1 00:00:00,200 --> 00:00:19,480 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,360 --> 00:00:26,040 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,079 --> 00:00:30,280 Speaker 2: for millennials who want financial freedom. My name is Tony Lodge, 4 00:00:30,320 --> 00:00:33,280 Speaker 2: and joining me for another shotback Money Diary is miss 5 00:00:33,440 --> 00:00:34,559 Speaker 2: Victoria Devine. 6 00:00:34,720 --> 00:00:38,280 Speaker 3: Welcome, Miss Tony Lodge. Also welcome. 7 00:00:38,720 --> 00:00:41,000 Speaker 2: Oh thank you for having me. As you can hear, 8 00:00:41,360 --> 00:00:49,080 Speaker 2: we are recording this episode in lockdown, which is you carry? Yes, 9 00:00:49,120 --> 00:00:51,760 Speaker 2: I am. I just said my name was Tony Lodge, 10 00:00:51,760 --> 00:00:52,920 Speaker 2: but it's now Mariah Carey. 11 00:00:53,120 --> 00:00:55,760 Speaker 3: I love that. All right, Mariah? Can you read this 12 00:00:55,840 --> 00:00:57,680 Speaker 3: week's Money Diarist email to me? 13 00:00:58,120 --> 00:01:00,240 Speaker 2: All right, here we go, Hey frands. 14 00:01:00,360 --> 00:01:00,920 Speaker 4: Oh cute. 15 00:01:00,960 --> 00:01:03,360 Speaker 2: She obviously loves She's on the Money. She said, Hey, friends, 16 00:01:03,440 --> 00:01:07,080 Speaker 2: that's a vibe. That's vibe. I'm twenty two, a casual 17 00:01:07,120 --> 00:01:10,560 Speaker 2: retail employee and primary teaching student, and I've had a 18 00:01:10,600 --> 00:01:13,679 Speaker 2: hell of a year. Last year when COVID started, I 19 00:01:13,720 --> 00:01:17,959 Speaker 2: had four hundred dollars to my name and I was stressed. Thankfully, 20 00:01:17,959 --> 00:01:20,119 Speaker 2: because of job Keeper, I was able to save my job, 21 00:01:20,120 --> 00:01:21,840 Speaker 2: but it was a massive wake up call for me. 22 00:01:22,240 --> 00:01:24,240 Speaker 2: Spending money was such a comfort for me, and I 23 00:01:24,280 --> 00:01:27,600 Speaker 2: would do it so mindlessly. Since then, I've saved about 24 00:01:27,640 --> 00:01:31,559 Speaker 2: twenty thousand dollars, but i have constant anxiety about my money, 25 00:01:31,640 --> 00:01:34,320 Speaker 2: and I'm in a push pull with myself of spending 26 00:01:34,319 --> 00:01:37,119 Speaker 2: money impulsively and then gets so anxious that I'm ruining 27 00:01:37,160 --> 00:01:41,800 Speaker 2: my financial future. Common In the last month, my dad died, 28 00:01:42,280 --> 00:01:45,319 Speaker 2: I lost my job, and my boyfriend and I have 29 00:01:45,440 --> 00:01:49,040 Speaker 2: broken up after five years together. My dad's death was 30 00:01:49,080 --> 00:01:51,720 Speaker 2: really sudden and unexpected, and now my brother and I 31 00:01:51,760 --> 00:01:54,200 Speaker 2: are set to inherit a pretty hefty sum one and 32 00:01:54,240 --> 00:01:58,400 Speaker 2: a half million kind of hefty wow, which is crazy 33 00:01:58,440 --> 00:02:00,520 Speaker 2: to us. Of course, we would give it all back 34 00:02:00,560 --> 00:02:02,240 Speaker 2: to have our dad back with us, but now at 35 00:02:02,240 --> 00:02:04,640 Speaker 2: twenty two and nineteen, we have to figure out what 36 00:02:04,720 --> 00:02:06,520 Speaker 2: to do with the biggest amount of money we will 37 00:02:06,520 --> 00:02:09,040 Speaker 2: probably ever see in our lives. Thanks for taking the 38 00:02:09,080 --> 00:02:14,280 Speaker 2: time to read. You have changed my life. Ah So 39 00:02:14,400 --> 00:02:17,320 Speaker 2: it starts off interesting and then just gets more and 40 00:02:17,400 --> 00:02:19,519 Speaker 2: more interesting. And yes, she's about. 41 00:02:19,240 --> 00:02:22,120 Speaker 3: To start and I have so many questions, like saving 42 00:02:22,160 --> 00:02:24,560 Speaker 3: twenty grand is epic from four hundred dollars to twenty 43 00:02:24,600 --> 00:02:28,119 Speaker 3: thousand dollars, but then overlaying all of that, like that's insane, 44 00:02:28,280 --> 00:02:32,399 Speaker 3: Like that is so crazy. I know, how are you, friend. 45 00:02:33,120 --> 00:02:36,080 Speaker 4: I'm okay, I'm doing okay. I mean, it's been a 46 00:02:36,120 --> 00:02:40,200 Speaker 4: lot to deal with at once, for sure, So I 47 00:02:40,240 --> 00:02:43,440 Speaker 4: mean it comes and goes, especially being you know, in lockdown, 48 00:02:44,400 --> 00:02:46,720 Speaker 4: I have a lot of time to think about my feelings. So, 49 00:02:46,960 --> 00:02:47,400 Speaker 4: oh my. 50 00:02:47,320 --> 00:02:51,240 Speaker 3: God, I'm one of those people that's always like believing 51 00:02:51,280 --> 00:02:54,960 Speaker 3: in the universe and when something bad happens, I genuinely 52 00:02:55,000 --> 00:02:57,200 Speaker 3: have this belief that it always happens in threes, like 53 00:02:57,240 --> 00:03:00,240 Speaker 3: there's always three things. So if anything positive comes out 54 00:03:00,240 --> 00:03:02,840 Speaker 3: of this is you've already had your three my friend, Like, 55 00:03:02,880 --> 00:03:05,000 Speaker 3: that is your three bad things. Nothing else is going 56 00:03:05,080 --> 00:03:08,560 Speaker 3: to go wrong, which is a positive. But like, oh, 57 00:03:08,680 --> 00:03:11,000 Speaker 3: I'm so sorry to hear you've been experiencing that. That 58 00:03:11,160 --> 00:03:12,440 Speaker 3: is horrendous. 59 00:03:13,120 --> 00:03:15,560 Speaker 4: Yeah, it's been crazy, But I mean I think it's 60 00:03:15,680 --> 00:03:18,280 Speaker 4: just like I totally agree with you. Everything comes in threes. 61 00:03:18,440 --> 00:03:21,200 Speaker 4: I think it's the universe telling me that I need 62 00:03:21,240 --> 00:03:23,079 Speaker 4: a clean slate and need to be out of my 63 00:03:23,160 --> 00:03:26,360 Speaker 4: comfort zone and you know, take it as it comes. 64 00:03:26,440 --> 00:03:28,799 Speaker 3: But yeah, oh my gosh, your mindset. 65 00:03:29,080 --> 00:03:32,200 Speaker 2: I love you already, really really nice way of looking 66 00:03:32,200 --> 00:03:35,240 Speaker 2: at it, Like, I think as well, the fact that yeah, 67 00:03:35,240 --> 00:03:38,560 Speaker 2: and being in lockdown is just a cherry on top 68 00:03:38,640 --> 00:03:42,280 Speaker 2: of a rappy run of things. And for you to 69 00:03:42,320 --> 00:03:44,120 Speaker 2: be able to sit here and look at it like 70 00:03:44,160 --> 00:03:47,920 Speaker 2: that is really really powerful and give me such an 71 00:03:47,920 --> 00:03:49,080 Speaker 2: insight into the kind. 72 00:03:48,880 --> 00:03:52,279 Speaker 3: Of person I would not be as positive as you. Yeah, 73 00:03:52,320 --> 00:03:54,920 Speaker 3: that is so special. Well, thank you for taking the 74 00:03:54,960 --> 00:03:56,480 Speaker 3: time to share your story with us. 75 00:03:56,520 --> 00:03:58,760 Speaker 4: I thank you for taking time to chat with me. 76 00:03:59,120 --> 00:04:01,680 Speaker 3: Oh my gosh, of court. But let's get through the 77 00:04:01,760 --> 00:04:04,120 Speaker 3: questions together and then we can have a deep dive 78 00:04:04,320 --> 00:04:06,360 Speaker 3: I have. I have a lot of questions, but I 79 00:04:06,400 --> 00:04:09,200 Speaker 3: also just want to hear how you are and what's 80 00:04:09,240 --> 00:04:13,080 Speaker 3: going on. All right, let's dive straight in, my friend. 81 00:04:13,400 --> 00:04:16,320 Speaker 3: First question is what is your attitude towards money? 82 00:04:17,480 --> 00:04:20,400 Speaker 4: I think, like I said in my email, like a 83 00:04:20,440 --> 00:04:23,240 Speaker 4: lot of my attitude towards money is anxiety. Like I 84 00:04:23,279 --> 00:04:26,400 Speaker 4: feel very stressed when I get money, when I have 85 00:04:26,440 --> 00:04:29,360 Speaker 4: to spend it. When I do spend it on things 86 00:04:29,360 --> 00:04:30,840 Speaker 4: that I think I should be spending it on, I 87 00:04:30,839 --> 00:04:33,279 Speaker 4: get stressed. Like car Regro like, oh my god, I 88 00:04:33,279 --> 00:04:35,800 Speaker 4: can't believe I have to pay car Regro was like 89 00:04:35,920 --> 00:04:38,480 Speaker 4: it's just part of you know. That's why I put 90 00:04:38,520 --> 00:04:41,800 Speaker 4: money away, That's why I haven't you know money aside? 91 00:04:42,480 --> 00:04:45,760 Speaker 4: And yeah, I think a lot of my money attitude 92 00:04:45,800 --> 00:04:49,400 Speaker 4: is anxiety, and I just think that's just because of 93 00:04:49,440 --> 00:04:54,320 Speaker 4: my money story, like just money in my life. It's 94 00:04:54,400 --> 00:04:58,400 Speaker 4: just always been anxiety. So well, you know, we're getting there. 95 00:04:59,080 --> 00:05:01,560 Speaker 3: We'll get through that. We will work, we will work 96 00:05:01,600 --> 00:05:05,640 Speaker 3: together to get through that way. Friendly, all right. Next question, 97 00:05:05,800 --> 00:05:07,400 Speaker 3: I feel like is a bit of a slap in 98 00:05:07,440 --> 00:05:10,880 Speaker 3: the face, but I apologize in advance, And that is 99 00:05:11,200 --> 00:05:13,080 Speaker 3: what do you do for work? How much money do 100 00:05:13,120 --> 00:05:13,480 Speaker 3: you earn? 101 00:05:14,440 --> 00:05:17,680 Speaker 4: So I work in retail. Like I said, I have 102 00:05:17,839 --> 00:05:20,680 Speaker 4: just lost my job, but I've just signed a contract 103 00:05:21,160 --> 00:05:23,599 Speaker 4: with a new job, so not really a new job 104 00:05:23,880 --> 00:05:24,800 Speaker 4: that's exciting. 105 00:05:24,880 --> 00:05:26,160 Speaker 3: Well, I'm glad, I asked. 106 00:05:26,600 --> 00:05:30,040 Speaker 4: Yeah. So I was working two jobs I lost, so 107 00:05:30,160 --> 00:05:31,760 Speaker 4: I was doing four days a week with one one 108 00:05:31,839 --> 00:05:34,560 Speaker 4: day week with the other. I lost my main source 109 00:05:34,560 --> 00:05:37,680 Speaker 4: of income to my four day week job. And I've 110 00:05:37,800 --> 00:05:39,760 Speaker 4: just signed a new contract with my job that i 111 00:05:39,800 --> 00:05:43,039 Speaker 4: was working one day week. So I signed that a 112 00:05:43,040 --> 00:05:46,040 Speaker 4: couple of weeks ago, and then lockdown happened, So I 113 00:05:46,040 --> 00:05:48,719 Speaker 4: haven't really been working, but it has meant that I've 114 00:05:48,760 --> 00:05:52,640 Speaker 4: been able to claim the government benefits because I can 115 00:05:52,640 --> 00:05:55,200 Speaker 4: say that I've lost a certain amount of hours, So 116 00:05:55,839 --> 00:05:57,960 Speaker 4: it was lucky in that sense that I had signed 117 00:05:58,000 --> 00:06:00,520 Speaker 4: it just in time that I can say lost these 118 00:06:00,560 --> 00:06:07,159 Speaker 4: hours so that I can claim the centering money. Would you, especially. 119 00:06:06,800 --> 00:06:09,559 Speaker 3: During such a painful period, like you just need cash 120 00:06:09,560 --> 00:06:11,760 Speaker 3: flow to come in so that you can manage to life. 121 00:06:13,760 --> 00:06:17,160 Speaker 3: I'm so grateful to hear that. Yeah, all right. Next 122 00:06:17,200 --> 00:06:20,720 Speaker 3: big question is what is currently your big money goal? 123 00:06:22,560 --> 00:06:25,520 Speaker 4: Like everyone, I think to buy a property. I think. 124 00:06:25,800 --> 00:06:28,320 Speaker 4: I like, it's not I know it's not in the 125 00:06:28,400 --> 00:06:31,240 Speaker 4: near future for me. I definitely won't be buying until 126 00:06:31,240 --> 00:06:33,360 Speaker 4: I finish UNI. I know that I just wouldn't be 127 00:06:33,360 --> 00:06:36,680 Speaker 4: able to facilitate alone until then, even if I did 128 00:06:36,720 --> 00:06:40,599 Speaker 4: have the money to buy. So that's definitely the money 129 00:06:40,640 --> 00:06:43,560 Speaker 4: goal in the long term. Yeah, or so just to 130 00:06:43,600 --> 00:06:46,760 Speaker 4: be comfortable, like just to not have to worry about it. 131 00:06:47,480 --> 00:06:52,000 Speaker 3: I like that goal. I like that goal. I yeah, 132 00:06:52,040 --> 00:06:55,640 Speaker 3: I love that all right. So next question is do 133 00:06:55,720 --> 00:06:58,320 Speaker 3: you currently have any investments. 134 00:06:58,960 --> 00:07:02,479 Speaker 4: I don't. I mean, I have me super. So I 135 00:07:02,560 --> 00:07:05,080 Speaker 4: put twenty dollars a month into my super, which is 136 00:07:05,120 --> 00:07:08,920 Speaker 4: an investment into my retirement, and then I've got five 137 00:07:09,000 --> 00:07:11,320 Speaker 4: hundred dollars in raise, but that's it. I do have 138 00:07:11,360 --> 00:07:14,200 Speaker 4: a comset account, but I haven't invested anything yet. 139 00:07:14,280 --> 00:07:16,160 Speaker 3: Oh but you're well on the way. You've already got 140 00:07:16,240 --> 00:07:17,400 Speaker 3: money in investments. 141 00:07:17,440 --> 00:07:22,040 Speaker 2: That's super exciting, super super exciting, super exciting. 142 00:07:22,120 --> 00:07:26,600 Speaker 3: I can't sorry. I'm meant to be the penny one Tony. 143 00:07:26,600 --> 00:07:31,080 Speaker 2: Lockdown getting me good, guys, Lockdown has got me well good. 144 00:07:33,080 --> 00:07:37,080 Speaker 3: All right. Next question is do you currently have any debts. 145 00:07:37,920 --> 00:07:41,920 Speaker 4: I have a hextat, so I think that's about fifteen 146 00:07:41,920 --> 00:07:45,600 Speaker 4: thousand dollars in there now. I am obviously still in 147 00:07:45,640 --> 00:07:47,480 Speaker 4: the middle of doing my degree, so I will go up. 148 00:07:48,440 --> 00:07:50,240 Speaker 4: But I have a little bit of dirt from an 149 00:07:50,360 --> 00:07:53,160 Speaker 4: old degree that I didn't finish as well, which just 150 00:07:53,200 --> 00:07:56,080 Speaker 4: sucks because it's just, you know, wasted money. But I 151 00:07:56,120 --> 00:07:58,360 Speaker 4: for a degree that I finish. 152 00:07:58,560 --> 00:08:00,960 Speaker 2: Because you realized that you didn't want to do that, 153 00:08:01,560 --> 00:08:02,880 Speaker 2: and that's not a waste. 154 00:08:03,560 --> 00:08:05,720 Speaker 4: Yeah. It was a massive timing point in my life too, 155 00:08:05,760 --> 00:08:08,920 Speaker 4: like a huge decision. I had told everyone for like 156 00:08:09,000 --> 00:08:10,720 Speaker 4: ten years that this is what I wanted to do, 157 00:08:11,240 --> 00:08:13,200 Speaker 4: and then got there and was like, actually, this is 158 00:08:13,360 --> 00:08:13,800 Speaker 4: not right. 159 00:08:14,200 --> 00:08:15,320 Speaker 2: Can I ask what it was? 160 00:08:16,080 --> 00:08:16,760 Speaker 4: Psychology? 161 00:08:17,480 --> 00:08:21,320 Speaker 3: Yeah, it's like no, no, I would never but. 162 00:08:21,280 --> 00:08:23,840 Speaker 4: It was not you did, Victoria. 163 00:08:24,520 --> 00:08:26,960 Speaker 3: Sorry, that's why you were cagy about telling us what 164 00:08:27,040 --> 00:08:27,600 Speaker 3: degree it was. 165 00:08:27,680 --> 00:08:30,960 Speaker 4: I wanted to you a little bit. So yeah. I 166 00:08:30,960 --> 00:08:32,599 Speaker 4: mean I started that, I did about a year and 167 00:08:32,640 --> 00:08:34,880 Speaker 4: a half and just decided it wasn't my thing. I 168 00:08:34,880 --> 00:08:36,640 Speaker 4: think I stopped with it for so long because I 169 00:08:36,679 --> 00:08:38,360 Speaker 4: had been telling people for so long that it's what 170 00:08:38,400 --> 00:08:40,680 Speaker 4: I wanted to do, and I really wanted to try, 171 00:08:40,840 --> 00:08:43,319 Speaker 4: but just got to remembory. I hated it. I wasn't 172 00:08:43,360 --> 00:08:45,280 Speaker 4: doing my work because I didn't want to be there. 173 00:08:45,720 --> 00:08:47,880 Speaker 4: It just wasn't going to work. So I left and 174 00:08:48,040 --> 00:08:50,240 Speaker 4: was like, you know what, it was probably one of 175 00:08:50,240 --> 00:08:52,440 Speaker 4: the best decisions that I made, because now I'm really 176 00:08:52,440 --> 00:08:53,480 Speaker 4: doing something that I loved. 177 00:08:53,559 --> 00:08:57,040 Speaker 3: I love that, and I'm sure that there are people 178 00:08:57,120 --> 00:08:59,320 Speaker 3: listening who are currently doing degrees they don't love, but 179 00:08:59,320 --> 00:09:02,840 Speaker 3: they're like deep So to those people, would you just say, 180 00:09:02,960 --> 00:09:07,160 Speaker 3: jomb ship, nobody actually deeply cares about you changing. They're 181 00:09:07,240 --> 00:09:09,360 Speaker 3: just going to be wanting you to be happy, right. 182 00:09:09,280 --> 00:09:12,200 Speaker 4: Yeah, yeah, absolutely, And I remember like when I wanted 183 00:09:12,240 --> 00:09:14,720 Speaker 4: to tell my family and everyone, I was like, everyone's 184 00:09:14,760 --> 00:09:17,079 Speaker 4: going to be so disappointed in me. Like, I felt 185 00:09:17,120 --> 00:09:18,880 Speaker 4: so upset about it, and I was like that, this 186 00:09:19,000 --> 00:09:21,720 Speaker 4: is my future, this is my decision. I'm wasting my 187 00:09:21,840 --> 00:09:24,360 Speaker 4: time and my money doing a degree that I don't 188 00:09:24,400 --> 00:09:27,000 Speaker 4: want nor will I use. Oh my gosh. Yeah. 189 00:09:27,200 --> 00:09:29,920 Speaker 3: Well, and everybody would have been stoked for you because 190 00:09:29,960 --> 00:09:32,560 Speaker 3: you were following what you loved and wanting to Yeah, 191 00:09:32,840 --> 00:09:34,000 Speaker 3: I'm so happy exactly. 192 00:09:34,559 --> 00:09:36,440 Speaker 4: So if you are a good decisional. 193 00:09:36,080 --> 00:09:40,400 Speaker 3: Degree, definitely think about it. Don't admit to it just 194 00:09:40,440 --> 00:09:43,400 Speaker 3: because you've already gotten this far. I feel like that's 195 00:09:43,400 --> 00:09:46,079 Speaker 3: such a negative mindset as well. And people do that 196 00:09:46,160 --> 00:09:49,520 Speaker 3: in jobs, in careers, in relationships where they're like, oh, 197 00:09:49,520 --> 00:09:50,920 Speaker 3: but we've come this far. 198 00:09:50,880 --> 00:09:52,959 Speaker 2: Like, yeah, I've invested all this time. 199 00:09:53,400 --> 00:09:56,720 Speaker 3: Yeah, like you have, but you invested it in yourself. 200 00:09:57,080 --> 00:10:00,600 Speaker 3: Like anyway, I'm very opinionated about that. So we're going 201 00:10:00,679 --> 00:10:03,320 Speaker 3: to move on to an exciting question. Because I like 202 00:10:03,600 --> 00:10:06,240 Speaker 3: Hervy stuff. Do you shop back? 203 00:10:07,040 --> 00:10:10,120 Speaker 4: I have used it in the past, Yes, a couple 204 00:10:10,200 --> 00:10:10,640 Speaker 4: of times. 205 00:10:10,679 --> 00:10:12,760 Speaker 3: Why well where hell. 206 00:10:13,400 --> 00:10:16,319 Speaker 4: I did get some good deals. I just like a 207 00:10:16,440 --> 00:10:18,079 Speaker 4: friend recommended it to me and I was like, you 208 00:10:18,120 --> 00:10:20,560 Speaker 4: know what, I love an online shop. Why not get 209 00:10:20,600 --> 00:10:22,839 Speaker 4: money back? So yeah, I've used it. 210 00:10:22,880 --> 00:10:23,520 Speaker 2: A couple of times. 211 00:10:23,600 --> 00:10:24,040 Speaker 4: Loved it. 212 00:10:24,520 --> 00:10:28,160 Speaker 3: N Jenius. All right, moving on from good money habits 213 00:10:28,160 --> 00:10:31,400 Speaker 3: to asking you what your best money habit is. What's 214 00:10:31,440 --> 00:10:32,720 Speaker 3: your best money habit, my friend? 215 00:10:33,520 --> 00:10:36,640 Speaker 4: I think so because of you, Victoria, I put for 216 00:10:36,760 --> 00:10:39,679 Speaker 4: hours between me and my purchase. Ya. But what I 217 00:10:39,760 --> 00:10:42,080 Speaker 4: started to do is I have a list on my phone. 218 00:10:42,160 --> 00:10:44,360 Speaker 4: So every time I look at something and I, you know, 219 00:10:44,800 --> 00:10:47,080 Speaker 4: I wish list on the Iconic, I added into my 220 00:10:47,120 --> 00:10:49,400 Speaker 4: list on my phone and be like, it's a list 221 00:10:49,440 --> 00:10:51,600 Speaker 4: of things that I want but don't need. And then 222 00:10:51,640 --> 00:10:53,319 Speaker 4: I'll go through it like every week and be like, 223 00:10:53,440 --> 00:10:55,560 Speaker 4: I don't know why I wanted that, Like what part 224 00:10:55,600 --> 00:10:59,480 Speaker 4: of me actually wanted that? Yes, that's so smart, that 225 00:10:59,520 --> 00:10:59,920 Speaker 4: would be. 226 00:10:59,880 --> 00:11:01,959 Speaker 3: My I love that. 227 00:11:02,480 --> 00:11:05,280 Speaker 4: I mean, I I am like, I'm an impulsive shopper, 228 00:11:05,360 --> 00:11:08,120 Speaker 4: especially when I'm at the shops. I am an impulsive shopper. 229 00:11:08,520 --> 00:11:11,600 Speaker 4: So it's easier, like especially with online shopping, if I 230 00:11:11,600 --> 00:11:13,200 Speaker 4: can go through it and then like a week later, 231 00:11:13,240 --> 00:11:16,800 Speaker 4: I'm like, why did I even like want possessed me 232 00:11:16,840 --> 00:11:17,320 Speaker 4: to want that? 233 00:11:17,800 --> 00:11:21,160 Speaker 3: Oh my gosh, especially during lockdown, I just have this 234 00:11:21,240 --> 00:11:23,320 Speaker 3: idea in my head that I'm going to be an 235 00:11:23,480 --> 00:11:25,800 Speaker 3: entirely new person. So I put all these things in 236 00:11:25,840 --> 00:11:29,000 Speaker 3: my cart usually at night, let's be honest, and then 237 00:11:29,040 --> 00:11:31,160 Speaker 3: the next time I'm like, I would never wear that, 238 00:11:31,320 --> 00:11:35,120 Speaker 3: Like I'm definitely not cool enough for that. So I 239 00:11:35,160 --> 00:11:37,640 Speaker 3: love that idea, and I think I'll start doing that, 240 00:11:37,679 --> 00:11:40,040 Speaker 3: writing an entire list of things that I want but 241 00:11:40,160 --> 00:11:42,120 Speaker 3: don't need, and then I can kind of have a 242 00:11:42,200 --> 00:11:45,760 Speaker 3: laugh at myself later or reward myself for waiting by 243 00:11:45,800 --> 00:11:48,320 Speaker 3: actually buying it. Yeah that is good. 244 00:11:48,400 --> 00:11:49,640 Speaker 4: Yeah, such a good idea. 245 00:11:49,720 --> 00:11:52,120 Speaker 3: She's yeah, good guys. All right, So that's a great 246 00:11:52,240 --> 00:11:55,319 Speaker 3: money habit. What is your worst money habit? 247 00:11:56,280 --> 00:12:00,440 Speaker 4: I definitely think it would be the impulse shopping as 248 00:12:00,440 --> 00:12:04,800 Speaker 4: well as like my reaction afterwards. So like when I 249 00:12:04,840 --> 00:12:07,240 Speaker 4: worked in a shopping center, I would just walk around 250 00:12:07,240 --> 00:12:10,240 Speaker 4: on my lunch break and just go shopping because I could, yep, 251 00:12:10,320 --> 00:12:12,120 Speaker 4: and like because I was there, and like i'd find 252 00:12:12,120 --> 00:12:14,040 Speaker 4: something that I liked and be like, well why not 253 00:12:14,200 --> 00:12:19,080 Speaker 4: I have the money, So that was definitely like my worst. 254 00:12:19,160 --> 00:12:21,480 Speaker 4: But then it would be spending the money, justifying the 255 00:12:21,520 --> 00:12:24,360 Speaker 4: decision and then feeling anxious about it afterwards, Like it 256 00:12:24,440 --> 00:12:27,600 Speaker 4: was just a really bad cycle and I was doing 257 00:12:27,800 --> 00:12:30,560 Speaker 4: like I was spending the money because I needed that 258 00:12:30,600 --> 00:12:33,360 Speaker 4: like instant hit, like it felt good and like that 259 00:12:33,440 --> 00:12:36,280 Speaker 4: instant gratification find something. But then you know, it's like 260 00:12:36,320 --> 00:12:39,600 Speaker 4: an addiction where there's always just like a massive fall afterwards. 261 00:12:39,640 --> 00:12:42,840 Speaker 3: How did you come to the conclusion that that cycle 262 00:12:42,960 --> 00:12:45,959 Speaker 3: needed to break and how are you working towards actually 263 00:12:46,000 --> 00:12:47,720 Speaker 3: making sure its day is broken. 264 00:12:49,200 --> 00:12:53,760 Speaker 4: So I think I had a really bad relationship with 265 00:12:53,800 --> 00:12:56,640 Speaker 4: after pay and spent a lot of money through after 266 00:12:56,640 --> 00:12:58,000 Speaker 4: paid because I. 267 00:12:57,640 --> 00:12:59,679 Speaker 3: Could also relatable content. 268 00:13:00,240 --> 00:13:02,640 Speaker 4: Yeah, yeah, I think I just you know, when COVID 269 00:13:02,720 --> 00:13:05,360 Speaker 4: hit last year and I realized I had had to 270 00:13:05,400 --> 00:13:08,360 Speaker 4: pay to pay off and no job. This was before 271 00:13:08,440 --> 00:13:11,000 Speaker 4: job Keeper, I was like, oh my god, what am 272 00:13:11,000 --> 00:13:13,600 Speaker 4: I going to do? I have no money to my name. 273 00:13:14,120 --> 00:13:18,720 Speaker 4: So mum thankfully got me out of it. She helped 274 00:13:18,760 --> 00:13:20,720 Speaker 4: me pay off my after pay. I paid her back, 275 00:13:21,200 --> 00:13:23,280 Speaker 4: but it was just really like that click moment where 276 00:13:23,320 --> 00:13:24,760 Speaker 4: you don't know what's going to happen. You don't know 277 00:13:24,800 --> 00:13:26,920 Speaker 4: when you're not going to have money and you're just 278 00:13:26,960 --> 00:13:29,079 Speaker 4: spending money that you don't have. I was living well 279 00:13:29,080 --> 00:13:32,400 Speaker 4: beyond my means, and it was really like that moment 280 00:13:32,400 --> 00:13:34,720 Speaker 4: where I was like, I can't do it anymore. I 281 00:13:34,800 --> 00:13:37,880 Speaker 4: need to you know, I'm an adult now and I 282 00:13:37,920 --> 00:13:40,400 Speaker 4: need to be I'm working for something, not for nothing. 283 00:13:40,559 --> 00:13:42,000 Speaker 4: Like I couldn't tell you what I spent all my 284 00:13:42,080 --> 00:13:45,400 Speaker 4: money on. I have no idea. So I yeah, just 285 00:13:45,440 --> 00:13:47,839 Speaker 4: really realized that I had to work towards the bigger 286 00:13:47,880 --> 00:13:49,840 Speaker 4: picture rather than just having things now. 287 00:13:50,520 --> 00:13:53,440 Speaker 3: I think that's so important to acknowledge, but also so 288 00:13:53,559 --> 00:13:57,560 Speaker 3: special that you know that now, and also really relatable 289 00:13:57,640 --> 00:14:00,160 Speaker 3: because it's one of those things that a lot of 290 00:14:00,200 --> 00:14:02,679 Speaker 3: people are like, Oh, after pay is fine, but can 291 00:14:02,720 --> 00:14:05,960 Speaker 3: I maybe ask a quick question about after pay when 292 00:14:05,960 --> 00:14:08,240 Speaker 3: you got it? Why did you sign up for it? 293 00:14:08,280 --> 00:14:08,400 Speaker 4: Like? 294 00:14:08,679 --> 00:14:11,120 Speaker 3: How did you end up on that slippery slope? Because 295 00:14:11,160 --> 00:14:13,360 Speaker 3: I talk a lot on this podcast about after pay 296 00:14:13,480 --> 00:14:17,120 Speaker 3: being a slippery slope, and so many people will say, no, 297 00:14:17,280 --> 00:14:20,560 Speaker 3: it's not like I'm a responsible person. And I can 298 00:14:20,600 --> 00:14:22,760 Speaker 3: see you right now, money Direst, and I can hear 299 00:14:22,760 --> 00:14:26,080 Speaker 3: you and from your savings capacity and what you're talking 300 00:14:26,120 --> 00:14:28,840 Speaker 3: about in your soul articulate you sound like a really 301 00:14:28,880 --> 00:14:31,760 Speaker 3: responsible person. So how did you end up on that 302 00:14:31,840 --> 00:14:34,880 Speaker 3: slippery slope? And like what was the mindset there? 303 00:14:36,120 --> 00:14:38,960 Speaker 4: I remember? So when I turned fifteen, it was literally 304 00:14:39,000 --> 00:14:41,200 Speaker 4: the day after my fifteenth birthday. My mum was like, 305 00:14:41,480 --> 00:14:43,080 Speaker 4: you have a job interview and you're going to go 306 00:14:43,080 --> 00:14:45,480 Speaker 4: and get a job so that you can, like she 307 00:14:45,600 --> 00:14:47,880 Speaker 4: said it up for me. She's like, so you can 308 00:14:48,480 --> 00:14:51,000 Speaker 4: earn money to spend it on the things that you want. 309 00:14:51,760 --> 00:14:53,800 Speaker 4: So she was like, I'm sick of paying for you 310 00:14:53,840 --> 00:14:56,680 Speaker 4: to go out to the middles and get it. Mum. Yeah, 311 00:14:56,800 --> 00:14:58,520 Speaker 4: she's like I'm over it. You know, you want to 312 00:14:58,520 --> 00:15:00,720 Speaker 4: do all these things with your school holiday, you can 313 00:15:00,760 --> 00:15:03,000 Speaker 4: fund it. And I was like okay, no worries. And 314 00:15:03,040 --> 00:15:05,120 Speaker 4: then so wait when. 315 00:15:05,000 --> 00:15:07,000 Speaker 3: Your mom said get a job and you were like okay, 316 00:15:07,120 --> 00:15:09,680 Speaker 3: no worries. Like I feel like any other teenager would 317 00:15:09,680 --> 00:15:11,520 Speaker 3: be like what the hell mom. 318 00:15:11,520 --> 00:15:13,400 Speaker 2: Well it would be like you pay for it now. 319 00:15:14,200 --> 00:15:18,000 Speaker 3: Yeah, the best thing about being a child. 320 00:15:18,640 --> 00:15:21,400 Speaker 4: Yeah, it was like an ultimatum. It was like get 321 00:15:21,440 --> 00:15:23,320 Speaker 4: a job or I'll just cut you off and you'll 322 00:15:23,320 --> 00:15:23,840 Speaker 4: have no money. 323 00:15:24,040 --> 00:15:25,840 Speaker 3: Oh okay, get the job. 324 00:15:25,960 --> 00:15:28,920 Speaker 4: Then No Roadstreet set up the job interview for me 325 00:15:28,960 --> 00:15:30,800 Speaker 4: and everything, and I was like, no worries. I'll go 326 00:15:31,400 --> 00:15:34,520 Speaker 4: like sat there like a little fifteen year old. But yeah, 327 00:15:34,600 --> 00:15:38,120 Speaker 4: so I think I had already started, like I when 328 00:15:38,120 --> 00:15:40,400 Speaker 4: I started earning money. I was earning money to spend 329 00:15:40,440 --> 00:15:42,840 Speaker 4: the money. I wasn't earning the money to save the money. 330 00:15:43,080 --> 00:15:45,520 Speaker 4: And I remember being like seventeen or something and I 331 00:15:45,600 --> 00:15:47,720 Speaker 4: needed this done and jacket, I needed it. 332 00:15:48,000 --> 00:15:49,880 Speaker 2: Oh, fair enough, I'll love a good daja. 333 00:15:50,240 --> 00:15:53,040 Speaker 4: Yep, yeah, I needed it. And I was on General 334 00:15:53,080 --> 00:15:55,720 Speaker 4: pants and this like thing popped up when I got 335 00:15:55,720 --> 00:15:58,960 Speaker 4: to the cart and it was like, you can pay 336 00:15:58,960 --> 00:16:02,600 Speaker 4: this in foreign storm and I was like what crazy? 337 00:16:02,760 --> 00:16:05,520 Speaker 4: I was like really, yeah. I was like, this is 338 00:16:05,560 --> 00:16:08,240 Speaker 4: so smart. So I didn't do it, but it was 339 00:16:08,280 --> 00:16:10,320 Speaker 4: the first time that I'd been introduced to it. So 340 00:16:10,360 --> 00:16:12,080 Speaker 4: then the next time when I went shopping, I was like, 341 00:16:12,360 --> 00:16:14,640 Speaker 4: I might as well just give it a try. So 342 00:16:14,960 --> 00:16:20,040 Speaker 4: I gave it a crack, and it's I probably shouldn't 343 00:16:20,040 --> 00:16:23,640 Speaker 4: have because it was really like you could see the 344 00:16:23,640 --> 00:16:25,760 Speaker 4: money coming out of your account in flas it felt 345 00:16:25,760 --> 00:16:28,160 Speaker 4: like you weren't spending money yea, And you know it 346 00:16:28,160 --> 00:16:29,880 Speaker 4: would come out of my account on pay day. I 347 00:16:29,880 --> 00:16:32,680 Speaker 4: would make sure that I would buy everything the day 348 00:16:32,720 --> 00:16:35,160 Speaker 4: after payday so that the installment would come out the 349 00:16:35,240 --> 00:16:37,640 Speaker 4: day after payday. And it was just like a slippery 350 00:16:37,640 --> 00:16:41,040 Speaker 4: slope like I could spend all of this money that 351 00:16:41,200 --> 00:16:44,000 Speaker 4: still have money in my account, and it just got 352 00:16:44,000 --> 00:16:45,960 Speaker 4: worse and worse to the point where like it would 353 00:16:46,000 --> 00:16:49,280 Speaker 4: be like I have like nuxed out, like I'd spend 354 00:16:49,280 --> 00:16:51,040 Speaker 4: as much as I could and be like I don't 355 00:16:51,040 --> 00:16:52,920 Speaker 4: even know what I have, Like it's like eight weeks 356 00:16:52,960 --> 00:16:55,200 Speaker 4: later and I don't know what I've bought, Like I 357 00:16:55,200 --> 00:16:57,560 Speaker 4: couldn't done paying this thing off and I don't know 358 00:16:57,600 --> 00:16:58,080 Speaker 4: what it is. 359 00:16:58,640 --> 00:17:01,920 Speaker 2: Victoria, And I've talked about this before about how changes 360 00:17:02,000 --> 00:17:04,520 Speaker 2: the way that you view money because instead of something 361 00:17:04,560 --> 00:17:07,520 Speaker 2: costing four hundred dollars, you're like, oh, that costs one 362 00:17:07,680 --> 00:17:11,920 Speaker 2: hundred dollars four times, and it actually really warps your 363 00:17:12,000 --> 00:17:15,480 Speaker 2: sense of what money is actually going out because you 364 00:17:15,520 --> 00:17:18,040 Speaker 2: can't keep track of it because in your mind, you've 365 00:17:18,080 --> 00:17:21,480 Speaker 2: tricked yourself into thinking something's only cost you one hundred dollars. 366 00:17:21,800 --> 00:17:25,080 Speaker 4: Yeah, yeah, exactly. And it's so much easier to justify 367 00:17:25,320 --> 00:17:27,560 Speaker 4: when it's like a fifty dollars payment as opposed to 368 00:17:27,560 --> 00:17:29,560 Speaker 4: like a two hundred dollar payment, so much easier to 369 00:17:29,600 --> 00:17:32,879 Speaker 4: doctor Pye, and especially when they brought out like you 370 00:17:32,920 --> 00:17:35,280 Speaker 4: could use it in stores as well, or so much 371 00:17:35,640 --> 00:17:37,840 Speaker 4: just like scam my barcode. I'll worry about it later. 372 00:17:38,320 --> 00:17:41,080 Speaker 4: It's just the convenience, like so much easier. And then 373 00:17:41,160 --> 00:17:42,680 Speaker 4: you know, it would get to pay day and I'd 374 00:17:42,680 --> 00:17:46,359 Speaker 4: have four hundred dollars coming out and nothing to show 375 00:17:46,400 --> 00:17:46,679 Speaker 4: for it. 376 00:17:47,000 --> 00:17:49,680 Speaker 3: But that's what I mean around slippery slope, like you 377 00:17:49,720 --> 00:17:52,359 Speaker 3: didn't sign up with ill intentions of getting into a 378 00:17:52,400 --> 00:17:55,040 Speaker 3: whole heap of personal debt. And you know, I know 379 00:17:55,160 --> 00:17:57,040 Speaker 3: this has taken a little bit of a sidetrack. But 380 00:17:57,080 --> 00:18:01,080 Speaker 3: if I said to you in the same vein, like, okay, direst, well, 381 00:18:01,200 --> 00:18:04,119 Speaker 3: actually would you like a personal loan so that you 382 00:18:04,119 --> 00:18:07,200 Speaker 3: can just spend that money, I'm sure the mindset would 383 00:18:07,200 --> 00:18:08,920 Speaker 3: have been different, like you would have been like, no, 384 00:18:09,119 --> 00:18:11,280 Speaker 3: don't give me a personal loan. I don't want that. 385 00:18:11,600 --> 00:18:13,880 Speaker 3: But in the same vein, that's exactly what you've done 386 00:18:13,880 --> 00:18:16,440 Speaker 3: to yourself with after pay without even realizing it. 387 00:18:18,119 --> 00:18:21,359 Speaker 4: And even like Mum raised me like being like, don't 388 00:18:21,520 --> 00:18:24,399 Speaker 4: get a credit card when you know you can't, you 389 00:18:24,440 --> 00:18:27,080 Speaker 4: can avoid it, like there's no point getting a credit card. 390 00:18:27,280 --> 00:18:28,560 Speaker 4: So it's always like I'm never going to have a 391 00:18:28,560 --> 00:18:31,160 Speaker 4: credit card, like I don't need one. I don't want 392 00:18:31,160 --> 00:18:33,000 Speaker 4: to be spending money that's not mine and on the 393 00:18:33,080 --> 00:18:35,040 Speaker 4: pay was just marketed to me as not that. 394 00:18:35,720 --> 00:18:38,199 Speaker 2: And after pay doesn't have that stigma yet of like 395 00:18:38,280 --> 00:18:40,359 Speaker 2: I would never get a credit card or I would 396 00:18:40,400 --> 00:18:44,399 Speaker 2: never get a personal loan to buy a car. You crazy, Like, 397 00:18:44,480 --> 00:18:48,080 Speaker 2: it just doesn't have that same thing as Yeah, which 398 00:18:48,160 --> 00:18:50,400 Speaker 2: is interesting because I think that in the next few years, 399 00:18:50,440 --> 00:18:53,080 Speaker 2: I'm hoping and obviously Victoria, I know that you're hoping too, 400 00:18:53,240 --> 00:18:55,640 Speaker 2: that that stigma does change and it's kind of turns 401 00:18:55,680 --> 00:18:57,639 Speaker 2: into one of those things where it's like, oh, you 402 00:18:57,760 --> 00:19:01,040 Speaker 2: use after pay in a way that you know it's 403 00:19:01,840 --> 00:19:03,800 Speaker 2: not good for you, or you know, like, if you're 404 00:19:03,840 --> 00:19:06,640 Speaker 2: good at using after pay, then that's fine. But if 405 00:19:06,640 --> 00:19:09,240 Speaker 2: you're using after pay in this way where you've maxed 406 00:19:09,240 --> 00:19:11,399 Speaker 2: it out, you don't know what, you don't have anything 407 00:19:11,400 --> 00:19:13,440 Speaker 2: to show for it. Hopefully soon people are going to 408 00:19:13,480 --> 00:19:15,439 Speaker 2: be like, oh, you're using after pay. That is so 409 00:19:15,600 --> 00:19:16,640 Speaker 2: twenty nineteen. 410 00:19:17,560 --> 00:19:20,320 Speaker 3: Yeah, Like I would love that, but I don't think 411 00:19:20,400 --> 00:19:23,320 Speaker 3: that's the way it's going. Sadly, because you know, they've 412 00:19:23,320 --> 00:19:25,560 Speaker 3: obviously just gone through this merger and they're spending a 413 00:19:25,560 --> 00:19:28,560 Speaker 3: lot of money on marketing, which really annoys me, Like 414 00:19:28,600 --> 00:19:32,480 Speaker 3: they're marketing to me is wild, Like, you know, I've 415 00:19:32,480 --> 00:19:34,440 Speaker 3: obviously got this really big platform, so I have to 416 00:19:34,480 --> 00:19:36,680 Speaker 3: be careful what I say. But at the same time, 417 00:19:36,760 --> 00:19:40,720 Speaker 3: I do think it's quite irresponsible, like where they say, yeah, 418 00:19:40,760 --> 00:19:43,120 Speaker 3: it's just a lot, and I feel like it's one 419 00:19:43,160 --> 00:19:46,080 Speaker 3: of those things that you know, over time, I hope 420 00:19:46,080 --> 00:19:48,600 Speaker 3: that we can create that. I don't want to say 421 00:19:48,680 --> 00:19:50,840 Speaker 3: I want to create a stigma, but I want people 422 00:19:50,880 --> 00:19:53,639 Speaker 3: to understand it because the amount of times I've spoken 423 00:19:53,680 --> 00:19:56,600 Speaker 3: to even clients of mine and I say, you know, 424 00:19:56,720 --> 00:19:59,439 Speaker 3: go through their fact find in my financial advice meetings, 425 00:19:59,480 --> 00:20:01,520 Speaker 3: and I go, oh, Tony, do you have any debts? 426 00:20:01,560 --> 00:20:03,359 Speaker 3: And they go, oh no, no, no, like do you 427 00:20:03,400 --> 00:20:05,359 Speaker 3: have any credit cards? Oh no, I'd never have a 428 00:20:05,359 --> 00:20:08,399 Speaker 3: credit card. And then you go, okay, cool, I after pay, zippay, 429 00:20:08,440 --> 00:20:10,280 Speaker 3: any of those things. Oh yeah, I have after pay 430 00:20:10,280 --> 00:20:13,240 Speaker 3: and I have Zippay. And you go, you do have debt, 431 00:20:13,359 --> 00:20:15,360 Speaker 3: like you do and they're like, no, no, no, it's 432 00:20:15,359 --> 00:20:18,240 Speaker 3: not debts just after pay. You're like, oh, okay, it's 433 00:20:18,240 --> 00:20:19,480 Speaker 3: still there. It's still debt. 434 00:20:19,520 --> 00:20:20,000 Speaker 4: Babs. Yeah. 435 00:20:20,600 --> 00:20:23,240 Speaker 3: But at the same time, you go, I can understand 436 00:20:23,280 --> 00:20:25,560 Speaker 3: why you don't see it that way, because it's never 437 00:20:25,600 --> 00:20:27,959 Speaker 3: been marketed to you in that way, and you know 438 00:20:28,040 --> 00:20:30,119 Speaker 3: that's where a lot of people are getting in trouble with, 439 00:20:30,160 --> 00:20:32,280 Speaker 3: like mortgage brokers and stuff. I could go on about 440 00:20:32,320 --> 00:20:33,919 Speaker 3: this for ages, and I do in a number of 441 00:20:33,920 --> 00:20:36,960 Speaker 3: our other podcasts. So let's leave it there and move 442 00:20:37,000 --> 00:20:39,920 Speaker 3: on to the next question, my friend, and that is 443 00:20:40,040 --> 00:20:43,159 Speaker 3: the question to wrap this segment, and it is what 444 00:20:43,359 --> 00:20:45,520 Speaker 3: grade would you give yourself? If I forced you to 445 00:20:45,520 --> 00:20:46,639 Speaker 3: give your money habits a. 446 00:20:46,720 --> 00:20:51,440 Speaker 4: Grade, I'd probably give myself a being minus. I think 447 00:20:51,440 --> 00:20:55,600 Speaker 4: I'm like, I'm definitely ten bog like last year it 448 00:20:55,600 --> 00:20:58,280 Speaker 4: would have been like an F whereas like, I have 449 00:20:58,840 --> 00:21:03,040 Speaker 4: consistent money habits are good money habits and I can 450 00:21:03,119 --> 00:21:06,480 Speaker 4: save my money now. And yeah, I definitely think of 451 00:21:06,560 --> 00:21:08,359 Speaker 4: being minus. Still things that I need to work on, 452 00:21:08,600 --> 00:21:10,879 Speaker 4: still need to stop impost shopping when I get bored, 453 00:21:11,280 --> 00:21:14,879 Speaker 4: But you know I have created better money habits for 454 00:21:14,960 --> 00:21:16,840 Speaker 4: myself definitely within the past year. 455 00:21:19,200 --> 00:21:23,840 Speaker 5: Look at that growth, Tony from an Like, if I 456 00:21:23,920 --> 00:21:25,760 Speaker 5: had a kid and they were at school and they 457 00:21:25,800 --> 00:21:27,919 Speaker 5: failed something one year and then the next year they 458 00:21:27,960 --> 00:21:30,040 Speaker 5: were a B minus, like I would one thousand percent 459 00:21:30,200 --> 00:21:31,600 Speaker 5: let them have backs for dinner. 460 00:21:31,760 --> 00:21:33,920 Speaker 3: I'd be like, all right, we're going to MACS. We're 461 00:21:33,920 --> 00:21:36,000 Speaker 3: getting drive through on the way home. I don't know 462 00:21:36,000 --> 00:21:37,960 Speaker 3: how else your parents treated you, but like that was 463 00:21:38,000 --> 00:21:38,960 Speaker 3: totally a treat for. 464 00:21:41,680 --> 00:21:43,520 Speaker 4: When they used to flurry them properly. 465 00:21:43,960 --> 00:21:45,840 Speaker 2: Yes, they do have anymore. 466 00:21:46,160 --> 00:21:47,320 Speaker 4: No, they just put the Eminem's on. 467 00:21:48,520 --> 00:21:51,159 Speaker 3: I'm under the assumption that a mcfluury now is a 468 00:21:51,400 --> 00:21:54,560 Speaker 3: poorly packaged Sunday and. 469 00:21:54,600 --> 00:21:56,720 Speaker 2: Not even as good as a proper Sunday, do you 470 00:21:56,760 --> 00:21:57,280 Speaker 2: know what I mean? 471 00:21:57,760 --> 00:22:00,480 Speaker 3: Yeah, because like you could get a Sunday and get 472 00:22:00,480 --> 00:22:02,400 Speaker 3: them to put the M and m's on it in addition, 473 00:22:02,520 --> 00:22:06,240 Speaker 3: and that's instantly better than whatever they're calling a mcflurry that. 474 00:22:06,280 --> 00:22:09,440 Speaker 2: You go to Kohl's and buy EM and m's right 475 00:22:09,760 --> 00:22:12,520 Speaker 2: for like what three or four dollars, and you could 476 00:22:12,600 --> 00:22:17,240 Speaker 2: go and get a McDonald's fifty cent cone for yes, 477 00:22:17,320 --> 00:22:21,200 Speaker 2: and you could dip it into the bag of Eminem's. 478 00:22:21,320 --> 00:22:24,520 Speaker 3: Smarter to me, why are we smarter? And you know what, 479 00:22:24,600 --> 00:22:27,560 Speaker 3: while we're on the mcflurry train, I don't even eat mcfluurri's, 480 00:22:27,640 --> 00:22:30,800 Speaker 3: but my partner does. And the audacity they have to 481 00:22:30,880 --> 00:22:34,440 Speaker 3: still give you those spoons that connect to the machine 482 00:22:34,440 --> 00:22:37,119 Speaker 3: to do they don't mix it. Just give you a 483 00:22:37,160 --> 00:22:41,120 Speaker 3: normal spoon, my friend. This is that's wild. Anyway, we'll 484 00:22:41,160 --> 00:22:49,040 Speaker 3: chat more about mcfluury's after this quick break. All right, 485 00:22:49,200 --> 00:22:51,879 Speaker 3: So money darist, we've been through after pay. We've spoken 486 00:22:51,880 --> 00:22:55,480 Speaker 3: about mcfluury's very important. We have also spoken about how 487 00:22:55,520 --> 00:22:58,000 Speaker 3: you've had epic personal growth over the last twelve months, 488 00:22:58,040 --> 00:23:01,600 Speaker 3: which I am so wild proud of you for. But 489 00:23:01,760 --> 00:23:03,919 Speaker 3: it would be really remiss to not touch on the 490 00:23:03,960 --> 00:23:07,119 Speaker 3: fact that you've gone through three really really big events 491 00:23:07,160 --> 00:23:10,040 Speaker 3: in a very short period of time, which I think 492 00:23:10,280 --> 00:23:13,280 Speaker 3: is so important to talk about. So let's start with 493 00:23:13,400 --> 00:23:15,679 Speaker 3: the first one, which I think is the biggest and 494 00:23:15,920 --> 00:23:19,399 Speaker 3: arguably most traumatic one, and that is your dad passing away. 495 00:23:19,840 --> 00:23:23,000 Speaker 3: So how have you gotten through that? It's only recent 496 00:23:23,280 --> 00:23:26,160 Speaker 3: But also you mentioned you have a massive inheritance. How 497 00:23:26,200 --> 00:23:29,520 Speaker 3: are you mentally dealing with that? Because it's everything all 498 00:23:29,560 --> 00:23:30,080 Speaker 3: at once. 499 00:23:31,480 --> 00:23:34,000 Speaker 4: Yeah, it is everything all at once, and you know, 500 00:23:34,480 --> 00:23:37,760 Speaker 4: I think it came as a massive shock. My relationship 501 00:23:37,800 --> 00:23:40,600 Speaker 4: with Dad was never easy, it was you know, never 502 00:23:40,840 --> 00:23:44,720 Speaker 4: really great, so I think that also came the whole 503 00:23:44,760 --> 00:23:47,880 Speaker 4: heap of different emotions when he passed as well. For sure, 504 00:23:47,920 --> 00:23:50,720 Speaker 4: like a lot of I was a guilt, a lot 505 00:23:50,720 --> 00:23:54,239 Speaker 4: of guilt for not being as present as you know, 506 00:23:54,400 --> 00:23:57,479 Speaker 4: I kind of wish that I was in hindsight, you know, 507 00:23:57,920 --> 00:24:02,320 Speaker 4: my brother and I made a sound decision by you know, 508 00:24:02,720 --> 00:24:06,320 Speaker 4: keeping our relationship as it was, but it was it's 509 00:24:06,320 --> 00:24:08,160 Speaker 4: never going to be easy when a parent passes away, 510 00:24:08,160 --> 00:24:11,719 Speaker 4: regardless of your relationship with them. And it was a 511 00:24:11,760 --> 00:24:15,760 Speaker 4: massive shock. It took a really long time to actually 512 00:24:16,359 --> 00:24:18,760 Speaker 4: process it. Like I mean, I found out I want 513 00:24:18,800 --> 00:24:20,280 Speaker 4: to work the next day because I was like, I 514 00:24:20,320 --> 00:24:22,640 Speaker 4: don't want to sit at home and you know, deal 515 00:24:22,680 --> 00:24:24,679 Speaker 4: with my emotions. And I was like, I'm just going 516 00:24:24,720 --> 00:24:27,159 Speaker 4: to go to work and just avoid it. And I 517 00:24:27,200 --> 00:24:29,399 Speaker 4: think once we had to go to his house and 518 00:24:29,440 --> 00:24:32,159 Speaker 4: pack up his things, it was really like, Okay, I 519 00:24:32,200 --> 00:24:34,639 Speaker 4: have to deal with this. This has happened. My brother 520 00:24:34,680 --> 00:24:37,199 Speaker 4: needs me. We have so much that we have to 521 00:24:37,240 --> 00:24:39,920 Speaker 4: deal with. Like I'm twenty two, Like I've never planned 522 00:24:39,920 --> 00:24:42,479 Speaker 4: a funeral in my life. Like, you know, it was 523 00:24:42,680 --> 00:24:45,439 Speaker 4: a lot. It was a lot to deal with, and 524 00:24:45,520 --> 00:24:48,080 Speaker 4: it was something that you don't expect to deal with, 525 00:24:48,160 --> 00:24:51,600 Speaker 4: Like you never anticipate that that's going to happen, unless you, 526 00:24:51,600 --> 00:24:54,600 Speaker 4: you know, have a terminally ill parent, like it was 527 00:24:54,640 --> 00:24:56,840 Speaker 4: a it was a shock, Like it was a massive shock. 528 00:24:57,200 --> 00:24:58,920 Speaker 4: I think that's why it took a little bit longer 529 00:24:59,000 --> 00:25:01,320 Speaker 4: to comprehend. 530 00:25:01,080 --> 00:25:04,160 Speaker 3: To ask another question. It wasn't something that you guys 531 00:25:04,160 --> 00:25:07,120 Speaker 3: had anticipated, Like he wasn't sick for a really long 532 00:25:07,160 --> 00:25:09,239 Speaker 3: time and you guys had been preparing for it. It 533 00:25:09,280 --> 00:25:11,320 Speaker 3: was just like completely out of the blue. 534 00:25:11,640 --> 00:25:13,720 Speaker 4: Yeah, yeah, completely king. 535 00:25:14,200 --> 00:25:17,000 Speaker 3: No, there's no way to, you know, say like, oh, 536 00:25:17,080 --> 00:25:20,919 Speaker 3: I'm so sorry, and there's no better or worse because Tony, 537 00:25:20,960 --> 00:25:24,040 Speaker 3: you've been through this, your mom passed away and you 538 00:25:24,280 --> 00:25:26,720 Speaker 3: had that. I guess you could call it warning time, 539 00:25:26,760 --> 00:25:29,320 Speaker 3: but it doesn't make it any easier or any different, 540 00:25:29,520 --> 00:25:33,040 Speaker 3: and like there's no better way, is there. 541 00:25:33,119 --> 00:25:35,880 Speaker 2: Like it's hard because it's one of those things where 542 00:25:35,920 --> 00:25:40,400 Speaker 2: people say, like, oh, my parent or friend has died 543 00:25:40,440 --> 00:25:42,679 Speaker 2: really suddenly, and I wish I had a chance to 544 00:25:42,680 --> 00:25:46,040 Speaker 2: say goodbye. But then also when you've got eleven months 545 00:25:46,080 --> 00:25:48,760 Speaker 2: to kind of work yourself up to saying goodbye, like 546 00:25:49,000 --> 00:25:51,680 Speaker 2: that neither is good, neither is better than the other, 547 00:25:51,920 --> 00:25:56,119 Speaker 2: and it's just it's it's really hard, and like this 548 00:25:56,240 --> 00:25:58,840 Speaker 2: has all been so recent for you, so I can 549 00:25:58,960 --> 00:26:02,080 Speaker 2: I can you know there's so much still for you 550 00:26:02,160 --> 00:26:06,679 Speaker 2: to learn from it and to grow. And obviously I'm devs. 551 00:26:06,800 --> 00:26:08,720 Speaker 2: My mum and I are really really close. I have 552 00:26:09,000 --> 00:26:13,560 Speaker 2: very close family, and that has changed me so much. 553 00:26:13,600 --> 00:26:15,760 Speaker 2: But I was nineteen, so I was your brother's age 554 00:26:15,760 --> 00:26:19,440 Speaker 2: where my mom passed away, and there's so many reasons 555 00:26:19,440 --> 00:26:21,360 Speaker 2: for me to be really grateful for that, because I've 556 00:26:21,440 --> 00:26:24,679 Speaker 2: learned so much and I wouldn't be the way that 557 00:26:24,720 --> 00:26:28,440 Speaker 2: I am now if that hadn't have happened. And obviously, 558 00:26:28,560 --> 00:26:32,840 Speaker 2: being a finance podcast, I guess one of my questions 559 00:26:32,840 --> 00:26:34,919 Speaker 2: would be, given that you said that you have a 560 00:26:34,920 --> 00:26:37,840 Speaker 2: lot of anxiety around around your money, I'm sure that 561 00:26:37,880 --> 00:26:41,560 Speaker 2: this has impacted it a lot, but do you feel 562 00:26:41,600 --> 00:26:43,960 Speaker 2: like it's made it scarier because you've kind of lost 563 00:26:44,000 --> 00:26:46,600 Speaker 2: another part of something that was kind of like that 564 00:26:46,720 --> 00:26:49,880 Speaker 2: stability of you know, oh, you just think that that's 565 00:26:49,920 --> 00:26:52,080 Speaker 2: always going to be there. You don't expect that your 566 00:26:52,119 --> 00:26:54,760 Speaker 2: parents are going to pass away, especially so young, So 567 00:26:55,080 --> 00:26:58,159 Speaker 2: do you feel like that's added to the pressure you 568 00:26:58,240 --> 00:27:00,800 Speaker 2: put on yourself to do better with your money and 569 00:27:00,920 --> 00:27:02,960 Speaker 2: do better at life and things like that. 570 00:27:04,040 --> 00:27:08,040 Speaker 4: I think my dad's relationship with money was always a 571 00:27:08,040 --> 00:27:11,320 Speaker 4: little bit fragile too, And I think that given the 572 00:27:11,359 --> 00:27:15,960 Speaker 4: amount of money that we you know, will inherit, you 573 00:27:16,040 --> 00:27:18,560 Speaker 4: kind of just want to do justice to that money, 574 00:27:18,600 --> 00:27:20,520 Speaker 4: like you don't want it to go to waste, and 575 00:27:20,560 --> 00:27:24,000 Speaker 4: you want it to be something that you know, you 576 00:27:24,880 --> 00:27:29,360 Speaker 4: value and spend properly, you know, spends sensibly. 577 00:27:29,960 --> 00:27:32,600 Speaker 2: Which is a lot of pressure too because you're like, oh, 578 00:27:32,600 --> 00:27:34,679 Speaker 2: my god, would he approve of what I'm doing? 579 00:27:34,840 --> 00:27:38,320 Speaker 4: And yeah, yeah, and I think he would approve of 580 00:27:38,359 --> 00:27:40,879 Speaker 4: it anyway we spend the money like he's you know, 581 00:27:41,040 --> 00:27:44,360 Speaker 4: he would really support whatever we wanted to do. And 582 00:27:44,560 --> 00:27:47,359 Speaker 4: you know, like I said, our relationship was never great, 583 00:27:47,800 --> 00:27:51,359 Speaker 4: so I truly think that he just wanted us to 584 00:27:51,400 --> 00:27:53,800 Speaker 4: be happy. And you know, if it's the next best 585 00:27:53,840 --> 00:27:55,560 Speaker 4: thing that we have this money and we can make 586 00:27:55,600 --> 00:27:58,160 Speaker 4: something out of it, then you know, that's what we're 587 00:27:58,160 --> 00:28:00,679 Speaker 4: going to have to do. So for sure, Yeah, definitely 588 00:28:00,760 --> 00:28:03,280 Speaker 4: need to be sensible about it and respect you know 589 00:28:03,359 --> 00:28:06,600 Speaker 4: that we've come into this money. We haven't earned it, 590 00:28:07,160 --> 00:28:08,560 Speaker 4: you know, and we would give it all back if 591 00:28:08,560 --> 00:28:11,280 Speaker 4: we caught it, but we can't. So yeah, and I 592 00:28:11,359 --> 00:28:12,440 Speaker 4: have to do something good with it. 593 00:28:12,680 --> 00:28:15,360 Speaker 3: I think that's really special. And before when we were 594 00:28:15,400 --> 00:28:18,600 Speaker 3: off air, you said something that your mom told you 595 00:28:18,680 --> 00:28:21,080 Speaker 3: that was really special, and I think that I would 596 00:28:21,119 --> 00:28:24,520 Speaker 3: love you to share that just because I know that 597 00:28:24,720 --> 00:28:26,720 Speaker 3: you're not the only one going through this. A lot 598 00:28:26,800 --> 00:28:29,320 Speaker 3: of people listen to this podcast and either going through this, 599 00:28:29,440 --> 00:28:32,000 Speaker 3: are going to go through this. And what did your 600 00:28:32,080 --> 00:28:34,040 Speaker 3: mom say about the money? 601 00:28:34,440 --> 00:28:37,199 Speaker 4: So mum, you know when she caught me and told me, 602 00:28:37,280 --> 00:28:39,800 Speaker 4: she said, you know, your relationship with your dad has 603 00:28:39,880 --> 00:28:42,760 Speaker 4: never been easy, and this is his way now of 604 00:28:42,800 --> 00:28:44,880 Speaker 4: being able to take care of you and you know, 605 00:28:45,240 --> 00:28:48,200 Speaker 4: help you through your future. And that's you know, you 606 00:28:48,400 --> 00:28:50,440 Speaker 4: have to do good with the money because you know 607 00:28:50,600 --> 00:28:53,040 Speaker 4: this is his way of looking after you. 608 00:28:53,360 --> 00:28:55,960 Speaker 3: And I think that's really really special. Like that's one 609 00:28:56,000 --> 00:28:59,040 Speaker 3: of those things that a lot of people when it 610 00:28:59,080 --> 00:29:02,960 Speaker 3: comes to inherit feel a lot of guilt, but also 611 00:29:03,640 --> 00:29:07,440 Speaker 3: don't think that, Okay, yup, this is really terrible. But 612 00:29:08,080 --> 00:29:11,360 Speaker 3: that person's probably super proud if they were able to 613 00:29:11,440 --> 00:29:14,200 Speaker 3: understand what was going on now to have set you 614 00:29:14,320 --> 00:29:17,360 Speaker 3: up and to actually have an impact in your life 615 00:29:17,400 --> 00:29:21,040 Speaker 3: in a really positive way because they can't be there. 616 00:29:21,160 --> 00:29:23,200 Speaker 3: And I think that that's, Yeah, it's just a really 617 00:29:23,280 --> 00:29:25,720 Speaker 3: kind way of looking at it. And you know, it 618 00:29:25,920 --> 00:29:28,000 Speaker 3: changes the guilt because a lot of people are like, 619 00:29:28,080 --> 00:29:30,360 Speaker 3: oh my gosh, like I don't deserve this, or you know, 620 00:29:30,480 --> 00:29:32,440 Speaker 3: as you were saying before, I didn't have a good 621 00:29:32,480 --> 00:29:34,960 Speaker 3: relationship with my dad and now I feel awful because 622 00:29:35,000 --> 00:29:38,880 Speaker 3: I'm benefiting from it. But that person would be so 623 00:29:39,080 --> 00:29:42,080 Speaker 3: proud to know that they've had such a positive impact 624 00:29:42,120 --> 00:29:45,080 Speaker 3: on your life and putting you so far ahead. So 625 00:29:45,360 --> 00:29:47,480 Speaker 3: it's one of those things where, yeah, we have a 626 00:29:47,480 --> 00:29:49,120 Speaker 3: lot of guilt and a lot of work that I 627 00:29:49,200 --> 00:29:52,160 Speaker 3: do with my clients. And I've said before, I actually 628 00:29:52,200 --> 00:29:55,360 Speaker 3: work in this space, and you know, at my financial 629 00:29:55,360 --> 00:29:59,120 Speaker 3: advice business, most of my clients are inheritance clients. We 630 00:29:59,200 --> 00:30:02,400 Speaker 3: actually end up doing a lot of work beforehand. And 631 00:30:02,400 --> 00:30:05,200 Speaker 3: I guess that's where my psychology degree comes into play, 632 00:30:05,240 --> 00:30:07,880 Speaker 3: because I don't want any of my clients or friends 633 00:30:07,960 --> 00:30:10,880 Speaker 3: or even family to feel ever guilty about that because 634 00:30:10,920 --> 00:30:14,120 Speaker 3: nobody deserves to carry that burden. So like it's important 635 00:30:14,160 --> 00:30:16,840 Speaker 3: to work through that before you even think about investing it, 636 00:30:16,920 --> 00:30:20,760 Speaker 3: because nobody wants to carry that. But moving on from that, 637 00:30:21,000 --> 00:30:24,520 Speaker 3: you've also gone through a relationship breakdown during this period 638 00:30:24,600 --> 00:30:29,000 Speaker 3: of time. How has that impacted you financially, emotionally, like 639 00:30:29,040 --> 00:30:30,640 Speaker 3: that's just playing stacks on. 640 00:30:31,880 --> 00:30:36,840 Speaker 4: Yeah. I think when it first happened, my relationship with 641 00:30:37,080 --> 00:30:40,880 Speaker 4: money and my ex boyfriend's relationship with money was completely different, 642 00:30:41,120 --> 00:30:44,520 Speaker 4: Like he was so diligent with his money, so careful, 643 00:30:45,000 --> 00:30:48,840 Speaker 4: was so good with it, and I obviously wasn't for 644 00:30:48,880 --> 00:30:52,760 Speaker 4: a really long time. And I think he really taught 645 00:30:52,840 --> 00:30:56,600 Speaker 4: me a lot about money and like a lot of 646 00:30:56,640 --> 00:31:00,480 Speaker 4: the importance about having it and what to do with 647 00:31:00,520 --> 00:31:03,960 Speaker 4: it and you know, making them most out of it. 648 00:31:04,280 --> 00:31:06,760 Speaker 4: But when we broke up, I was like, oh my god, 649 00:31:07,040 --> 00:31:10,520 Speaker 4: I can spend whatever I want and not have to 650 00:31:11,160 --> 00:31:14,280 Speaker 4: answer to anyone, Like it's my money, I can do 651 00:31:14,320 --> 00:31:16,920 Speaker 4: whatever I want with it, and got really excited, went 652 00:31:16,960 --> 00:31:18,760 Speaker 4: on like a little bit of a shopping binge, and 653 00:31:18,800 --> 00:31:21,840 Speaker 4: I could like I acknowledge what I was doing. I 654 00:31:21,920 --> 00:31:23,360 Speaker 4: knew what I was doing, and I knew why I 655 00:31:23,440 --> 00:31:25,720 Speaker 4: was doing it, and it felt good at the time, 656 00:31:25,880 --> 00:31:27,360 Speaker 4: and you know, I don't regret it. I bought some 657 00:31:27,360 --> 00:31:29,840 Speaker 4: of my things, but. 658 00:31:29,400 --> 00:31:32,760 Speaker 3: Personal grow it's historically you would have felt really anxious, 659 00:31:32,840 --> 00:31:34,800 Speaker 3: but now she's like, yeah, I'm going to treat myself. 660 00:31:34,920 --> 00:31:35,840 Speaker 3: I deserve this. 661 00:31:36,120 --> 00:31:39,920 Speaker 2: I love that you probably also would have spent way more. Yeah, 662 00:31:40,080 --> 00:31:42,959 Speaker 2: like like, given that you're being a bit more mindful, 663 00:31:42,960 --> 00:31:44,960 Speaker 2: You're like, I'm doing this because I want to do 664 00:31:45,040 --> 00:31:47,080 Speaker 2: it and it's going to make me feel nice, and 665 00:31:47,120 --> 00:31:50,000 Speaker 2: you actually enjoyed it, rather than binging and then feeling 666 00:31:50,120 --> 00:31:52,560 Speaker 2: awful about it later and looking at a bank account 667 00:31:52,600 --> 00:31:54,480 Speaker 2: and going, oh my god, I really wish I didn't 668 00:31:54,480 --> 00:31:54,880 Speaker 2: do that. 669 00:31:55,320 --> 00:31:58,560 Speaker 4: Exactly. Yeah, absolutely so, I mean it was it was 670 00:31:58,600 --> 00:32:02,640 Speaker 4: a weird couple of weeks that it's you know, my 671 00:32:03,320 --> 00:32:05,760 Speaker 4: he taught me a lot about money and I you know, 672 00:32:06,280 --> 00:32:09,360 Speaker 4: really helped change my mindset about it. So I could 673 00:32:09,440 --> 00:32:11,440 Speaker 4: never thank him enough for it. And I just know that, 674 00:32:11,960 --> 00:32:14,120 Speaker 4: you know, I have a better mindset about money now 675 00:32:14,480 --> 00:32:15,240 Speaker 4: because of him. 676 00:32:15,760 --> 00:32:17,160 Speaker 3: Oh I love that. 677 00:32:17,160 --> 00:32:19,240 Speaker 2: That's It's really nice that you can take that away. 678 00:32:19,640 --> 00:32:23,200 Speaker 3: Yeah, it's such a gracious thing to say about a relationship, 679 00:32:23,720 --> 00:32:26,440 Speaker 3: because I feel like so often people want to diss 680 00:32:26,480 --> 00:32:30,000 Speaker 3: their exes and you know, not acknowledge that, Yeah, cool, 681 00:32:30,000 --> 00:32:32,640 Speaker 3: this relationship isn't serving us anymore. But that doesn't make 682 00:32:32,720 --> 00:32:35,320 Speaker 3: either of us bad people, and it doesn't mean that 683 00:32:35,720 --> 00:32:38,040 Speaker 3: I didn't get anything out of that. That's actually a 684 00:32:38,080 --> 00:32:41,480 Speaker 3: really beautiful way of looking at it. On top of 685 00:32:41,520 --> 00:32:44,440 Speaker 3: all of this, my friend, you lost your job? 686 00:32:45,000 --> 00:32:45,600 Speaker 4: I sure did. 687 00:32:46,160 --> 00:32:49,120 Speaker 3: How did this all happen? Was like, and which order 688 00:32:49,160 --> 00:32:52,160 Speaker 3: did this happen in? Because I just feel like at 689 00:32:52,160 --> 00:32:54,720 Speaker 3: one point you are you know what, whatever, I don't 690 00:32:55,400 --> 00:32:58,240 Speaker 3: like take it. I don't even need that job, see 691 00:32:58,280 --> 00:33:01,040 Speaker 3: your job? See you know, well I saw this coming. 692 00:33:01,480 --> 00:33:04,800 Speaker 3: But yeah, how did that all happen? Like what was 693 00:33:04,840 --> 00:33:08,280 Speaker 3: the process of these events? And you know, how did 694 00:33:08,320 --> 00:33:11,720 Speaker 3: you feel in that moment knowing, Oh my gosh, I 695 00:33:11,760 --> 00:33:14,440 Speaker 3: don't have that income and what am I going to 696 00:33:14,520 --> 00:33:15,200 Speaker 3: do about it? 697 00:33:16,120 --> 00:33:20,400 Speaker 4: Yeah? So the business I was working for was like, 698 00:33:20,440 --> 00:33:23,160 Speaker 4: I mean, I could see it going downhill, and I 699 00:33:23,240 --> 00:33:27,040 Speaker 4: knew that it wasn't gonna last a lot longer, so 700 00:33:27,560 --> 00:33:31,960 Speaker 4: I hadn't already prepared myself for it. So Dad had 701 00:33:32,000 --> 00:33:34,280 Speaker 4: died at the end of May. I got a call 702 00:33:34,400 --> 00:33:37,120 Speaker 4: mid June from my manager and she was like, look like, 703 00:33:37,160 --> 00:33:40,640 Speaker 4: I'm really sorry, but we're closing down the store. And 704 00:33:40,720 --> 00:33:43,520 Speaker 4: I was like, it's fine, Like I kind of I 705 00:33:43,640 --> 00:33:47,000 Speaker 4: kind of knew it was coming. Like it sucked, but 706 00:33:47,040 --> 00:33:49,160 Speaker 4: at least I had a little bit of time before 707 00:33:49,200 --> 00:33:51,680 Speaker 4: they closed the store to find another job. But it 708 00:33:51,720 --> 00:33:55,520 Speaker 4: was really like, oh my god, like another thing that 709 00:33:55,600 --> 00:33:57,360 Speaker 4: I have to worry about, something else I have to 710 00:33:57,400 --> 00:34:01,240 Speaker 4: think about. So you know, it's I you know, could 711 00:34:01,280 --> 00:34:03,200 Speaker 4: see it coming, but it's still sucked, and it was 712 00:34:03,240 --> 00:34:06,160 Speaker 4: still super stressful, Like it was my main thought of income, 713 00:34:06,760 --> 00:34:09,160 Speaker 4: and I'd been working there for four years, like I 714 00:34:09,200 --> 00:34:11,319 Speaker 4: had made friends for life there, so it was really 715 00:34:12,400 --> 00:34:14,279 Speaker 4: it was it sucked a bit, you know, it was 716 00:34:14,640 --> 00:34:17,239 Speaker 4: time for a new beginning. Anyway, I had been there 717 00:34:17,280 --> 00:34:19,719 Speaker 4: since the store opened. I was closing the store. I 718 00:34:19,719 --> 00:34:22,080 Speaker 4: had been there, you know, the whole time, So it 719 00:34:22,160 --> 00:34:24,040 Speaker 4: was it was a good way to go out. I think. 720 00:34:24,880 --> 00:34:28,280 Speaker 3: Yeah, it sounds really traumatic though, to have gone through 721 00:34:28,320 --> 00:34:31,319 Speaker 3: that and then recently broke up with your partner or 722 00:34:31,400 --> 00:34:34,240 Speaker 3: was that during this that happened? 723 00:34:34,320 --> 00:34:36,840 Speaker 4: So we broke up at the beginning of July, so 724 00:34:36,920 --> 00:34:39,600 Speaker 4: it was like May dad died, June I lost my job, 725 00:34:39,640 --> 00:34:41,520 Speaker 4: and then July we broke up. So it was really 726 00:34:41,920 --> 00:34:44,120 Speaker 4: like you said in threes, and it was really like 727 00:34:44,320 --> 00:34:46,400 Speaker 4: by the end of it, it was like what else, 728 00:34:46,840 --> 00:34:47,400 Speaker 4: what else? 729 00:34:48,400 --> 00:34:48,799 Speaker 3: What else? 730 00:34:49,200 --> 00:34:49,800 Speaker 4: Nothing else to do. 731 00:34:51,440 --> 00:34:53,480 Speaker 3: I'm so sorry that you've gone through all of this. 732 00:34:53,600 --> 00:34:56,520 Speaker 3: But the thing I'm really impressed with is actually your mindset. 733 00:34:56,760 --> 00:35:01,320 Speaker 3: And we're really lucky Tony that today we are recording online, 734 00:35:01,640 --> 00:35:03,960 Speaker 3: which means we can actually see you and you're a 735 00:35:04,080 --> 00:35:07,160 Speaker 3: super happy looking, glowy person. And I'm like, you went 736 00:35:07,160 --> 00:35:09,640 Speaker 3: through all of that and you're still so beautiful and 737 00:35:09,680 --> 00:35:12,520 Speaker 3: glowy and happy. And I think it's one of those 738 00:35:12,560 --> 00:35:16,400 Speaker 3: things that you never know what someone's going through, regardless 739 00:35:16,400 --> 00:35:18,880 Speaker 3: of what they look like. And that's why we always 740 00:35:18,920 --> 00:35:21,600 Speaker 3: need to be super kind, regardless of you know, the 741 00:35:21,680 --> 00:35:24,480 Speaker 3: situation or what we know or what we don't know. 742 00:35:25,160 --> 00:35:28,000 Speaker 3: And I'm just so I'm so grateful that I got 743 00:35:28,000 --> 00:35:30,120 Speaker 3: to have this chat with you and share all of 744 00:35:30,160 --> 00:35:34,040 Speaker 3: this with you, because it's a very interesting money story, 745 00:35:34,400 --> 00:35:37,319 Speaker 3: from having four hundred dollars in your account all the 746 00:35:37,320 --> 00:35:40,520 Speaker 3: way to saving twenty thousand dollars and now you know 747 00:35:40,920 --> 00:35:43,280 Speaker 3: inheritance is a very big part of your money story 748 00:35:43,320 --> 00:35:46,440 Speaker 3: and will be going forward. But your mindset towards that 749 00:35:46,600 --> 00:35:50,480 Speaker 3: is so positive, and a new relationship, a new life 750 00:35:50,480 --> 00:35:51,480 Speaker 3: for you is a head. 751 00:35:51,320 --> 00:35:55,040 Speaker 4: I think, yeah, a clean sight, Yeah yeah, And I 752 00:35:55,080 --> 00:35:57,120 Speaker 4: think yeah, Like I said, the universe wants me to 753 00:35:57,160 --> 00:35:59,200 Speaker 4: be out of my comfort zone and experience things that 754 00:35:59,239 --> 00:36:02,320 Speaker 4: I otherwise would have so yeah. 755 00:36:02,800 --> 00:36:03,920 Speaker 2: You know what I'm about to do? 756 00:36:04,440 --> 00:36:05,239 Speaker 3: What are you going to do? 757 00:36:05,360 --> 00:36:07,399 Speaker 2: So I feel like this is a really nice place 758 00:36:07,440 --> 00:36:09,480 Speaker 2: to leave it for today. But I'm about to mark 759 00:36:09,719 --> 00:36:12,719 Speaker 2: a year from today in my calendar and we'll get 760 00:36:12,719 --> 00:36:16,520 Speaker 2: you on again and we'll see exactly where you're at, 761 00:36:16,600 --> 00:36:19,520 Speaker 2: because if you've come this far in twelve months, where 762 00:36:20,320 --> 00:36:21,759 Speaker 2: another twelve Oh? 763 00:36:21,880 --> 00:36:25,560 Speaker 3: I love that, Tony. Yes please. Obviously money Darius has 764 00:36:25,560 --> 00:36:29,399 Speaker 3: to consent to this, but she might Oh Okay, all right, sorry, 765 00:36:29,400 --> 00:36:32,520 Speaker 3: we're just going to do it if you don't consent 766 00:36:32,600 --> 00:36:34,960 Speaker 3: to having another podcast with us, and we're just going 767 00:36:34,960 --> 00:36:43,040 Speaker 3: to stalk you on socials and give everybody an update. Okay, 768 00:36:43,200 --> 00:36:46,080 Speaker 3: as always, that is all we have time for today. 769 00:36:46,320 --> 00:36:48,680 Speaker 3: But just before we head off, we'd like to acknowledge 770 00:36:48,719 --> 00:36:52,960 Speaker 3: and pay respect to Australia's Aboriginal and Torres Straight islander people's. 771 00:36:53,280 --> 00:36:56,719 Speaker 3: They're the traditional custodians of the lands, the waterways and 772 00:36:56,760 --> 00:36:59,920 Speaker 3: the skies all across Australia. We thank you for she 773 00:37:00,000 --> 00:37:01,840 Speaker 3: caring and for caring for the land on which we 774 00:37:02,000 --> 00:37:04,640 Speaker 3: are able to learn. We pay her respects to elders 775 00:37:04,640 --> 00:37:08,239 Speaker 3: past and present, and we share our friendship and our kindness. 776 00:37:08,760 --> 00:37:11,280 Speaker 2: The advice shared on She's on the Money is generally 777 00:37:11,400 --> 00:37:15,160 Speaker 2: nature and does not consider your individual circumstances. She's on 778 00:37:15,200 --> 00:37:18,360 Speaker 2: the Money exists purely for educational purposes and should not 779 00:37:18,400 --> 00:37:21,600 Speaker 2: be relied upon to make an investment or any financial decision. 780 00:37:22,080 --> 00:37:25,520 Speaker 2: And we promise that Victoria Divine is an authorized representative 781 00:37:25,560 --> 00:37:29,080 Speaker 2: of Australia Pacific Funds Management pro prior to Limited ABN 782 00:37:29,200 --> 00:37:31,759 Speaker 2: three four one three two four six three two five 783 00:37:31,880 --> 00:37:35,719 Speaker 2: seven AFSL three three nine one five one. 784 00:37:35,760 --> 00:37:38,279 Speaker 3: And we will see you in twelve months for an 785 00:37:38,360 --> 00:37:39,400 Speaker 3: update on this money 786 00:37:39,440 --> 00:37:43,600 Speaker 2: Diary AHA bye and next week bye