09:44,440 --> 00:09:46,679 Speaker 4: unless it comes to consent, and which case no is no. 218 00:09:46,960 --> 00:09:47,360 Speaker 2: Exactly. 219 00:09:47,440 --> 00:09:48,280 Speaker 5: Well, that's exactly right. 220 00:09:48,400 --> 00:09:50,200 Speaker 2: But if it's your boss saying no to a pay rise, 221 00:09:50,679 --> 00:09:52,280 Speaker 2: that means not right now, no, right now? 222 00:09:52,400 --> 00:09:52,600 Speaker 4: Yeah? 223 00:09:52,679 --> 00:09:55,400 Speaker 5: Oh absolutely, So do you guys want to hear some 224 00:09:55,559 --> 00:09:56,120 Speaker 5: brick tips? 225 00:09:56,200 --> 00:09:56,240 Speaker 9: No? 226 00:09:56,400 --> 00:09:57,520 Speaker 3: Not really, absolutely fa. 227 00:10:00,000 --> 00:10:03,320 Speaker 2: I am very ready. Did you liberate them from Jess 228 00:10:03,400 --> 00:10:03,760 Speaker 2: this week? 229 00:10:06,800 --> 00:10:09,920 Speaker 5: I may have like liberated a few that I turned 230 00:10:09,920 --> 00:10:10,880 Speaker 5: into my own ideas. 231 00:10:11,000 --> 00:10:12,400 Speaker 2: Okay, all right, I'm ready to hear them. 232 00:10:12,760 --> 00:10:15,560 Speaker 5: So this first one comes from Devesh, who says it's 233 00:10:15,600 --> 00:10:19,320 Speaker 5: a perfect reminder that basically we're entering summer at festival season, 234 00:10:19,840 --> 00:10:22,400 Speaker 5: and if you want to go to your Meredith's, your 235 00:10:22,440 --> 00:10:27,719 Speaker 5: Golden planes, your straw very coded. Absolutely, Devesh, you know 236 00:10:27,800 --> 00:10:30,160 Speaker 5: me so well what you can do. And I think 237 00:10:30,200 --> 00:10:32,200 Speaker 5: that we've mentioned something similar before, but I just wanted 238 00:10:32,240 --> 00:10:34,800 Speaker 5: to like bring it up because I just got an 239 00:10:34,800 --> 00:10:37,640 Speaker 5: email about it. You can register to be a volunteer. 240 00:10:37,679 --> 00:10:39,839 Speaker 5: I don't know if you'll get approved or not. But 241 00:10:40,000 --> 00:10:43,400 Speaker 5: not just volunteering, there are food trucks that go there 242 00:10:43,520 --> 00:10:46,400 Speaker 5: are other little bits and pieces you can I got 243 00:10:46,440 --> 00:10:48,840 Speaker 5: a job literally just for the weekend in a Burger 244 00:10:48,880 --> 00:10:50,760 Speaker 5: truck so I can get to I can't remember what 245 00:10:50,840 --> 00:10:52,599 Speaker 5: festival it was a few years ago, but then you 246 00:10:52,880 --> 00:10:56,599 Speaker 5: then you're just in there for free exactly, and you 247 00:10:56,720 --> 00:10:58,960 Speaker 5: probably do go to bring some stuff. Maybe see if 248 00:10:59,000 --> 00:11:00,600 Speaker 5: some friends are going, you can like camp with them. 249 00:11:00,920 --> 00:11:03,120 Speaker 5: But otherwise you get a free ticket, and that ticket 250 00:11:03,240 --> 00:11:07,320 Speaker 5: is not cheap. So registered to volunteer or and if 251 00:11:07,360 --> 00:11:10,480 Speaker 5: you can't, he to get accepted. See who's actually going 252 00:11:10,600 --> 00:11:12,679 Speaker 5: to be there, like burger trucks and things like that, 253 00:11:13,080 --> 00:11:15,760 Speaker 5: and try and like apply for like a casual that's 254 00:11:15,800 --> 00:11:18,720 Speaker 5: really some job very and then you also make some money. 255 00:11:19,200 --> 00:11:19,640 Speaker 3: We love that. 256 00:11:19,920 --> 00:11:21,120 Speaker 5: We love making money. 257 00:11:21,400 --> 00:11:22,880 Speaker 2: And so that is from de Besh. 258 00:11:22,960 --> 00:11:25,319 Speaker 5: I thank you so much to Besh. And the sex 259 00:11:25,400 --> 00:11:28,199 Speaker 5: one comes from Robin, who has a genius tip to 260 00:11:28,320 --> 00:11:30,440 Speaker 5: curve spending. She says that when she feels like spending, 261 00:11:30,520 --> 00:11:33,000 Speaker 5: she heads to the secondhand shop, looks around and says, 262 00:11:33,520 --> 00:11:35,120 Speaker 5: this all used to be money. 263 00:11:35,520 --> 00:11:37,160 Speaker 4: Oh I saw someone say this on TikTok and it 264 00:11:37,360 --> 00:11:39,360 Speaker 4: really sent me for six I've been doing that with 265 00:11:39,480 --> 00:11:40,520 Speaker 4: my wardrobe recently. 266 00:11:40,920 --> 00:11:41,760 Speaker 2: I didn't fully get it. 267 00:11:42,040 --> 00:11:44,280 Speaker 4: So so you just look at everything in your wardrobe 268 00:11:44,280 --> 00:11:47,080 Speaker 4: and go this at one point was cash in my bank. 269 00:11:47,760 --> 00:11:48,880 Speaker 2: I've chosen this instead. 270 00:11:49,000 --> 00:11:49,760 Speaker 3: Did you go on TikTok? 271 00:11:49,800 --> 00:11:51,719 Speaker 6: I think did a beauty cabinet or something, or maybe 272 00:11:51,720 --> 00:11:53,559 Speaker 6: it's closed and she just had a pile of stuff 273 00:11:53,640 --> 00:11:54,959 Speaker 6: that presumably she'd cleaned out. 274 00:11:55,120 --> 00:11:57,120 Speaker 3: She wasn't using it or whatever. She's just like this 275 00:11:57,520 --> 00:11:59,439 Speaker 3: was money, and it's like you just look at me, 276 00:12:00,160 --> 00:12:00,840 Speaker 3: and I'm. 277 00:12:00,720 --> 00:12:03,839 Speaker 5: A you know, yeah, true, it's crazy. That's such a 278 00:12:03,960 --> 00:12:05,079 Speaker 5: good way to do that. 279 00:12:05,320 --> 00:12:08,920 Speaker 6: Like we don't need ten different hoistras or five different 280 00:12:09,080 --> 00:12:10,280 Speaker 6: yeah white T shirts or. 281 00:12:10,240 --> 00:12:10,760 Speaker 3: Whatever it is. 282 00:12:11,120 --> 00:12:15,360 Speaker 5: Yeah, that's so true, gorgeous Robin, thank you. And my 283 00:12:15,520 --> 00:12:18,280 Speaker 5: one is it's not really a brogue tip. It's more 284 00:12:18,320 --> 00:12:20,240 Speaker 5: of just like a tip in general, I would say, 285 00:12:20,360 --> 00:12:22,520 Speaker 5: because right now, like I know, I've meant this already, 286 00:12:22,559 --> 00:12:26,559 Speaker 5: but Jess's birthday, she really likes expensive beings, and in 287 00:12:26,640 --> 00:12:29,680 Speaker 5: particular who I've mentioned already, Kyla Lailoor, the fashion designer. 288 00:12:29,840 --> 00:12:32,120 Speaker 5: What I've done is just like Google image searched every 289 00:12:32,160 --> 00:12:35,120 Speaker 5: single piece that I can find, and try and find 290 00:12:35,160 --> 00:12:38,000 Speaker 5: those pieces on like deep hop or Facebook, marketplace or 291 00:12:38,600 --> 00:12:40,559 Speaker 5: even just like things that look similar. And I'm not 292 00:12:40,600 --> 00:12:42,959 Speaker 5: trying to like do like a doup kind of situation, 293 00:12:43,520 --> 00:12:46,040 Speaker 5: but honestly, if you can find a similar item of 294 00:12:46,080 --> 00:12:48,000 Speaker 5: clothing and it's kind of cool, like, just do that. 295 00:12:48,400 --> 00:12:52,480 Speaker 5: So my tip for you is, no matter what you're buying, 296 00:12:52,800 --> 00:12:55,160 Speaker 5: always Google image search it because you might find a 297 00:12:55,240 --> 00:12:57,000 Speaker 5: cheap alternative. You might find it on deep Pop, you 298 00:12:57,080 --> 00:12:59,480 Speaker 5: might find it on Facebook Marketplace, because all those things 299 00:12:59,559 --> 00:13:01,319 Speaker 5: do show up in the Google image search as well. 300 00:13:01,480 --> 00:13:03,880 Speaker 4: Jess, you sent me a dupe website yesterday. 301 00:13:04,120 --> 00:13:05,760 Speaker 6: Oh yes, we were talking about it in the group 302 00:13:05,840 --> 00:13:08,559 Speaker 6: chat we put for furniture specifically because. 303 00:13:08,320 --> 00:13:11,400 Speaker 4: I like your familiar And then I was like, if 304 00:13:11,440 --> 00:13:13,439 Speaker 4: you borrowed this from Jess, and then you hadn't I know? 305 00:13:13,559 --> 00:13:14,440 Speaker 2: She actually did not true. 306 00:13:15,600 --> 00:13:19,640 Speaker 4: Yesterday we were talking about couches, yes, hysterically and how 307 00:13:19,720 --> 00:13:22,079 Speaker 4: expensive couches can be yes, and Jess was like, the 308 00:13:22,120 --> 00:13:25,280 Speaker 4: couch I've picked out is astronomically expensive, but I want 309 00:13:25,360 --> 00:13:27,959 Speaker 4: this vibe still, And so we're having this group chat. 310 00:13:28,040 --> 00:13:31,000 Speaker 4: This is what happens. We have a on Slack, which 311 00:13:31,080 --> 00:13:34,560 Speaker 4: is our internal work messenger. We have a group chat 312 00:13:34,920 --> 00:13:37,040 Speaker 4: where everybody in the team is in it. It's just 313 00:13:37,080 --> 00:13:39,440 Speaker 4: called the water cooler because we started blowing up all 314 00:13:39,480 --> 00:13:42,079 Speaker 4: of like our other areas and other group chats that 315 00:13:42,160 --> 00:13:44,920 Speaker 4: were meant for important things with our drivel. So that's 316 00:13:44,920 --> 00:13:47,559 Speaker 4: where our drivell goes. Anyway, I learned so much from 317 00:13:47,600 --> 00:13:48,040 Speaker 4: that thread. 318 00:13:48,120 --> 00:13:48,800 Speaker 3: I love that thread. 319 00:13:49,160 --> 00:13:52,080 Speaker 6: Yeah, Brookshetter, it's dupe dot com great for finding furniture, 320 00:13:52,240 --> 00:13:53,240 Speaker 6: very similar concept. 321 00:13:53,559 --> 00:13:56,040 Speaker 3: Yes, you might have mentioned it before. 322 00:13:56,040 --> 00:13:57,920 Speaker 5: I'm not sure, yes, Because what you can do also 323 00:13:58,080 --> 00:13:59,520 Speaker 5: is you don't even have to go to the website. 324 00:13:59,559 --> 00:14:01,199 Speaker 5: You can put doop dot com. I think at the 325 00:14:01,320 --> 00:14:04,920 Speaker 5: start of the URL on a site that you're looking at, 326 00:14:05,040 --> 00:14:06,360 Speaker 5: like say it's like here or something like that, you 327 00:14:06,480 --> 00:14:08,800 Speaker 5: put at the start and it will find a dood 328 00:14:08,880 --> 00:14:09,120 Speaker 5: for you. 329 00:14:10,080 --> 00:14:11,600 Speaker 2: Because I'm looking at finish that right now. 330 00:14:11,640 --> 00:14:15,040 Speaker 6: A budget is not budgeting, No, it's so we will 331 00:14:15,040 --> 00:14:19,520 Speaker 6: be doing gorgeous but also why not absolutely? 332 00:14:19,840 --> 00:14:23,360 Speaker 2: Yeah, that's me for this week. That's that all right. 333 00:14:23,440 --> 00:14:24,640 Speaker 4: Well, what we're going to do is go to a 334 00:14:24,720 --> 00:14:26,680 Speaker 4: really quick break because on the flip side, we're going 335 00:14:26,720 --> 00:14:28,640 Speaker 4: to be talking about what do you do and how 336 00:14:28,680 --> 00:14:30,960 Speaker 4: do you handle being burnt out at work and needing 337 00:14:31,000 --> 00:14:32,840 Speaker 4: a break when you've got a whole heap of financial 338 00:14:32,880 --> 00:14:35,960 Speaker 4: goals and responsibilities and then you slid into my DMS 339 00:14:36,040 --> 00:14:38,680 Speaker 4: this week? How do you tell your job that you're 340 00:14:38,720 --> 00:14:41,040 Speaker 4: quitting but then also come out the other side with 341 00:14:41,120 --> 00:14:43,680 Speaker 4: a good reference, so guys don't go anywhere. 342 00:14:47,800 --> 00:14:50,600 Speaker 3: Welcome back, everybody. Let's take a listen to this week's 343 00:14:50,800 --> 00:14:51,560 Speaker 3: money dilemma. 344 00:14:53,840 --> 00:14:56,160 Speaker 2: Hi, there, have you got a money dilemma you just 345 00:14:56,240 --> 00:14:58,280 Speaker 2: can't solve. The She's on the Money. 346 00:14:58,040 --> 00:15:01,480 Speaker 9: Team is here to help every We tackle your dilemmas, 347 00:15:01,520 --> 00:15:04,240 Speaker 9: both big and small, to answer your most burning money, 348 00:15:04,360 --> 00:15:07,400 Speaker 9: career and life questions. To get involved, simply head to 349 00:15:07,480 --> 00:15:09,760 Speaker 9: our website and leave us a short voice recording and 350 00:15:09,840 --> 00:15:11,480 Speaker 9: you might just find yourself on the show. 351 00:15:11,960 --> 00:15:14,560 Speaker 2: Now, let's take a listen to this week's money dilemma. 352 00:15:17,120 --> 00:15:21,120 Speaker 8: Hi, She's on the Money. I have a money dilemma. 353 00:15:21,800 --> 00:15:26,000 Speaker 8: So my partner and I are looking to buy our 354 00:15:26,120 --> 00:15:33,200 Speaker 8: first house. He's just finished his qualifications and we've been 355 00:15:33,240 --> 00:15:36,800 Speaker 8: waiting until he finishes. You need to be able to 356 00:15:37,120 --> 00:15:42,320 Speaker 8: be in a position to finish saving and go buy 357 00:15:42,360 --> 00:15:46,400 Speaker 8: a house. We both live with our parents at the moment, 358 00:15:47,040 --> 00:15:49,400 Speaker 8: and we're so excited to get into. 359 00:15:49,200 --> 00:15:49,760 Speaker 4: A new house. 360 00:15:50,080 --> 00:15:53,400 Speaker 10: But I've gotten to the point where I'm feeling so 361 00:15:53,760 --> 00:15:57,800 Speaker 10: burned out of work. I really don't know if this 362 00:15:58,000 --> 00:16:01,400 Speaker 10: is the field that I want to any more, and 363 00:16:01,880 --> 00:16:07,200 Speaker 10: I'm thinking about retraining into a different career. But then 364 00:16:07,800 --> 00:16:10,280 Speaker 10: I'm also thinking, should I just stick with it so 365 00:16:10,440 --> 00:16:16,320 Speaker 10: that we can progress and get our house and move forward, 366 00:16:17,040 --> 00:16:20,160 Speaker 10: which is what I've been so excited to do and 367 00:16:20,400 --> 00:16:22,480 Speaker 10: been waiting for him to do, And it just feels 368 00:16:22,480 --> 00:16:25,840 Speaker 10: like such bad timing, and I don't remember to do thanks. 369 00:16:26,320 --> 00:16:30,360 Speaker 4: That is rough because I feel like your personal values 370 00:16:30,440 --> 00:16:35,520 Speaker 4: and your mental health is currently being overshadowed by your 371 00:16:35,560 --> 00:16:38,320 Speaker 4: financial goals, and I just I don't want anyone to 372 00:16:38,360 --> 00:16:39,080 Speaker 4: be in that position. 373 00:16:39,400 --> 00:16:40,800 Speaker 2: I just want you to have your cake and eat 374 00:16:40,800 --> 00:16:43,320 Speaker 2: it too, or do you do yes. 375 00:16:43,720 --> 00:16:46,920 Speaker 6: I think it depends on how much of a pay 376 00:16:47,000 --> 00:16:48,720 Speaker 6: cut you're going to take to move into this new industry, 377 00:16:48,720 --> 00:16:50,320 Speaker 6: because we always say it's never too late. You can 378 00:16:50,400 --> 00:16:52,520 Speaker 6: always make a change if you're not enjoying where you are. 379 00:16:52,560 --> 00:16:54,960 Speaker 6: I think that's absolutely a great choice. So you have 380 00:16:55,040 --> 00:16:57,000 Speaker 6: to consider though, like even if you were to stick 381 00:16:57,040 --> 00:16:59,080 Speaker 6: it out, like let's say you spent another year in 382 00:16:59,160 --> 00:17:01,160 Speaker 6: the same role, because that pays you really well, and 383 00:17:01,280 --> 00:17:03,360 Speaker 6: that will allow you by your first house, and then 384 00:17:03,440 --> 00:17:06,879 Speaker 6: once that's done, the plan is to retrain or reskill 385 00:17:07,040 --> 00:17:10,400 Speaker 6: for a new field. The assumption, the sense that I'm 386 00:17:10,400 --> 00:17:12,400 Speaker 6: getting from what you said is that the new field, 387 00:17:12,400 --> 00:17:14,200 Speaker 6: at least for your entry level, probably will be a 388 00:17:14,280 --> 00:17:16,280 Speaker 6: lower pay rate. You're still going to have to pay 389 00:17:16,320 --> 00:17:18,320 Speaker 6: the same mortgage that you secured when you were on 390 00:17:18,400 --> 00:17:22,639 Speaker 6: your higher pay rate, So it may not be worth 391 00:17:23,080 --> 00:17:25,720 Speaker 6: sticking it out because you're going to have to learn 392 00:17:25,840 --> 00:17:28,480 Speaker 6: to live on that amount of money anyway. Like, yes, 393 00:17:28,560 --> 00:17:31,320 Speaker 6: your serviceability is higher because you're earning more money. 394 00:17:31,320 --> 00:17:32,960 Speaker 4: And you can get in bigger debt, but when you're 395 00:17:32,960 --> 00:17:34,840 Speaker 4: in bigger debt, you got bigger responsibilities. 396 00:17:35,000 --> 00:17:37,760 Speaker 6: Correct, So I don't know. You run the numbers there, 397 00:17:37,800 --> 00:17:39,720 Speaker 6: always say to see what makes sense for you. 398 00:17:40,040 --> 00:17:42,760 Speaker 2: Never numbers I've never heard done in my life. 399 00:17:43,160 --> 00:17:45,879 Speaker 3: Play a little and pad because I think that you 400 00:17:46,000 --> 00:17:46,840 Speaker 3: might be surprised. 401 00:17:46,880 --> 00:17:48,800 Speaker 6: And if that's the case, I would say, well, then 402 00:17:48,800 --> 00:17:51,800 Speaker 6: it's probably not worth putting your mental health further at 403 00:17:51,880 --> 00:17:54,239 Speaker 6: risk to put yourself in a position where you then 404 00:17:54,320 --> 00:17:56,520 Speaker 6: may not even be able to contribute or service the 405 00:17:56,640 --> 00:17:59,080 Speaker 6: loan that you were able to secure because you put 406 00:17:59,080 --> 00:18:00,919 Speaker 6: yourself through the heartslock. 407 00:18:00,600 --> 00:18:00,960 Speaker 3: To get there. 408 00:18:01,040 --> 00:18:03,200 Speaker 2: Yeah, totally, Yeah, that is so true. 409 00:18:03,480 --> 00:18:04,920 Speaker 5: I would say the same thing. I don't think I'll 410 00:18:04,920 --> 00:18:07,920 Speaker 5: ever unless they're like maybe children involved, or like the 411 00:18:08,240 --> 00:18:11,680 Speaker 5: risks are really really high. Not to say that the 412 00:18:11,800 --> 00:18:14,080 Speaker 5: risks aren't high here, but I'm saying, like it's a 413 00:18:14,200 --> 00:18:17,159 Speaker 5: goal that you want to achieve. It's not something that 414 00:18:17,240 --> 00:18:19,800 Speaker 5: you're you would lose, Like you're not going to like 415 00:18:20,720 --> 00:18:23,680 Speaker 5: completely lose the opportunity to reachchhol like you don't have 416 00:18:23,880 --> 00:18:25,399 Speaker 5: to do you don't have to do it, and so 417 00:18:25,520 --> 00:18:27,440 Speaker 5: it's like you could do it later, or you could 418 00:18:27,480 --> 00:18:28,920 Speaker 5: do it. It could take it a little bit longer 419 00:18:28,960 --> 00:18:31,520 Speaker 5: than you expected. But what I'm saying is mental health first, 420 00:18:31,840 --> 00:18:34,840 Speaker 5: always end forever, no matter what that looks like. So 421 00:18:35,080 --> 00:18:37,240 Speaker 5: I would just say, do what you got to do 422 00:18:37,480 --> 00:18:39,639 Speaker 5: and do what makes you happy. If and honestly I 423 00:18:39,880 --> 00:18:41,760 Speaker 5: tell people this too, and I know it's not very responsible, 424 00:18:41,960 --> 00:18:45,280 Speaker 5: but if right now you went into work, you put 425 00:18:45,320 --> 00:18:47,640 Speaker 5: in your resignation and then you started looking for jobs, 426 00:18:47,720 --> 00:18:49,960 Speaker 5: whether they were like cafe jobs or whatever, whatever job 427 00:18:50,000 --> 00:18:52,240 Speaker 5: you can get just to tire you over, would that 428 00:18:52,320 --> 00:18:55,159 Speaker 5: make you feel immediately happier? If so, do it, I 429 00:18:55,200 --> 00:18:58,400 Speaker 5: don't care do it, and so put your mental health first. 430 00:18:58,600 --> 00:19:00,760 Speaker 2: I like the idea of putting your health first. 431 00:19:00,920 --> 00:19:02,959 Speaker 4: I also feel like you feel like there's a lot 432 00:19:03,000 --> 00:19:06,760 Speaker 4: of responsibility if I like reverse this role. If my 433 00:19:06,880 --> 00:19:09,720 Speaker 4: husband came to me and said I'm so burnt out, 434 00:19:10,520 --> 00:19:13,040 Speaker 4: I wouldn't want to be still pushing him to achieve 435 00:19:13,080 --> 00:19:16,200 Speaker 4: our financial goals asap. I'd be like, well, can we 436 00:19:16,359 --> 00:19:18,879 Speaker 4: change the timeline on this. You're clearly not happy in 437 00:19:18,920 --> 00:19:21,240 Speaker 4: your career. You want to change this, and that let's 438 00:19:21,280 --> 00:19:23,119 Speaker 4: do it when we have a bit more financial freedom 439 00:19:23,200 --> 00:19:25,720 Speaker 4: and like the budget that will allow that, because it's 440 00:19:25,720 --> 00:19:28,359 Speaker 4: a different story once quote, life happens, once you have 441 00:19:28,400 --> 00:19:31,280 Speaker 4: a mortgage, once you have kids, once you've got more responsibilities, 442 00:19:31,840 --> 00:19:34,200 Speaker 4: you don't have the freedom and the flexibility that you 443 00:19:34,320 --> 00:19:37,320 Speaker 4: might be afforded right now. And I'm telling you right now, 444 00:19:37,680 --> 00:19:40,800 Speaker 4: your money goals mean literally nothing if by the time 445 00:19:40,880 --> 00:19:43,960 Speaker 4: you achieve them, you can't enjoy them absolutely, Like is 446 00:19:44,040 --> 00:19:46,040 Speaker 4: getting the house then going to be even more of 447 00:19:46,080 --> 00:19:48,000 Speaker 4: a stress, because then you're like, I'm really never going 448 00:19:48,080 --> 00:19:49,959 Speaker 4: to become a nurse, Like and maybe that's the thing 449 00:19:50,000 --> 00:19:52,320 Speaker 4: you really wanted to do, because I can't take a 450 00:19:52,359 --> 00:19:53,840 Speaker 4: pay cut and I can't do this, and I can't 451 00:19:53,840 --> 00:19:55,840 Speaker 4: do that. Now I feel really restricted, and maybe you'll 452 00:19:55,840 --> 00:19:58,880 Speaker 4: become resentful of the goals that you've achieved together. That's 453 00:19:58,960 --> 00:20:00,400 Speaker 4: not the life I want you to li if that's 454 00:20:00,440 --> 00:20:02,480 Speaker 4: not who I want you to become. So I think 455 00:20:02,640 --> 00:20:04,920 Speaker 4: sitting down and talking with your partner about how burnt 456 00:20:04,960 --> 00:20:07,359 Speaker 4: out you are is probably the first step, because they 457 00:20:07,440 --> 00:20:09,080 Speaker 4: might be really logical about it and they go, oh, 458 00:20:09,119 --> 00:20:11,680 Speaker 4: my god, yess, what are we doing trying to buy 459 00:20:11,680 --> 00:20:13,200 Speaker 4: a house by the end of the year then, and 460 00:20:13,280 --> 00:20:16,480 Speaker 4: that's so silly of us. But also, I don't know 461 00:20:16,560 --> 00:20:19,760 Speaker 4: how much you earn, So are there different roles you 462 00:20:19,840 --> 00:20:21,960 Speaker 4: could do that are kind of in the middle that 463 00:20:22,000 --> 00:20:25,080 Speaker 4: would allow you to study and still earn a similar income, 464 00:20:25,480 --> 00:20:27,480 Speaker 4: Like have you done your budget such that you know 465 00:20:27,640 --> 00:20:30,840 Speaker 4: what your contributions to the mortgage would be and how 466 00:20:30,920 --> 00:20:34,399 Speaker 4: you could still provide during that time, Because maybe the 467 00:20:34,480 --> 00:20:37,160 Speaker 4: reason that you are saying I really want to stick 468 00:20:37,200 --> 00:20:38,679 Speaker 4: this job out because it's high paying, is. 469 00:20:38,920 --> 00:20:39,880 Speaker 2: You want to get the deposit. 470 00:20:40,240 --> 00:20:42,119 Speaker 4: But then you're like, oh, but with thee we've already 471 00:20:42,160 --> 00:20:45,040 Speaker 4: done all the maths and the repayments my partner could 472 00:20:45,080 --> 00:20:48,320 Speaker 4: afford on his salary. Then that's a different story again 473 00:20:48,560 --> 00:20:51,040 Speaker 4: than you know, putting your head down for the next 474 00:20:51,119 --> 00:20:53,359 Speaker 4: three months and going, yeah, your mental health is really important, 475 00:20:53,359 --> 00:20:55,679 Speaker 4: but like, let's get this goal ticked off and then 476 00:20:55,720 --> 00:20:58,640 Speaker 4: you can literally quit. I don't know what that looks like. Yeah, 477 00:21:00,000 --> 00:21:01,600 Speaker 4: I think you need to look into it a little 478 00:21:01,600 --> 00:21:03,480 Speaker 4: bit more. But I feel like that's a really important 479 00:21:03,520 --> 00:21:06,200 Speaker 4: one because we should be taking our mental health seriously. 480 00:21:06,640 --> 00:21:08,399 Speaker 2: But you're not going to be surprised. Yes, what you 481 00:21:08,520 --> 00:21:10,160 Speaker 2: to come back down to communication? 482 00:21:10,480 --> 00:21:10,840 Speaker 3: Exactly? 483 00:21:10,840 --> 00:21:14,280 Speaker 4: Crazy crazy, But that's literally like talk with your partner, 484 00:21:14,320 --> 00:21:17,200 Speaker 4: because as much as asking us is very hopefully helpful, 485 00:21:17,640 --> 00:21:19,760 Speaker 4: I need you to work out what that actually logically 486 00:21:19,840 --> 00:21:21,959 Speaker 4: means and pragmatically means it means for your budget. 487 00:21:22,080 --> 00:21:23,840 Speaker 6: Yeah, and I hope you feel better soon. I'm sorry 488 00:21:23,880 --> 00:21:25,880 Speaker 6: that you're feeling burnt out. That's a really hard place 489 00:21:25,920 --> 00:21:26,680 Speaker 6: to find yourself. 490 00:21:26,800 --> 00:21:29,840 Speaker 4: Yeah, so we're sending lots of love and maybe maybe 491 00:21:29,960 --> 00:21:31,440 Speaker 4: check your and you'll leave and see if you could 492 00:21:31,440 --> 00:21:33,520 Speaker 4: take a mini break, oh instead of just like quitting 493 00:21:33,560 --> 00:21:35,920 Speaker 4: your job and changing Yeah, or sickly, there's mental health 494 00:21:36,000 --> 00:21:39,000 Speaker 4: leaf for thousand percent. It's still valid, still valid. Go 495 00:21:39,040 --> 00:21:41,000 Speaker 4: to the doctor, say I need mental health leaf. Can 496 00:21:41,040 --> 00:21:43,639 Speaker 4: you give me a six certificate? They will, Yeah, promise 497 00:21:43,680 --> 00:21:44,840 Speaker 4: make you for many days as well. 498 00:21:44,960 --> 00:21:45,360 Speaker 2: Exactly. 499 00:21:45,680 --> 00:21:47,720 Speaker 4: All right, do you want to slide into my dams 500 00:21:47,760 --> 00:21:49,360 Speaker 4: and see what people have been messaging me this week. 501 00:21:49,400 --> 00:21:50,159 Speaker 2: Oh, I'd love to do. 502 00:21:50,359 --> 00:21:52,120 Speaker 4: All right, So I got this one and I've picked 503 00:21:52,160 --> 00:21:53,800 Speaker 4: it out to go on the show because I'm like. 504 00:21:53,840 --> 00:21:56,520 Speaker 2: Oh, spicy, Hi. I have a little bit of a 505 00:21:56,600 --> 00:21:57,159 Speaker 2: life dilemma. 506 00:21:57,320 --> 00:21:59,920 Speaker 4: My workplace is toxic and I plan on leaving next 507 00:22:00,160 --> 00:22:02,639 Speaker 4: year after our busy period to move in with my 508 00:22:02,720 --> 00:22:06,960 Speaker 4: long distance boyfriend. You should I tell my toxic boss 509 00:22:07,080 --> 00:22:10,199 Speaker 4: now or do I only give the required one month notice. 510 00:22:10,560 --> 00:22:12,680 Speaker 4: I'm worried if I start applying for jobs they'll find 511 00:22:12,720 --> 00:22:16,120 Speaker 4: out because it's a pretty small industry. But I'm also 512 00:22:16,240 --> 00:22:19,000 Speaker 4: worried that they will take my extended notice pretty badly 513 00:22:19,520 --> 00:22:21,600 Speaker 4: as this is my full time job in my career 514 00:22:21,680 --> 00:22:24,160 Speaker 4: post UNI. I would love to use them as a reference, 515 00:22:24,440 --> 00:22:28,280 Speaker 4: but obviously can't until I tell them. Honestly, if I 516 00:22:28,320 --> 00:22:30,560 Speaker 4: could leave tomorrow, I would, but I don't want to 517 00:22:30,600 --> 00:22:33,000 Speaker 4: let my team down as we are entering the busiest 518 00:22:33,119 --> 00:22:36,280 Speaker 4: time of the year. I'm talking heaps of unpaid overtime 519 00:22:36,359 --> 00:22:39,080 Speaker 4: at the moment. I'd love to know what you guys think. 520 00:22:40,119 --> 00:22:42,880 Speaker 2: What do you do back? I think I guess Yeah. 521 00:22:42,920 --> 00:22:44,720 Speaker 5: The tricky thing is because it's quite like a small 522 00:22:44,720 --> 00:22:46,879 Speaker 5: industry and like they might find out that is a 523 00:22:46,920 --> 00:22:48,639 Speaker 5: bit shit. I remember one time I applied for a 524 00:22:48,720 --> 00:22:50,880 Speaker 5: job and I hadn't even got the interview. They haven't 525 00:22:50,880 --> 00:22:53,280 Speaker 5: even called me yet, but they had called my boss 526 00:22:53,280 --> 00:22:54,600 Speaker 5: at the time for a reference. 527 00:22:55,440 --> 00:22:55,920 Speaker 2: And they asked me. 528 00:22:56,000 --> 00:23:00,520 Speaker 5: I know, and I'm sure it is so disrespect It 529 00:23:00,640 --> 00:23:02,560 Speaker 5: was so like I didn't even know who called her. 530 00:23:02,760 --> 00:23:03,359 Speaker 4: I was just I was. 531 00:23:03,440 --> 00:23:05,040 Speaker 5: And I was so scared of her too. She was 532 00:23:05,040 --> 00:23:06,000 Speaker 5: a very scary boss. 533 00:23:06,160 --> 00:23:09,280 Speaker 2: But I just remember be like so inappropriate. It was crazy. 534 00:23:09,440 --> 00:23:11,480 Speaker 5: So it's like I can totally understand the anxiety about 535 00:23:11,480 --> 00:23:12,159 Speaker 5: like not wanting to like. 536 00:23:12,160 --> 00:23:16,480 Speaker 2: Apply it as an employer. I would never I know. 537 00:23:16,760 --> 00:23:18,879 Speaker 2: Oh my god, that's made me so angry on your behalf. 538 00:23:18,920 --> 00:23:21,240 Speaker 2: Oh god, thank you, thank you. 539 00:23:21,440 --> 00:23:22,040 Speaker 7: Okay, I've the. 540 00:23:22,040 --> 00:23:24,320 Speaker 4: People apply for jobs that she's on the money that 541 00:23:24,520 --> 00:23:27,680 Speaker 4: I know through either Other Than the Money podcasts or 542 00:23:27,840 --> 00:23:32,240 Speaker 4: our community or other financial advice businesses, and like I know, 543 00:23:32,680 --> 00:23:34,920 Speaker 4: and then I feel slightly awkward because I know their boss. 544 00:23:35,000 --> 00:23:37,000 Speaker 4: But I'd never tell their boss unless I was planning 545 00:23:37,040 --> 00:23:39,320 Speaker 4: on offering them a role, at which point I'd be like, Jess, 546 00:23:39,320 --> 00:23:41,720 Speaker 4: I'm thinking of offering your role. Can I call up 547 00:23:41,760 --> 00:23:44,280 Speaker 4: my mate X y Z and have a chat about you. 548 00:23:44,760 --> 00:23:48,040 Speaker 4: I would get your consent and you might go, oh, 549 00:23:48,560 --> 00:23:50,679 Speaker 4: they probably not yet, because I'd love to tell him 550 00:23:50,720 --> 00:23:54,160 Speaker 4: that I'm planning on leaving first or whatever, like that's 551 00:23:54,240 --> 00:23:55,000 Speaker 4: not my place. 552 00:23:55,280 --> 00:23:57,840 Speaker 5: Yeah, oh my god, that's so true. Okay, So I 553 00:23:57,920 --> 00:24:00,400 Speaker 5: can understand the anxiety around that. I think I would 554 00:24:01,080 --> 00:24:04,600 Speaker 5: because maybe they ask your references later, or maybe it's 555 00:24:04,640 --> 00:24:06,639 Speaker 5: on your resume or something. But I would not be 556 00:24:06,800 --> 00:24:09,600 Speaker 5: using the most toxic people in the workplace. And I 557 00:24:09,720 --> 00:24:12,040 Speaker 5: know that like people like to call the boss or 558 00:24:12,160 --> 00:24:14,280 Speaker 5: like to call the people that are managing you, but 559 00:24:14,440 --> 00:24:17,320 Speaker 5: I would try, and like I sometimes use personal references 560 00:24:18,000 --> 00:24:21,439 Speaker 5: even if they're colleagues that I work alongside, because personally 561 00:24:21,560 --> 00:24:24,400 Speaker 5: I would I would take the advice from someone who 562 00:24:24,760 --> 00:24:27,480 Speaker 5: is working with you every single day, where they're not 563 00:24:27,600 --> 00:24:30,359 Speaker 5: necessarily managing you, but they know you better than your 564 00:24:30,400 --> 00:24:32,960 Speaker 5: boss does, who sees you probably once a month for 565 00:24:33,600 --> 00:24:36,760 Speaker 5: a whip you know, in a meeting and doesn't know 566 00:24:36,800 --> 00:24:38,879 Speaker 5: your personality, doesn't know anything about you, doesn't know what 567 00:24:39,000 --> 00:24:41,160 Speaker 5: you do day to day. I would much more likely 568 00:24:41,240 --> 00:24:43,280 Speaker 5: take the advice of someone who works with you so 569 00:24:43,440 --> 00:24:45,119 Speaker 5: and not that that's the case for everyone, but I 570 00:24:45,119 --> 00:24:47,560 Speaker 5: would be trying to like find people in the office 571 00:24:47,840 --> 00:24:50,720 Speaker 5: by people you work with that you trust. That maybe 572 00:24:50,800 --> 00:24:52,879 Speaker 5: one is a personal reference, someone you work with, and 573 00:24:52,960 --> 00:24:54,879 Speaker 5: maybe someone's a little bit higher up. They might not 574 00:24:55,000 --> 00:24:57,800 Speaker 5: even necessarily need to be directly above you or directly 575 00:24:57,880 --> 00:25:00,760 Speaker 5: managing you, but just some people that you have as allies, 576 00:25:01,160 --> 00:25:03,840 Speaker 5: as people who will advocate for you. And then I 577 00:25:03,880 --> 00:25:07,639 Speaker 5: would probably I'll tell your workplace when it's time to 578 00:25:07,720 --> 00:25:10,040 Speaker 5: start looking, when you're starting to get stressed about needing 579 00:25:10,080 --> 00:25:12,880 Speaker 5: to find a job. That's the point where I would 580 00:25:12,920 --> 00:25:15,480 Speaker 5: tell them. But I would find some allies first, ahead 581 00:25:15,480 --> 00:25:18,639 Speaker 5: of the curb, and not put your boss, your toxic 582 00:25:18,720 --> 00:25:19,760 Speaker 5: boss down as a reference. 583 00:25:22,119 --> 00:25:22,760 Speaker 2: What are you doing? 584 00:25:22,960 --> 00:25:25,600 Speaker 6: Yeah, I agree, I think that reminder. Your reference doesn't 585 00:25:25,640 --> 00:25:27,960 Speaker 6: have to be your direct manager. It could be someone 586 00:25:28,040 --> 00:25:29,560 Speaker 6: higher than them. It could be someone that you've worked 587 00:25:29,560 --> 00:25:31,440 Speaker 6: with on a project. It could be you know you 588 00:25:31,560 --> 00:25:33,320 Speaker 6: can you get to pick and choose your references. It 589 00:25:33,359 --> 00:25:35,399 Speaker 6: could be whatever you want them to be. Also, you 590 00:25:35,480 --> 00:25:37,760 Speaker 6: don't have to list your references on your CV. So 591 00:25:37,920 --> 00:25:40,159 Speaker 6: my CV it says reference available upon request, and that 592 00:25:40,359 --> 00:25:42,359 Speaker 6: is that's a two thousand percent what I would recommend 593 00:25:42,359 --> 00:25:45,560 Speaker 6: to everybody. It means that you avoid that situation of 594 00:25:45,840 --> 00:25:47,679 Speaker 6: someone being called without your knowledge. 595 00:25:48,280 --> 00:25:50,920 Speaker 4: Also, sorry, I would absolutely be a reference if you 596 00:25:51,000 --> 00:25:52,879 Speaker 4: turned around and said I would like to move on 597 00:25:53,000 --> 00:25:53,840 Speaker 4: from She's on the money. 598 00:25:53,920 --> 00:25:54,440 Speaker 2: Fantastic. 599 00:25:54,720 --> 00:25:56,560 Speaker 4: But would it be okay if you don't put my 600 00:25:56,720 --> 00:25:59,480 Speaker 4: name and my personal number and all my information you 601 00:26:00,240 --> 00:26:02,240 Speaker 4: may that you may be going to spam across the internet. 602 00:26:02,280 --> 00:26:03,080 Speaker 2: Would that be okay? 603 00:26:03,920 --> 00:26:05,760 Speaker 4: Happy to be your reference if they ask you for 604 00:26:05,840 --> 00:26:08,280 Speaker 4: a reference, But like, I don't particularly want my mobile 605 00:26:08,359 --> 00:26:10,560 Speaker 4: number being just sent to random hiring managers. 606 00:26:10,600 --> 00:26:11,520 Speaker 2: No, that's weird. 607 00:26:11,880 --> 00:26:14,640 Speaker 6: Yeah, I think how soon you tell them comes down 608 00:26:14,760 --> 00:26:17,639 Speaker 6: to where the person you have to tell your manager 609 00:26:17,800 --> 00:26:20,920 Speaker 6: or HR whoever it is, where they sit in the 610 00:26:20,960 --> 00:26:23,320 Speaker 6: scheme of the toxicity. Because in your message, you've told 611 00:26:23,400 --> 00:26:25,200 Speaker 6: us that you're doing a lot of overtime and those 612 00:26:25,280 --> 00:26:27,359 Speaker 6: sorts of things, which may mean that maybe you have 613 00:26:27,440 --> 00:26:30,000 Speaker 6: a good relationship with your manager. Yeah, in which case 614 00:26:30,080 --> 00:26:32,320 Speaker 6: I'm of the opinion I think you're doing a great 615 00:26:32,359 --> 00:26:33,840 Speaker 6: thing by working through the busy period. 616 00:26:33,880 --> 00:26:38,000 Speaker 3: That's very considerate. Where you can give advanced notice. 617 00:26:38,119 --> 00:26:41,119 Speaker 6: I think it is really helpful because obviously allows your 618 00:26:41,240 --> 00:26:45,160 Speaker 6: team your managers whoever are to prepare at the same time. 619 00:26:45,200 --> 00:26:47,399 Speaker 3: I know that we've said before you don't owe anybody anything. 620 00:26:47,480 --> 00:26:50,800 Speaker 6: You only are required to give your minimum notice period 621 00:26:50,880 --> 00:26:53,320 Speaker 6: as outlined in you know, whatever your contract is or 622 00:26:53,359 --> 00:26:56,479 Speaker 6: your eeda or whatever that looks like for you. If 623 00:26:56,520 --> 00:26:58,040 Speaker 6: you have a good relationship and you want to look 624 00:26:58,080 --> 00:26:59,440 Speaker 6: after them, which I kind of get the sense that 625 00:26:59,480 --> 00:27:01,680 Speaker 6: you do because you're working through the busy period, I'd 626 00:27:01,680 --> 00:27:04,520 Speaker 6: say it's probably better to say student than later if 627 00:27:04,560 --> 00:27:06,040 Speaker 6: you don't think that that's going to bite you in 628 00:27:06,080 --> 00:27:07,199 Speaker 6: the ass. So like, if you're going to give them 629 00:27:07,240 --> 00:27:08,840 Speaker 6: advance notice and you go, oh, the people in my 630 00:27:08,880 --> 00:27:11,239 Speaker 6: team are going to make my life hell because they 631 00:27:11,359 --> 00:27:13,240 Speaker 6: are like, well, you're leaving and we don't like you, Me, me, 632 00:27:13,240 --> 00:27:15,879 Speaker 6: and MEM, then keep it to your test until you 633 00:27:16,040 --> 00:27:18,520 Speaker 6: have to tell them. It's really hard to say without 634 00:27:18,600 --> 00:27:22,320 Speaker 6: knowing exactly what your relationships are like within that environment. 635 00:27:22,359 --> 00:27:24,680 Speaker 6: And ultimately, I just want you to feel protected and 636 00:27:24,760 --> 00:27:27,120 Speaker 6: safe and looked after. And the last thing I would 637 00:27:27,160 --> 00:27:30,359 Speaker 6: say is that leaving a workplace doesn't have to be 638 00:27:30,440 --> 00:27:33,359 Speaker 6: a negative thing like what you were saying. I would 639 00:27:33,440 --> 00:27:35,720 Speaker 6: hope that you can hand in your resignation and say 640 00:27:36,240 --> 00:27:38,400 Speaker 6: I want to move on to something different, I want 641 00:27:38,440 --> 00:27:40,040 Speaker 6: to try something new, whatever it is that you want 642 00:27:40,080 --> 00:27:42,199 Speaker 6: to say, and the people around you will go, oh, 643 00:27:42,240 --> 00:27:45,000 Speaker 6: my goodness, thank you for everything that you've done for us, Like, 644 00:27:45,160 --> 00:27:47,840 Speaker 6: I'm so excited for your next step. Yeah, Like I 645 00:27:47,920 --> 00:27:49,440 Speaker 6: know that that's always the case. That's very much a 646 00:27:49,520 --> 00:27:53,119 Speaker 6: dream world and everyone's that lucky. But hopefully that can 647 00:27:53,200 --> 00:27:54,119 Speaker 6: be the outcome for you. 648 00:27:54,280 --> 00:27:56,400 Speaker 4: Yeah, and I've got my fingers crossed that that could 649 00:27:56,440 --> 00:27:59,080 Speaker 4: be it. But we know that's not the reality. I mean, 650 00:27:59,200 --> 00:28:02,480 Speaker 4: in our business. I hope that's the experience everyone who 651 00:28:02,560 --> 00:28:06,280 Speaker 4: has quit has had because I'm just grateful, Like I'm 652 00:28:06,320 --> 00:28:09,000 Speaker 4: just grateful that you've been here and that you invested 653 00:28:09,040 --> 00:28:11,600 Speaker 4: into my business and your time and your energy. And 654 00:28:12,040 --> 00:28:14,720 Speaker 4: on the flip side, I'm also acutely aware I'm maybe 655 00:28:14,760 --> 00:28:17,960 Speaker 4: in a different position, but I'm a small business. I 656 00:28:18,480 --> 00:28:21,480 Speaker 4: know that caps exist inside my business in terms of 657 00:28:21,800 --> 00:28:25,000 Speaker 4: professional development, in terms of being able to carve out 658 00:28:25,040 --> 00:28:25,840 Speaker 4: your dream roles. 659 00:28:26,040 --> 00:28:27,119 Speaker 2: Like, don't get me wrong, I. 660 00:28:27,240 --> 00:28:30,159 Speaker 4: Try so hard to push as much as possible, but 661 00:28:30,280 --> 00:28:32,800 Speaker 4: there's going to be a cap, Like I'm not a 662 00:28:32,960 --> 00:28:36,000 Speaker 4: fifty person organization where I can be like, oh, yeah, Jess, 663 00:28:36,080 --> 00:28:38,400 Speaker 4: one day you'll be a massive manager and have ten 664 00:28:38,440 --> 00:28:40,400 Speaker 4: people under you. She turned around and said that was 665 00:28:40,440 --> 00:28:42,520 Speaker 4: one of her goals. I'd be like, I love that 666 00:28:42,640 --> 00:28:45,480 Speaker 4: you want to do that. I don't even have ten employees, and. 667 00:28:45,520 --> 00:28:48,640 Speaker 2: She's on the money. You know people, Yeah, like, where 668 00:28:48,640 --> 00:28:49,320 Speaker 2: are the people? 669 00:28:49,680 --> 00:28:52,240 Speaker 4: I don't know who you're managing, but like, I would 670 00:28:52,240 --> 00:28:54,960 Speaker 4: love to have everybody be able to have those open 671 00:28:55,040 --> 00:28:58,520 Speaker 4: conversations with their team. But I also have seen too 672 00:28:58,600 --> 00:29:01,720 Speaker 4: many toxic things happen, and so my advice would be 673 00:29:01,840 --> 00:29:04,400 Speaker 4: holding your cards close to your chest. I know you're 674 00:29:04,440 --> 00:29:06,280 Speaker 4: moving in and you'd love to move in with your 675 00:29:06,320 --> 00:29:09,200 Speaker 4: long distance boyfriend. Let's pretend it's six months from now. 676 00:29:09,520 --> 00:29:11,520 Speaker 4: I can't tell you what's going to happen in six months. 677 00:29:11,840 --> 00:29:14,520 Speaker 4: I don't think that your boss needs six months of 678 00:29:15,000 --> 00:29:17,120 Speaker 4: heads up for that. You're probably you know, looking for 679 00:29:17,240 --> 00:29:19,440 Speaker 4: jobs and whatnot, and that's fantastic. But I would think 680 00:29:19,880 --> 00:29:21,880 Speaker 4: if you were able to give them a little bit 681 00:29:21,920 --> 00:29:24,840 Speaker 4: more notice than the month, fantastic. Maybe you could give 682 00:29:24,840 --> 00:29:26,200 Speaker 4: them six weeks and be like, hey, I'm going to 683 00:29:26,240 --> 00:29:29,320 Speaker 4: give you six weeks notice. If they're not very kind people, 684 00:29:29,360 --> 00:29:31,320 Speaker 4: they might be really rude and walk you on the 685 00:29:31,400 --> 00:29:34,280 Speaker 4: day that you resign, they still have to pay you that. 686 00:29:34,320 --> 00:29:35,960 Speaker 2: If they do that, they do have to pay you back. 687 00:29:35,960 --> 00:29:37,800 Speaker 4: They might not want you there and might go, oh, 688 00:29:37,880 --> 00:29:40,680 Speaker 4: thanks for the six weeks notice, Jess. Actually we're just 689 00:29:40,760 --> 00:29:42,440 Speaker 4: going to fall back on that four and only pay 690 00:29:42,480 --> 00:29:45,480 Speaker 4: you for four in lieu of notice, and then you're 691 00:29:45,520 --> 00:29:48,440 Speaker 4: worse off again. So I think it's also in delivery. 692 00:29:48,920 --> 00:29:51,840 Speaker 4: So it's not about the fact that you're quitting. I 693 00:29:51,920 --> 00:29:54,520 Speaker 4: think it's about what you do in those four weeks 694 00:29:54,760 --> 00:29:58,840 Speaker 4: after you have quit. Are you supporting the team still 695 00:29:59,000 --> 00:30:01,680 Speaker 4: or are you completely mentally checked out? Are you sitting 696 00:30:01,720 --> 00:30:04,479 Speaker 4: down and going all right, well, Jess, I'm leaving. How 697 00:30:04,560 --> 00:30:07,240 Speaker 4: can I best support you? Here's my hand overleased, here's 698 00:30:07,280 --> 00:30:09,560 Speaker 4: all of the contacts. I am setting you up for 699 00:30:09,680 --> 00:30:14,120 Speaker 4: the greatest amount of success so that my absence isn't 700 00:30:14,360 --> 00:30:17,040 Speaker 4: detrimental to the business. You're asking your boss what you 701 00:30:17,120 --> 00:30:19,360 Speaker 4: can do, how you can support you during that period. 702 00:30:19,640 --> 00:30:21,600 Speaker 4: I think is the most constructive thing that you can do, 703 00:30:22,000 --> 00:30:24,040 Speaker 4: and that's what's going to lead to a good reference. 704 00:30:24,680 --> 00:30:28,080 Speaker 4: But as someone who also hires people, I have never 705 00:30:28,200 --> 00:30:30,720 Speaker 4: asked for nor would I ever expect a reference from 706 00:30:30,760 --> 00:30:31,880 Speaker 4: your current organization. 707 00:30:32,360 --> 00:30:34,680 Speaker 5: Iigue, yeah, never like I would. 708 00:30:35,240 --> 00:30:37,880 Speaker 4: I'd love the pervy deeds, but like, sorry, I'm assuming 709 00:30:37,880 --> 00:30:41,080 Speaker 4: your boss doesn't know that you're leaving. Yeah, and there's 710 00:30:41,160 --> 00:30:43,240 Speaker 4: probably a good reason as to why you're leaving. And 711 00:30:43,320 --> 00:30:46,080 Speaker 4: in your interview, I'm going to be asking I'm going 712 00:30:46,160 --> 00:30:47,880 Speaker 4: to be like, hey, so what's making you want to 713 00:30:47,880 --> 00:30:49,600 Speaker 4: move on from this business? And I can get a 714 00:30:49,640 --> 00:30:53,040 Speaker 4: gauge and like that's another like maybe we need to 715 00:30:53,080 --> 00:30:55,719 Speaker 4: do more career podcasts or something on how to interview 716 00:30:55,800 --> 00:30:57,640 Speaker 4: what that looks like. We've done some before, But I 717 00:30:57,760 --> 00:31:00,480 Speaker 4: just I think that there's so many questions around this 718 00:31:00,600 --> 00:31:02,880 Speaker 4: at the moment that I just go for me, it's 719 00:31:02,920 --> 00:31:05,200 Speaker 4: not that you're quitting, it's how you handle yourself after 720 00:31:05,240 --> 00:31:07,720 Speaker 4: you quit, and quitting in a really respectful way and 721 00:31:07,800 --> 00:31:10,200 Speaker 4: not going hey, don't get me wrong, they're toxic, but 722 00:31:10,320 --> 00:31:12,720 Speaker 4: not going hey, I'm so glad I get to hand 723 00:31:12,760 --> 00:31:16,240 Speaker 4: you this letter your toxic af Yeah, but just going hey, 724 00:31:16,480 --> 00:31:18,680 Speaker 4: like another opportunity has come up. You also have to 725 00:31:18,760 --> 00:31:20,560 Speaker 4: think about and this is awful, but you have to 726 00:31:20,600 --> 00:31:22,840 Speaker 4: think about whether you want to share with them why 727 00:31:22,920 --> 00:31:26,800 Speaker 4: you're quitting, Like, are you just going, Hey, I feel 728 00:31:26,840 --> 00:31:28,880 Speaker 4: like I've served my time here and I've gotten so 729 00:31:29,000 --> 00:31:30,440 Speaker 4: much out of it, Thank you so much. And I've 730 00:31:30,480 --> 00:31:33,840 Speaker 4: been presented with another opportunity or are you sharing with them, Hey, 731 00:31:33,880 --> 00:31:35,800 Speaker 4: I want to move in with my long distance boyfriend. 732 00:31:35,840 --> 00:31:38,880 Speaker 4: And then they're talking smack behind closed doors about oh 733 00:31:38,960 --> 00:31:41,480 Speaker 4: my god, can you believe that Jess is quitting this job, 734 00:31:41,520 --> 00:31:44,560 Speaker 4: which we think is incredible for a boy like I 735 00:31:44,680 --> 00:31:45,280 Speaker 4: don't know them. 736 00:31:45,360 --> 00:31:47,120 Speaker 2: I'm just always a bit more conservative. 737 00:31:47,200 --> 00:31:50,120 Speaker 4: But it's always about approaching literally everything you do with 738 00:31:50,240 --> 00:31:53,760 Speaker 4: the utmost respect and leaving it better than it was 739 00:31:53,800 --> 00:31:56,400 Speaker 4: when you entered. And if you do that, I can't 740 00:31:56,400 --> 00:31:57,920 Speaker 4: see why you wouldn't get a good reference. 741 00:31:58,280 --> 00:31:58,760 Speaker 2: Absolutely. 742 00:31:58,840 --> 00:31:59,880 Speaker 3: So what did everyone else say? 743 00:32:00,000 --> 00:32:01,560 Speaker 4: Oh my god, they had so much tea. So first 744 00:32:01,560 --> 00:32:04,680 Speaker 4: things first, I asked them some questions. First question, what 745 00:32:04,760 --> 00:32:07,320 Speaker 4: will you do if you were our community member? Forty 746 00:32:07,360 --> 00:32:10,239 Speaker 4: two percent said just give the required notice, thirty five 747 00:32:10,320 --> 00:32:12,320 Speaker 4: percent said I'd lock in a new job and then 748 00:32:12,360 --> 00:32:15,520 Speaker 4: I would quit, fourteen percent said do not wait until 749 00:32:15,560 --> 00:32:18,640 Speaker 4: the busy season is over to leave, and eight percent 750 00:32:18,720 --> 00:32:22,040 Speaker 4: said I'd give more than a month's notice. Then I asked, 751 00:32:22,200 --> 00:32:25,000 Speaker 4: how would you balance leaving a job and getting a reference. 752 00:32:25,440 --> 00:32:30,240 Speaker 4: Sixty one percent said find a trusted reference alternative, sixteen 753 00:32:30,320 --> 00:32:33,920 Speaker 4: percent said be honest with your plans early, fourteen percent 754 00:32:34,000 --> 00:32:35,920 Speaker 4: said give one month and just hope for the best, 755 00:32:36,360 --> 00:32:38,960 Speaker 4: and eight percent said leave them off your reference list. 756 00:32:39,240 --> 00:32:40,520 Speaker 2: Yeah, which I think is fair. 757 00:32:40,880 --> 00:32:43,160 Speaker 4: All right, So then I said, what's your two cents? 758 00:32:43,240 --> 00:32:45,719 Speaker 4: First person said, don't shoot yourself in the foot by 759 00:32:45,760 --> 00:32:47,800 Speaker 4: being a nice person for a toxic workplace. 760 00:32:48,040 --> 00:32:49,520 Speaker 3: I mean, that is also so true. 761 00:32:49,680 --> 00:32:50,240 Speaker 2: Absolutely. 762 00:32:50,680 --> 00:32:53,840 Speaker 4: Another person said new employers always understand that you can't 763 00:32:53,960 --> 00:32:55,560 Speaker 4: use the current employer as a reference. 764 00:32:55,680 --> 00:32:55,800 Speaker 3: Yes. 765 00:32:56,400 --> 00:32:58,720 Speaker 4: Next person said, I tried to give one month's notice 766 00:32:58,760 --> 00:33:00,640 Speaker 4: and I had two weeks required and they just let 767 00:33:00,720 --> 00:33:02,640 Speaker 4: me go after three days. If they paid you out 768 00:33:02,640 --> 00:33:04,680 Speaker 4: your non sperio, they absolutely should have paid you out 769 00:33:04,680 --> 00:33:06,720 Speaker 4: your notice period. They required to, so if they didn't 770 00:33:06,760 --> 00:33:09,400 Speaker 4: hit them up one hundred percent. But it's also in 771 00:33:09,560 --> 00:33:13,040 Speaker 4: some instances. So I used to work in consulting and 772 00:33:13,840 --> 00:33:16,680 Speaker 4: on the day that I resigned from that job, they 773 00:33:17,080 --> 00:33:19,680 Speaker 4: told me not to come back. And it wasn't because 774 00:33:19,800 --> 00:33:22,560 Speaker 4: I had a bad experience or everything was negative. I 775 00:33:22,680 --> 00:33:25,160 Speaker 4: really liked that team, and I was aware that was 776 00:33:25,240 --> 00:33:27,360 Speaker 4: probably what's going to happen, because that had happened to 777 00:33:27,400 --> 00:33:30,240 Speaker 4: everybody else in the business. But it was because I 778 00:33:30,400 --> 00:33:34,800 Speaker 4: was going to have direct communication with clients and still 779 00:33:34,840 --> 00:33:38,800 Speaker 4: be working on highly confidential stuff and like perpetuating projects 780 00:33:38,920 --> 00:33:42,000 Speaker 4: that essentially would need me if I kept working on them. 781 00:33:42,400 --> 00:33:44,400 Speaker 4: And they were just like, that's great, the like we're 782 00:33:44,400 --> 00:33:47,320 Speaker 4: obviously going to pay you out you're notice but like 783 00:33:47,560 --> 00:33:50,080 Speaker 4: you're basically on gardening leaf, like go home at the 784 00:33:50,200 --> 00:33:52,520 Speaker 4: end of today, and that's it. Like you know, we'll 785 00:33:52,600 --> 00:33:54,360 Speaker 4: call or text you over the next two weeks because 786 00:33:54,360 --> 00:33:56,680 Speaker 4: as much as like you're on leave and you're being quote, 787 00:33:56,720 --> 00:33:58,600 Speaker 4: let go to DIAU, Like if we've got any questions 788 00:33:58,640 --> 00:34:00,360 Speaker 4: over the next two weeks, were well within our rights 789 00:34:00,360 --> 00:34:02,520 Speaker 4: to call you because you're technically still being paid and 790 00:34:02,600 --> 00:34:04,400 Speaker 4: will ask any of those questions. But you are going 791 00:34:04,440 --> 00:34:06,840 Speaker 4: to leave your laptop, your keys, you'll like swipe past 792 00:34:06,960 --> 00:34:08,800 Speaker 4: everything at the end of today. 793 00:34:08,960 --> 00:34:10,160 Speaker 2: And that's just how we roll. 794 00:34:10,360 --> 00:34:14,040 Speaker 4: And it wasn't me being walked because I was in trouble, 795 00:34:14,520 --> 00:34:16,960 Speaker 4: but that was definitely the culture and I knew to 796 00:34:17,040 --> 00:34:19,840 Speaker 4: anticipate that. But that's something you've got to expect. Like 797 00:34:20,000 --> 00:34:24,640 Speaker 4: sometimes also not in that circumstance. But ego comes into it. 798 00:34:25,239 --> 00:34:28,600 Speaker 4: People don't like being quote rejected, and just because they're 799 00:34:28,640 --> 00:34:31,920 Speaker 4: a manager doesn't make them mature, so they might go, oh, 800 00:34:32,080 --> 00:34:34,080 Speaker 4: Jess quick, get her out, get her out, just tell 801 00:34:34,080 --> 00:34:35,520 Speaker 4: her to leave now. I don't even want to see 802 00:34:35,520 --> 00:34:36,400 Speaker 4: her face in the office. 803 00:34:36,760 --> 00:34:40,200 Speaker 2: People are like that. They are horrific. That is crazy. 804 00:34:40,400 --> 00:34:42,720 Speaker 4: Next person said, you sound like a team player. Surely 805 00:34:42,760 --> 00:34:44,840 Speaker 4: there's someone, even if it's not your boss. 806 00:34:44,800 --> 00:34:46,960 Speaker 2: Who will be a reference. Just like the exit, it's 807 00:34:47,000 --> 00:34:48,920 Speaker 2: so true. I'll just do one last one because I 808 00:34:48,920 --> 00:34:50,160 Speaker 2: think it hits the nail on the head. 809 00:34:50,840 --> 00:34:53,799 Speaker 4: Someone said, as someone that works in HR, right, now 810 00:34:54,040 --> 00:34:57,239 Speaker 4: get the job and then resign only once you have 811 00:34:57,480 --> 00:34:59,200 Speaker 4: and have signed the new contract. 812 00:34:59,400 --> 00:35:00,520 Speaker 3: Oh I completely I agree with that. 813 00:35:00,880 --> 00:35:03,799 Speaker 2: Yeah, absolutely exactly. So we'll leave it there. 814 00:35:04,080 --> 00:35:07,719 Speaker 4: But my friends, I feel like that was a fun conversation. Yeah, 815 00:35:08,120 --> 00:35:10,239 Speaker 4: getting really heated in the last few weeks about like 816 00:35:10,400 --> 00:35:12,600 Speaker 4: my responses. I'll try to calm it down, but like, no, 817 00:35:13,239 --> 00:35:15,879 Speaker 4: you girls got an opinion. But I'll see you bright 818 00:35:15,960 --> 00:35:18,040 Speaker 4: early on Monday morning for a money diary. But till then, 819 00:35:18,120 --> 00:35:19,799 Speaker 4: have the best weekend by. 820 00:35:19,800 --> 00:35:20,640 Speaker 2: Guys by. 821 00:35:27,080 --> 00:35:29,600 Speaker 9: The Advice shared on She's on the Money is general 822 00:35:29,640 --> 00:35:33,479 Speaker 9: in nature and does not consider your individual circumstances. She's 823 00:35:33,560 --> 00:35:36,960 Speaker 9: on the Money exists purely for educational purposes and should 824 00:35:37,040 --> 00:35:40,200 Speaker 9: not be relied upon to make an investment or financial decision. 825 00:35:40,600 --> 00:35:43,040 Speaker 9: If you do choose to buy a financial product, read 826 00:35:43,080 --> 00:35:47,160 Speaker 9: the PDS TMD and obtain appropriate financial advice tailored towards 827 00:35:47,239 --> 00:35:50,520 Speaker 9: your needs. Victoria Divine and She's on the Money are 828 00:35:50,600 --> 00:35:52,560 Speaker 9: authorized representatives of money. 829 00:35:52,600 --> 00:35:56,480 Speaker 2: Sheirper pty Ltd ABN three two one IS six four 830 00:35:56,640 --> 00:35:58,120 Speaker 2: nine two seven seven. 831 00:35:58,040 --> 00:36:11,520 Speaker 9: Zero eight AFSLO five one two eight nine MHM