1 00:00:00,440 --> 00:00:01,800 Speaker 1: On radio. 2 00:00:03,920 --> 00:00:09,799 Speaker 2: She's on The Money Radio Show with Victoria Divine. Starts now, 3 00:00:10,200 --> 00:00:12,920 Speaker 2: Hello and welcome to that. She's on the Money Radio 4 00:00:13,000 --> 00:00:16,880 Speaker 2: Show podcast, the radio show podcast for millennials who want 5 00:00:16,880 --> 00:00:20,799 Speaker 2: financial freedom. I was gonna say, I absolutely now that, 6 00:00:21,040 --> 00:00:23,319 Speaker 2: because I know that this whole thing is going to 7 00:00:23,320 --> 00:00:25,360 Speaker 2: be about you, Victoria Divine, So I wanted to get 8 00:00:25,400 --> 00:00:27,000 Speaker 2: my little moment in the sun before we talk about 9 00:00:27,000 --> 00:00:27,400 Speaker 2: your wedding. 10 00:00:27,640 --> 00:00:29,240 Speaker 3: Is now when I tell you that I'm the she 11 00:00:29,400 --> 00:00:30,560 Speaker 3: and she's on the money. 12 00:00:30,800 --> 00:00:34,400 Speaker 1: Oh sorry, I'm actually the he. So the S actually 13 00:00:34,440 --> 00:00:36,120 Speaker 1: just stands for sex, and then that that he is 14 00:00:36,240 --> 00:00:36,720 Speaker 1: actually me. 15 00:00:37,240 --> 00:00:38,880 Speaker 4: Oh that's fantastic. 16 00:00:38,920 --> 00:00:41,360 Speaker 3: The other day, came into the studio and Travid put 17 00:00:41,360 --> 00:00:44,240 Speaker 3: a sign over the S, so it just said he's 18 00:00:44,280 --> 00:00:45,639 Speaker 3: on the money. I was like, you know what, I'll 19 00:00:45,680 --> 00:00:47,960 Speaker 3: just see myself out. Thanks for having me. Nice day, 20 00:00:48,159 --> 00:00:48,839 Speaker 3: enjoy your day. 21 00:00:48,920 --> 00:00:53,080 Speaker 2: Could you imagine a financial show with just me and Mitch? 22 00:00:53,320 --> 00:00:58,080 Speaker 3: To be honest, it would be quite good. 23 00:00:58,320 --> 00:01:00,720 Speaker 4: Elite people would be so engaged. 24 00:01:01,360 --> 00:01:04,320 Speaker 3: I mean, they're probably screwed for a diamond, but that's 25 00:01:04,319 --> 00:01:05,560 Speaker 3: okay because they had a good time. 26 00:01:05,640 --> 00:01:06,280 Speaker 2: Right, that's a right. 27 00:01:06,280 --> 00:01:08,800 Speaker 1: We just sponsored have to be hungry jacks because all 28 00:01:08,800 --> 00:01:11,760 Speaker 1: the tips would just be drive through hacks. 29 00:01:12,840 --> 00:01:15,880 Speaker 4: Me and my mac is at I'd be one with 30 00:01:15,920 --> 00:01:16,720 Speaker 4: the listener. 31 00:01:16,440 --> 00:01:19,000 Speaker 2: Questions, what's the thing in your wedding where you were like, 32 00:01:19,040 --> 00:01:20,960 Speaker 2: oh my god, I have to have that and it 33 00:01:20,959 --> 00:01:22,840 Speaker 2: doesn't matter how much it costs. What was that one 34 00:01:22,840 --> 00:01:23,480 Speaker 2: thing that you got? 35 00:01:23,760 --> 00:01:27,480 Speaker 3: Oh, that's a good question. I think, you know what. 36 00:01:27,640 --> 00:01:29,640 Speaker 3: I think there's two things. One, there was a non 37 00:01:29,680 --> 00:01:32,560 Speaker 3: negotiable that whatever wedding venue we had, my dog had 38 00:01:32,560 --> 00:01:35,039 Speaker 3: to come because I needed her there. I thought that 39 00:01:35,040 --> 00:01:37,560 Speaker 3: that was you know, obviously everything I do is. 40 00:01:37,560 --> 00:01:37,960 Speaker 4: With the dog. 41 00:01:38,080 --> 00:01:39,440 Speaker 2: She's a flower dog, right, Yeah. 42 00:01:39,319 --> 00:01:41,559 Speaker 4: She's a flower dog. She's also now the ring bearer. 43 00:01:42,040 --> 00:01:44,040 Speaker 3: She's got a little collar with a clip on ring 44 00:01:44,080 --> 00:01:45,679 Speaker 3: bearer holder thing, so she's. 45 00:01:45,600 --> 00:01:47,120 Speaker 1: Oh no, what if she eats and then you're gonna 46 00:01:47,120 --> 00:01:48,639 Speaker 1: have to see it through the pool the next morning. 47 00:01:49,080 --> 00:01:52,000 Speaker 4: Yeah, look that. Thankfully, I've got a wedding planner that 48 00:01:52,000 --> 00:01:52,720 Speaker 4: can be her problem. 49 00:01:52,920 --> 00:01:53,160 Speaker 1: True. 50 00:01:53,480 --> 00:01:56,240 Speaker 2: Sorry, sorry, or Gabby who's sitting in the studio here, 51 00:01:56,320 --> 00:01:59,520 Speaker 2: you're ea, so it's your shoes. 52 00:02:00,040 --> 00:02:02,520 Speaker 3: I really like I've got a thing for shoes. I've 53 00:02:02,520 --> 00:02:04,880 Speaker 3: talked about it on my podcast A million times before. 54 00:02:05,520 --> 00:02:09,359 Speaker 3: I really wanted a beautiful pair of shoes, and so 55 00:02:09,520 --> 00:02:11,840 Speaker 3: we kind of just didn't think about the budget on 56 00:02:11,840 --> 00:02:13,760 Speaker 3: that one, and thankfully they ended up being far more 57 00:02:13,800 --> 00:02:16,160 Speaker 3: reasonable than I thought they might end up being. But 58 00:02:16,840 --> 00:02:20,480 Speaker 3: that was where I was like, no expenses the other thing? 59 00:02:20,560 --> 00:02:22,040 Speaker 3: Am I lab more than one thing? I feel like 60 00:02:22,120 --> 00:02:23,160 Speaker 3: this makes my wedding. 61 00:02:23,040 --> 00:02:25,040 Speaker 2: We've already had, mate, so keep going. 62 00:02:25,280 --> 00:02:28,040 Speaker 4: Sorry, I really wanted live music. 63 00:02:28,840 --> 00:02:31,480 Speaker 3: I didn't realize how like how much things would add 64 00:02:31,560 --> 00:02:34,040 Speaker 3: up over time, but I really wanted live music. 65 00:02:34,200 --> 00:02:35,080 Speaker 4: So we've gone to So. 66 00:02:35,080 --> 00:02:36,119 Speaker 2: Who did you get? 67 00:02:38,000 --> 00:02:40,320 Speaker 4: We went with three different people. 68 00:02:44,520 --> 00:02:46,920 Speaker 3: I really wish she didn't ask me that because that 69 00:02:46,960 --> 00:02:49,760 Speaker 3: makes it sound terrible. But the wedding goes for a 70 00:02:49,840 --> 00:02:52,520 Speaker 3: really long time, so we've broken it up. Instead of 71 00:02:52,560 --> 00:02:55,280 Speaker 3: paying someone for like the entire period of time. 72 00:02:55,280 --> 00:02:58,400 Speaker 2: It actually doesn't until Friday next Friday. 73 00:02:58,600 --> 00:03:03,359 Speaker 3: Yeah, it goes for an entire Week'll strap yourselves in. No, No, 74 00:03:03,720 --> 00:03:06,440 Speaker 3: we're born for three different people over that period of time. 75 00:03:06,520 --> 00:03:07,880 Speaker 4: Like they're not overlapping or anything. 76 00:03:08,639 --> 00:03:10,520 Speaker 3: And to be honest, it ended up being about the 77 00:03:10,600 --> 00:03:13,239 Speaker 3: same price as it was going to to have someone 78 00:03:13,240 --> 00:03:15,800 Speaker 3: for that entire period because you just pay like their 79 00:03:15,800 --> 00:03:17,000 Speaker 3: hourly fees and stuff. 80 00:03:17,080 --> 00:03:18,880 Speaker 2: So the funny thing is, Mitch, I was at a 81 00:03:18,880 --> 00:03:21,920 Speaker 2: wedding last week and I know that you you know, 82 00:03:22,000 --> 00:03:26,240 Speaker 2: the term DJ is very thrown around quite lightly these days, 83 00:03:26,280 --> 00:03:28,560 Speaker 2: but yeah, it's pretty easy just to hit play on something. 84 00:03:28,639 --> 00:03:32,120 Speaker 2: These guys literally did nothing and they charged like two 85 00:03:32,160 --> 00:03:32,959 Speaker 2: and a half grand. 86 00:03:33,040 --> 00:03:33,800 Speaker 4: Are you serious? 87 00:03:33,840 --> 00:03:35,560 Speaker 3: That's just so salty because I can do that with 88 00:03:35,600 --> 00:03:36,560 Speaker 3: the Spotify playlist. 89 00:03:36,880 --> 00:03:39,440 Speaker 2: That is essentially what they're doing. That is munny win 90 00:03:39,560 --> 00:03:42,760 Speaker 2: for us. Wedding DJ robberies. Can we can we do 91 00:03:42,800 --> 00:03:44,680 Speaker 2: a little tag team and get your mine out of 92 00:03:44,680 --> 00:03:46,960 Speaker 2: the gun? Mate, I'm talking about being DJs mate, Well 93 00:03:47,200 --> 00:03:48,119 Speaker 2: travel Mitch. 94 00:03:50,280 --> 00:03:50,520 Speaker 4: Sick. 95 00:03:50,560 --> 00:03:53,040 Speaker 3: Wedding DJ, would you turn out to someone's wedding for 96 00:03:53,080 --> 00:03:53,720 Speaker 3: two and a half grand? 97 00:03:53,920 --> 00:03:56,320 Speaker 2: Absolutely for nothing? 98 00:03:56,600 --> 00:03:57,040 Speaker 4: Exactly? 99 00:03:58,840 --> 00:04:02,920 Speaker 2: Trav you DJ, Y, I'll MC the wedding, Y split 100 00:04:02,920 --> 00:04:03,720 Speaker 2: the money. It's perfect. 101 00:04:03,920 --> 00:04:05,360 Speaker 4: You know what, that's a dream team. 102 00:04:05,520 --> 00:04:08,200 Speaker 3: One of the hardest things when working out what the 103 00:04:08,240 --> 00:04:10,400 Speaker 3: wedding was going to look like, and you know whose 104 00:04:10,520 --> 00:04:14,920 Speaker 3: job was what was actually an MC because we actually 105 00:04:14,960 --> 00:04:18,279 Speaker 3: have hired our celebrate Megan to come and MC the 106 00:04:18,320 --> 00:04:20,800 Speaker 3: rest of the wedding because I just felt like We've 107 00:04:20,839 --> 00:04:23,400 Speaker 3: been to so many weddings and I feel like every 108 00:04:23,400 --> 00:04:25,800 Speaker 3: time it's like the best man or a friend and 109 00:04:25,880 --> 00:04:29,120 Speaker 3: they all have to stay really sober and remember what 110 00:04:29,240 --> 00:04:31,040 Speaker 3: to do and keep people on track. And having a 111 00:04:31,120 --> 00:04:32,880 Speaker 3: job at our wedding is not something I want a 112 00:04:32,920 --> 00:04:36,320 Speaker 3: close friend to have. Just like that does not feel 113 00:04:36,600 --> 00:04:39,719 Speaker 3: fair for you to come and have to essentially work, 114 00:04:39,960 --> 00:04:42,400 Speaker 3: because you know, you guys probably understand this a bit 115 00:04:42,400 --> 00:04:45,600 Speaker 3: more than the average bear, Like MCing is. 116 00:04:45,560 --> 00:04:46,840 Speaker 4: Actually full work. 117 00:04:47,000 --> 00:04:48,760 Speaker 3: Like it's not like, oh, just can you just tell 118 00:04:48,760 --> 00:04:51,159 Speaker 3: them to go inside now, No, there's like a run 119 00:04:51,200 --> 00:04:55,440 Speaker 3: sheet and timing and everyone trying to be funny at 120 00:04:55,440 --> 00:04:59,080 Speaker 3: the same time as being emotional and getting the point across. 121 00:04:59,120 --> 00:05:00,800 Speaker 2: I mean that's really hard for but easy for me. 122 00:05:01,160 --> 00:05:01,200 Speaker 1: No. 123 00:05:01,360 --> 00:05:03,920 Speaker 2: I experienced that on the weekend. Didn't have a beer 124 00:05:04,040 --> 00:05:06,359 Speaker 2: until ten o'clock because it was hectic. And it's the 125 00:05:06,400 --> 00:05:09,120 Speaker 2: balance though, of going, Okay, I see the bride and 126 00:05:09,160 --> 00:05:11,920 Speaker 2: groom am mingling, but we really need to get the 127 00:05:11,960 --> 00:05:12,640 Speaker 2: show on the road. 128 00:05:12,800 --> 00:05:16,080 Speaker 3: Yeah, exactly, Like it's your job to pull things together, 129 00:05:16,320 --> 00:05:19,200 Speaker 3: and I think that people really underestimate that role and 130 00:05:19,240 --> 00:05:20,680 Speaker 3: just go like get their mate to do it or 131 00:05:20,720 --> 00:05:23,440 Speaker 3: their cousin and unless they've got experience, it just makes 132 00:05:23,440 --> 00:05:25,839 Speaker 3: me a bit anxious because I've seen it go south before. 133 00:05:26,440 --> 00:05:28,880 Speaker 3: And so yeah, we ended up having someone come in 134 00:05:28,920 --> 00:05:31,880 Speaker 3: and do that, and I feel like it obviously hasn't 135 00:05:31,880 --> 00:05:33,840 Speaker 3: happened yet, but I think that's going to become one 136 00:05:33,839 --> 00:05:37,520 Speaker 3: of the best decisions we made because it's also just 137 00:05:37,720 --> 00:05:39,840 Speaker 3: a little bit nice. We've got a professional doing it 138 00:05:39,920 --> 00:05:41,920 Speaker 3: and everyone's going to be able to have a chill evening. 139 00:05:42,000 --> 00:05:42,200 Speaker 2: You know. 140 00:05:42,279 --> 00:05:44,120 Speaker 1: Well we chat about that and more, right, all the 141 00:05:44,120 --> 00:05:46,640 Speaker 1: other stuff that goes into funding and costing and throwing 142 00:05:46,680 --> 00:05:47,039 Speaker 1: a wedding. 143 00:05:47,200 --> 00:05:50,240 Speaker 2: I was about to say, yeah, we've actually spoken about 144 00:05:50,279 --> 00:05:53,279 Speaker 2: spending a heap of money in this podcast here. So 145 00:05:53,400 --> 00:05:55,320 Speaker 2: let's get into the show right now where we can 146 00:05:55,440 --> 00:05:59,159 Speaker 2: save you some money. Have a great wedding. Victoria Devine, 147 00:05:59,480 --> 00:06:01,760 Speaker 2: I love you. We two and that she's on The 148 00:06:01,760 --> 00:06:04,760 Speaker 2: Money Radio show starts right now. Yeah, for your Saturday 149 00:06:04,760 --> 00:06:06,960 Speaker 2: morning it is. She's on the Money radio show right 150 00:06:06,960 --> 00:06:10,080 Speaker 2: across the country with Australia's number one finance podcast of 151 00:06:10,200 --> 00:06:13,040 Speaker 2: Victoria Devine. We've got mixtury in here as well. 152 00:06:13,320 --> 00:06:15,360 Speaker 1: Hello, I'll tell you what I don't know what's going 153 00:06:15,400 --> 00:06:16,919 Speaker 1: on in the news. But every time I try to 154 00:06:16,960 --> 00:06:19,560 Speaker 1: watch the block, I get a breaking news update that 155 00:06:19,640 --> 00:06:22,240 Speaker 1: says interest rates or the big banks are about to 156 00:06:22,279 --> 00:06:24,760 Speaker 1: decide and about to release their statement. Interest rates have 157 00:06:24,880 --> 00:06:27,920 Speaker 1: risen highest inflation in forty years. I guess v you'd 158 00:06:27,920 --> 00:06:30,000 Speaker 1: be the one to ask, can you explain why this 159 00:06:30,040 --> 00:06:32,440 Speaker 1: is happening? And maybe even in layman's terms, like how 160 00:06:32,440 --> 00:06:34,599 Speaker 1: does interest rates affect us? Because it can be boring 161 00:06:34,640 --> 00:06:35,119 Speaker 1: and dry. 162 00:06:35,360 --> 00:06:38,479 Speaker 3: Yeah, so it actually happened to spite you, Midge, so 163 00:06:38,560 --> 00:06:41,640 Speaker 3: that it's even more unaffordable for a person's a millennial 164 00:06:41,760 --> 00:06:43,640 Speaker 3: or agen x or whatever the hell you are these 165 00:06:43,720 --> 00:06:45,719 Speaker 3: days to get Propertiesnial. 166 00:06:45,839 --> 00:06:47,520 Speaker 4: Do you feel spited? Is that one? 167 00:06:47,600 --> 00:06:47,760 Speaker 3: Now? 168 00:06:47,880 --> 00:06:48,039 Speaker 2: You know? 169 00:06:48,160 --> 00:06:50,200 Speaker 1: I walked past CommBank the other day and the attendant 170 00:06:50,200 --> 00:06:51,720 Speaker 1: at the teller looked at me and gave me stank 171 00:06:51,760 --> 00:06:53,599 Speaker 1: kind I thought the interest rates were about to rise. 172 00:06:53,640 --> 00:06:55,200 Speaker 1: I just had a feeling. I know, I knew it 173 00:06:55,240 --> 00:06:56,200 Speaker 1: was because of me. 174 00:06:56,480 --> 00:06:59,000 Speaker 4: Honestly, that's exactly how it works. But you are right. 175 00:06:59,200 --> 00:07:02,480 Speaker 3: It is the seventh consecutive month that we have had 176 00:07:02,520 --> 00:07:04,680 Speaker 3: an interest rate rise here in Australia, and I'm. 177 00:07:04,520 --> 00:07:07,279 Speaker 4: Not gonna lie. I kind of felt like this one 178 00:07:07,400 --> 00:07:07,799 Speaker 4: was coming. 179 00:07:07,880 --> 00:07:10,400 Speaker 3: Having spoken to our brokers in the business, they were like, yeah, 180 00:07:10,640 --> 00:07:12,880 Speaker 3: it's just gonna happen, like everyone's talking about it. And 181 00:07:12,880 --> 00:07:14,440 Speaker 3: I was like, surely we're not going to tip into 182 00:07:14,480 --> 00:07:15,200 Speaker 3: the seventh month. 183 00:07:15,240 --> 00:07:17,960 Speaker 4: But we have. On the first of November, they. 184 00:07:17,840 --> 00:07:20,280 Speaker 3: Announced that they were lifting the cash rate again by 185 00:07:20,320 --> 00:07:23,040 Speaker 3: twenty five points, so that meant it went up by 186 00:07:23,160 --> 00:07:26,239 Speaker 3: point two five percent, So it's now at two point 187 00:07:26,240 --> 00:07:29,600 Speaker 3: eight five percent. But basically it means that the back 188 00:07:29,640 --> 00:07:32,200 Speaker 3: to back rate hikes that have happened over the last 189 00:07:32,240 --> 00:07:36,560 Speaker 3: seven months have added eight hundred and fifteen dollars per 190 00:07:36,640 --> 00:07:37,520 Speaker 3: month to a. 191 00:07:37,440 --> 00:07:39,000 Speaker 4: Five hundred thousand dollars mortgage. 192 00:07:39,080 --> 00:07:41,440 Speaker 1: Oh my god, So when's it going to stop? Like 193 00:07:41,440 --> 00:07:43,280 Speaker 1: do you think we've reached critical mass? Like is this 194 00:07:43,360 --> 00:07:45,280 Speaker 1: the CAP or the RBA just going to keep on 195 00:07:45,360 --> 00:07:47,480 Speaker 1: hiking it up? And they can't just keep doing it now. 196 00:07:47,520 --> 00:07:50,800 Speaker 3: They can though, so they come because we currently are 197 00:07:50,880 --> 00:07:54,440 Speaker 3: in a circumstance where our inflation is so high, so 198 00:07:54,640 --> 00:07:57,960 Speaker 3: pushing mortgages off the table. We are actually talking about 199 00:07:58,040 --> 00:08:00,960 Speaker 3: everything being more expensive. I'm pretty sure macers, chippies were 200 00:08:00,960 --> 00:08:02,280 Speaker 3: more expensive the other day, Mitch. 201 00:08:02,440 --> 00:08:05,239 Speaker 1: So wait, wait, wait, so the cash rate can influence everything, 202 00:08:05,360 --> 00:08:08,360 Speaker 1: even my steam macus cheeseburger with an extra slice of bacon. 203 00:08:08,440 --> 00:08:11,120 Speaker 3: So the cash rate is usually increased, which is happening 204 00:08:11,160 --> 00:08:14,160 Speaker 3: right now, to try and mitigate what's happening with the 205 00:08:14,240 --> 00:08:17,560 Speaker 3: inflation and with this rising CPI. So what is happening 206 00:08:17,640 --> 00:08:21,040 Speaker 3: is CPI, and inflation is basically the increasing costs of 207 00:08:21,080 --> 00:08:24,680 Speaker 3: goods and services. So CPI is the consumer price index. 208 00:08:24,720 --> 00:08:26,840 Speaker 3: And that's basically if you've got a basket of groceries, 209 00:08:26,840 --> 00:08:29,120 Speaker 3: and I said Mitch, ten years ago, go to Woolies, 210 00:08:29,240 --> 00:08:32,439 Speaker 3: buy groceries up to the value of thirty dollars, you'd 211 00:08:32,440 --> 00:08:34,880 Speaker 3: be able to put way more groceries in that basket 212 00:08:34,920 --> 00:08:37,400 Speaker 3: ten years ago than you would today because everything is 213 00:08:37,480 --> 00:08:40,480 Speaker 3: just so much more expensive. So in order to try 214 00:08:40,600 --> 00:08:43,360 Speaker 3: and balance that out and make sure that inflation doesn't 215 00:08:43,400 --> 00:08:46,440 Speaker 3: keep going through the roof, what our government does is 216 00:08:46,559 --> 00:08:49,439 Speaker 3: increase our cash rate because they want things to be 217 00:08:49,520 --> 00:08:52,480 Speaker 3: a little bit more expensive at top dog level so 218 00:08:52,520 --> 00:08:54,960 Speaker 3: that the bottom dog level, i e. Us buying steam 219 00:08:55,000 --> 00:08:59,040 Speaker 3: buns at macs, everything isn't going to be feeling as impactful. 220 00:08:59,400 --> 00:09:01,600 Speaker 4: So it's in important obviously I said before. 221 00:09:01,679 --> 00:09:04,800 Speaker 3: It's adding an extra eight hundred and fifteen dollars per 222 00:09:04,840 --> 00:09:07,440 Speaker 3: month to the average five hundred thousand dollar mortgage, which 223 00:09:07,480 --> 00:09:10,120 Speaker 3: to me is insane. Like imagine being told one month, 224 00:09:10,160 --> 00:09:11,760 Speaker 3: by the way, you have to find this much more 225 00:09:11,800 --> 00:09:14,480 Speaker 3: to cough up, which is insane. I think the misconception 226 00:09:14,600 --> 00:09:17,440 Speaker 3: here is that this only impacts people with mortgages, but 227 00:09:17,480 --> 00:09:20,560 Speaker 3: it doesn't. It impacts absolutely everybody in our economy at 228 00:09:20,559 --> 00:09:21,280 Speaker 3: this point in time. 229 00:09:21,400 --> 00:09:23,600 Speaker 1: God, So what you're saying, V, is someone I don't know, 230 00:09:23,760 --> 00:09:26,040 Speaker 1: for example, would be crazy to have a wedding in 231 00:09:26,080 --> 00:09:28,200 Speaker 1: the middle of an economy like this. It'd be just 232 00:09:28,320 --> 00:09:29,160 Speaker 1: so stupid, it. 233 00:09:29,120 --> 00:09:30,559 Speaker 4: Would be so dumb. 234 00:09:30,640 --> 00:09:33,760 Speaker 3: Honestly, I don't even know who gets married these days, 235 00:09:33,880 --> 00:09:36,880 Speaker 3: espe on a day like the Saturday, the fifth. 236 00:09:36,600 --> 00:09:40,960 Speaker 4: Of Like, do you know who who's committed to their job? 237 00:09:41,040 --> 00:09:41,559 Speaker 4: Mitche me? 238 00:09:42,200 --> 00:09:44,280 Speaker 2: Speaking of budgets, V, you wouldn't have had one for 239 00:09:44,320 --> 00:09:44,960 Speaker 2: your wedding, would you. 240 00:09:45,080 --> 00:09:45,240 Speaker 1: Oh? 241 00:09:45,280 --> 00:09:48,079 Speaker 3: Well, I probably should have thought about this before today. 242 00:09:48,520 --> 00:09:50,880 Speaker 1: It's literally hours away. You're getting married. We have a 243 00:09:50,880 --> 00:09:52,839 Speaker 1: live stream of the church. Now, let's just have to 244 00:09:52,920 --> 00:09:56,560 Speaker 1: connect that through to the to the Oh they're getting 245 00:09:56,600 --> 00:09:58,480 Speaker 1: ready for Victoria the belt. 246 00:09:58,920 --> 00:10:01,640 Speaker 3: You're going to be as disappoint owned as some family members. 247 00:10:01,640 --> 00:10:06,200 Speaker 3: I'm not getting married in the church. Oh no, yeah, 248 00:10:06,240 --> 00:10:08,040 Speaker 3: I was going to just slide up in flames. So 249 00:10:08,080 --> 00:10:09,800 Speaker 3: I decided that would probably ruin my wedding. 250 00:10:10,000 --> 00:10:12,320 Speaker 1: Oh my god, I can imagine. Well hold on, well, 251 00:10:12,360 --> 00:10:14,920 Speaker 1: we just spoke about the cash raid inflation rates. It's 252 00:10:14,960 --> 00:10:18,079 Speaker 1: at all time high. What actually goes into getting married? 253 00:10:18,120 --> 00:10:19,880 Speaker 1: Because I know it sounds done, but I think, like, 254 00:10:19,920 --> 00:10:22,079 Speaker 1: all right, you get the dress that's like one thousand, 255 00:10:22,160 --> 00:10:24,200 Speaker 1: I don't know, you get like a nice cake, Sure, 256 00:10:24,360 --> 00:10:26,720 Speaker 1: get like some flowers at some tables in the higher 257 00:10:26,720 --> 00:10:29,800 Speaker 1: revenue like ten grand max. Like that's where my brain goes, 258 00:10:30,080 --> 00:10:30,640 Speaker 1: Am I wrong? 259 00:10:30,840 --> 00:10:33,920 Speaker 3: Look, no, it's a lot more than that. In fact, 260 00:10:33,960 --> 00:10:35,560 Speaker 3: before this episode, I was like, do you know what, 261 00:10:35,600 --> 00:10:37,520 Speaker 3: I'll brush up on the averages and it's made me 262 00:10:37,559 --> 00:10:39,160 Speaker 3: feel a little bit sick because. 263 00:10:39,000 --> 00:10:41,199 Speaker 4: I think what I'm going to be over the average. 264 00:10:41,320 --> 00:10:44,080 Speaker 3: So moneysmart dot gov dot AU says that the average 265 00:10:44,120 --> 00:10:48,480 Speaker 3: Australian wedding costs thirty six thousand dollars and that eighty 266 00:10:48,559 --> 00:10:51,320 Speaker 3: two percent of couples dip into their savings to pay 267 00:10:51,320 --> 00:10:51,920 Speaker 3: for their wedding. 268 00:10:52,200 --> 00:10:54,160 Speaker 4: Another sixty percent. 269 00:10:53,760 --> 00:10:57,120 Speaker 3: Of couples get a loan for their wedding, and eighteen 270 00:10:57,240 --> 00:11:00,000 Speaker 3: percent of couples are putting everything on their credit card. 271 00:11:00,559 --> 00:11:02,760 Speaker 1: Oh no, is that bad or is that good? 272 00:11:02,920 --> 00:11:05,559 Speaker 3: I don't think you should be starting a marriage with debt, 273 00:11:05,760 --> 00:11:08,240 Speaker 3: especially to have a one day party. Please don't get 274 00:11:08,240 --> 00:11:11,760 Speaker 3: me wrong. I'm so excited for my wedding, But one 275 00:11:11,800 --> 00:11:13,439 Speaker 3: thing that my partner and I were on the same 276 00:11:13,480 --> 00:11:15,480 Speaker 3: page about is making sure that everything that we are 277 00:11:15,520 --> 00:11:17,839 Speaker 3: doing is being paid for in cash. And to be honest, 278 00:11:17,880 --> 00:11:20,719 Speaker 3: it's why we're getting married so late in our relationship 279 00:11:20,720 --> 00:11:21,400 Speaker 3: in a way. 280 00:11:21,320 --> 00:11:23,319 Speaker 4: Like we've been together like what. 281 00:11:23,200 --> 00:11:26,600 Speaker 3: Nearly eight years or so, so okay, but we've had 282 00:11:26,679 --> 00:11:29,040 Speaker 3: these open, honest conversations where we were like, you know what, 283 00:11:29,080 --> 00:11:31,240 Speaker 3: we don't want to get married until we've bought a house, 284 00:11:31,280 --> 00:11:33,560 Speaker 3: Like to us, that was the priority, and getting on 285 00:11:33,559 --> 00:11:36,040 Speaker 3: the property ladder with something that we really wanted to 286 00:11:36,080 --> 00:11:38,920 Speaker 3: do before we got married. But each to their own, like, 287 00:11:39,000 --> 00:11:40,800 Speaker 3: I'm not going to judge your values as long as 288 00:11:40,880 --> 00:11:44,720 Speaker 3: you don't judge mine. But to contrast that, I saw 289 00:11:44,800 --> 00:11:48,800 Speaker 3: another's stat somewhere. The average Australian wedding has been increasing 290 00:11:48,880 --> 00:11:51,600 Speaker 3: post COVID and the new average is looking closer to 291 00:11:51,640 --> 00:11:53,320 Speaker 3: fifty four thousand dollars, So. 292 00:11:53,480 --> 00:11:54,720 Speaker 4: That's thirty six. 293 00:11:54,840 --> 00:11:57,920 Speaker 3: Like that is just so much money, Like that's more 294 00:11:57,960 --> 00:11:59,000 Speaker 3: than a family minivan. 295 00:11:59,080 --> 00:12:04,600 Speaker 1: Guys, okay, that's two Toiragos. Give me some cost saving tips. 296 00:12:04,600 --> 00:12:06,280 Speaker 1: Because I don't know if you've announced this, and I 297 00:12:06,280 --> 00:12:07,559 Speaker 1: don't know if we're allowed to talk about it, but 298 00:12:07,640 --> 00:12:09,160 Speaker 1: travs she might yell at us because she told us 299 00:12:09,200 --> 00:12:11,320 Speaker 1: this in the break but me, and if you're a 300 00:12:11,360 --> 00:12:13,959 Speaker 1: guest going to Victoria's wedding getting ready listening to us, 301 00:12:14,040 --> 00:12:15,680 Speaker 1: you ain't getting no cake at this wedding. 302 00:12:15,720 --> 00:12:16,360 Speaker 2: She's skimmed. 303 00:12:16,480 --> 00:12:20,679 Speaker 4: No skimped cake is trash. We're not having a wedding cake. Wow. 304 00:12:21,240 --> 00:12:24,720 Speaker 3: Look I grew up doing weddings as a waitress. But 305 00:12:24,960 --> 00:12:28,200 Speaker 3: every single wedding, after all the guests had gone and 306 00:12:28,240 --> 00:12:31,560 Speaker 3: we're clearing the reception tables, they'd just be plate of 307 00:12:31,600 --> 00:12:33,600 Speaker 3: cake with a little bit of berry coolly and like 308 00:12:33,920 --> 00:12:36,880 Speaker 3: a scoop of the whipped cree and a lot of 309 00:12:36,960 --> 00:12:39,480 Speaker 3: fond it and nobody was eating it. So when it 310 00:12:39,520 --> 00:12:41,800 Speaker 3: came to our wedding, I was like, Steven, we are 311 00:12:41,880 --> 00:12:44,839 Speaker 3: not having a cake. Let's just do something that's more 312 00:12:44,840 --> 00:12:47,240 Speaker 3: aligned to us. So instead of having a fancy cake, 313 00:12:47,240 --> 00:12:50,120 Speaker 3: we just picked our favorite dessert, which is obviously apple crumble, 314 00:12:50,800 --> 00:12:52,280 Speaker 3: and we're having that at our wedding. And I kind 315 00:12:52,360 --> 00:12:55,240 Speaker 3: don't mind what people think, because this day isn't. 316 00:12:55,080 --> 00:12:55,800 Speaker 4: About them, is it. 317 00:12:56,080 --> 00:12:57,959 Speaker 1: If you're going to the wedding, maybe stop by seven, 318 00:12:58,000 --> 00:13:01,439 Speaker 1: I'll having get some crispy cremes because you're them by 319 00:13:01,559 --> 00:13:04,559 Speaker 1: okake from a cake dilemma to money dilemmas. 320 00:13:04,559 --> 00:13:07,040 Speaker 2: If you're struggling with your cash flow, you got yourself 321 00:13:07,040 --> 00:13:08,960 Speaker 2: in a little bit of a situation. You can hit 322 00:13:09,040 --> 00:13:11,480 Speaker 2: us up anytime on She's on the Money on Socials. 323 00:13:13,080 --> 00:13:16,240 Speaker 2: This is She's on the Money radio show. Guys, it 324 00:13:16,360 --> 00:13:17,160 Speaker 2: is time to do this. 325 00:13:19,000 --> 00:13:21,680 Speaker 1: You know. This segment every week reminds me that Victoria, 326 00:13:21,760 --> 00:13:24,080 Speaker 1: you really are a wealth of knowledge, a source for 327 00:13:24,160 --> 00:13:26,400 Speaker 1: all of us to dip into when we are at 328 00:13:26,440 --> 00:13:29,559 Speaker 1: our darkest times. I can send these to your future husband. 329 00:13:29,559 --> 00:13:30,880 Speaker 1: He can add them to the vows, because. 330 00:13:30,960 --> 00:13:32,880 Speaker 4: Actually that would be really good. Yeah, I don't know 331 00:13:33,000 --> 00:13:34,079 Speaker 4: how he's going with ours. 332 00:13:34,120 --> 00:13:36,160 Speaker 3: If we're honest, is that something you should think about 333 00:13:36,280 --> 00:13:39,200 Speaker 3: just in the moment, like from the heart, She'll be. 334 00:13:39,280 --> 00:13:41,880 Speaker 1: Right from the heart. Well, this is definitely from the heart. 335 00:13:41,920 --> 00:13:43,960 Speaker 1: Every week we do a money dilemma and we get 336 00:13:43,960 --> 00:13:46,840 Speaker 1: someone's financial story on the air. To get Victoria's advice, 337 00:13:47,080 --> 00:13:49,400 Speaker 1: Luise send us a DM about her mum's superannuation. 338 00:13:49,600 --> 00:13:50,640 Speaker 2: She says, Hello, the me. 339 00:13:50,760 --> 00:13:53,440 Speaker 1: Mom is in her early sixties, she's just retired from work, 340 00:13:53,480 --> 00:13:55,800 Speaker 1: and she doesn't have any savings. She's going to be 341 00:13:55,880 --> 00:13:59,280 Speaker 1: relying on her SUPER payout until she gets her pension age. 342 00:13:59,600 --> 00:14:01,880 Speaker 1: She does doesn't have a lot of super due to age. 343 00:14:01,880 --> 00:14:04,080 Speaker 1: Of course, I would really like to be able to 344 00:14:04,080 --> 00:14:06,200 Speaker 1: support her. How can I best do this? And what 345 00:14:06,280 --> 00:14:07,400 Speaker 1: advice would you give me? 346 00:14:07,520 --> 00:14:10,600 Speaker 3: Mom? This is a good question because all of us 347 00:14:10,640 --> 00:14:12,520 Speaker 3: think and Mitch, you and I are probably in the 348 00:14:12,559 --> 00:14:14,880 Speaker 3: same boat, not as trap because tribes are like basically 349 00:14:14,920 --> 00:14:17,520 Speaker 3: old already, So like, yeah, he's probably like all over 350 00:14:17,559 --> 00:14:18,440 Speaker 3: the super thing. 351 00:14:18,679 --> 00:14:21,680 Speaker 4: Actually, yeah, exactly what the canes for. 352 00:14:21,920 --> 00:14:25,480 Speaker 3: But when we talk about supernuation, it feels so far 353 00:14:25,520 --> 00:14:28,440 Speaker 3: away that it doesn't seem like a priority in the moment, 354 00:14:28,640 --> 00:14:31,240 Speaker 3: but it really is, because these are the circumstances that 355 00:14:31,320 --> 00:14:34,000 Speaker 3: a lot of people in their sixties are now stepping into. 356 00:14:34,480 --> 00:14:35,880 Speaker 4: So caring about. 357 00:14:35,680 --> 00:14:38,440 Speaker 3: Super is really important because it's going to put future 358 00:14:38,480 --> 00:14:41,760 Speaker 3: you in a good financial position. In saying that, a 359 00:14:41,800 --> 00:14:44,160 Speaker 3: lot of people in their sixties right now didn't have 360 00:14:44,280 --> 00:14:47,320 Speaker 3: compulsory SUPER because that was brought in in nineteen ninety two. 361 00:14:47,720 --> 00:14:50,400 Speaker 3: So everybody in this circumstance might have grown up in 362 00:14:50,400 --> 00:14:53,440 Speaker 3: a time where contributing to SUPER didn't happen until they 363 00:14:53,440 --> 00:14:55,840 Speaker 3: were in their forties or something like that, because it 364 00:14:55,960 --> 00:14:59,280 Speaker 3: just wasn't something that's been around forever. So it's important 365 00:14:59,280 --> 00:15:01,360 Speaker 3: to care about it. But the best way you can 366 00:15:01,440 --> 00:15:04,120 Speaker 3: actually support your mum during this time is to sit 367 00:15:04,160 --> 00:15:06,920 Speaker 3: down and do some budgeting and some cash flow. It's 368 00:15:06,960 --> 00:15:10,280 Speaker 3: not about just throwing money that way. It's about actually 369 00:15:10,320 --> 00:15:14,520 Speaker 3: fully comprehending and understanding your circumstances. So when we're talking 370 00:15:14,560 --> 00:15:17,160 Speaker 3: about SUPER, yeah, it's great, it's a tool that you 371 00:15:17,200 --> 00:15:19,920 Speaker 3: can use, but I would actually be reaching out to 372 00:15:19,960 --> 00:15:23,640 Speaker 3: either a financial advisor or a financial counselor or someone 373 00:15:23,640 --> 00:15:27,320 Speaker 3: that can help you understand how to best marry superinuation 374 00:15:27,880 --> 00:15:30,520 Speaker 3: with that potential pension so you make the most of 375 00:15:30,560 --> 00:15:34,560 Speaker 3: both circumstances, and also to review where your mum is 376 00:15:34,600 --> 00:15:37,120 Speaker 3: at today, because there's a rule called deeming, and I 377 00:15:37,120 --> 00:15:39,320 Speaker 3: mean I'm not an accountant, so don't quote me on this. 378 00:15:39,440 --> 00:15:41,840 Speaker 3: You will need to talk to one, but your financial 379 00:15:41,880 --> 00:15:44,000 Speaker 3: life will be audited and they will look at the 380 00:15:44,040 --> 00:15:46,640 Speaker 3: assets you have, and based on the assets you have 381 00:15:46,760 --> 00:15:48,920 Speaker 3: and how much money you have in super is going 382 00:15:49,000 --> 00:15:50,760 Speaker 3: to tell the government how much to pay you in 383 00:15:50,800 --> 00:15:53,760 Speaker 3: a pension. So it's worth thinking about now so that 384 00:15:53,800 --> 00:15:56,320 Speaker 3: you can best prepare yourself for the future, because a 385 00:15:56,320 --> 00:15:57,800 Speaker 3: lot of people think, oh my gosh, I'm going to 386 00:15:57,840 --> 00:15:59,840 Speaker 3: have to sell my family home to get the pension, 387 00:16:00,040 --> 00:16:02,560 Speaker 3: But your family home isn't included in this deeming. It's 388 00:16:02,600 --> 00:16:05,840 Speaker 3: actually excluded. So being on the right page, getting the 389 00:16:05,920 --> 00:16:07,720 Speaker 3: right advice is going to put you in the best 390 00:16:07,720 --> 00:16:10,720 Speaker 3: possible circumstance. So the advice that I would give to 391 00:16:10,760 --> 00:16:11,479 Speaker 3: your mum. 392 00:16:11,360 --> 00:16:13,480 Speaker 4: Is just be educated on this space. 393 00:16:13,520 --> 00:16:15,200 Speaker 3: Don't bury your head in the sound because it doesn't 394 00:16:15,240 --> 00:16:17,360 Speaker 3: feel like the place you want to be right now. 395 00:16:17,400 --> 00:16:18,560 Speaker 4: I totally get that. 396 00:16:19,000 --> 00:16:21,720 Speaker 3: But what you can do is be really empowered by 397 00:16:21,720 --> 00:16:23,840 Speaker 3: that circumstance and go all right, well, this is what 398 00:16:23,880 --> 00:16:25,680 Speaker 3: we're working with. How do we make the most of it? 399 00:16:25,880 --> 00:16:27,680 Speaker 1: And also, Luise, don't forget I mean, I'm not the 400 00:16:27,720 --> 00:16:29,040 Speaker 1: financial advisor here, but. 401 00:16:29,120 --> 00:16:31,320 Speaker 4: I'm not either anymore, Michie I retired. 402 00:16:31,640 --> 00:16:34,280 Speaker 1: Neither of us are financial advisors here. However, you've got 403 00:16:34,280 --> 00:16:36,240 Speaker 1: the negotiating power. You say, Mum, you put me in 404 00:16:36,280 --> 00:16:38,080 Speaker 1: the wheel and I'll give you a bit of pocket money. Okay, 405 00:16:38,120 --> 00:16:39,400 Speaker 1: you know, I'll just say it sounds good. 406 00:16:40,000 --> 00:16:41,640 Speaker 4: If you don't put me in the will, I'm gonna 407 00:16:41,640 --> 00:16:42,440 Speaker 4: put you in the home. 408 00:16:42,960 --> 00:16:45,880 Speaker 2: It's good. If you've got a question for us, to 409 00:16:46,000 --> 00:16:48,800 Speaker 2: hit us up search. Shees on the money anywhere on socials. 410 00:16:49,080 --> 00:16:52,120 Speaker 2: Let's save some people some money with this super save 411 00:16:52,160 --> 00:16:52,840 Speaker 2: a Saturday. 412 00:16:53,080 --> 00:16:56,680 Speaker 1: Yes, every single Saturday morning, Victoria gives us some sneaky 413 00:16:56,680 --> 00:16:58,520 Speaker 1: tips on how to keep more bucks in her bank 414 00:16:58,560 --> 00:17:01,080 Speaker 1: account in your bank accoun actually and hers because she 415 00:17:01,200 --> 00:17:03,080 Speaker 1: uses them too. Oh my, you got a coffee shop 416 00:17:03,080 --> 00:17:04,960 Speaker 1: with Victoria? She gets a note tap at she goes, 417 00:17:05,119 --> 00:17:06,560 Speaker 1: what hack do I have for a ham? 418 00:17:06,600 --> 00:17:08,800 Speaker 2: And Cha's croissant? She got a hack for everything? 419 00:17:08,920 --> 00:17:09,720 Speaker 1: Victoria, So what do I have? 420 00:17:09,800 --> 00:17:10,080 Speaker 2: Frut? 421 00:17:10,320 --> 00:17:11,359 Speaker 4: You know what my hack there is? 422 00:17:11,400 --> 00:17:11,920 Speaker 2: And it worked. 423 00:17:12,000 --> 00:17:13,280 Speaker 4: Last time we were at the cafe. 424 00:17:13,280 --> 00:17:15,200 Speaker 3: I was like, oh, Mitch, I forgot my wallet and 425 00:17:15,200 --> 00:17:17,600 Speaker 3: then you paid because I was turned out. But if 426 00:17:17,600 --> 00:17:19,400 Speaker 3: you did not think that I was going to make 427 00:17:19,400 --> 00:17:21,160 Speaker 3: these hacks all about me and the fact that I'm 428 00:17:21,200 --> 00:17:24,240 Speaker 3: getting married today. You were sorely wrong because the first 429 00:17:24,240 --> 00:17:27,240 Speaker 3: tip I've got after going through everything, and while I 430 00:17:27,240 --> 00:17:29,439 Speaker 3: don't regret how much we are about to spend on 431 00:17:29,600 --> 00:17:32,640 Speaker 3: florals for this wedding, I do realize that they're really, 432 00:17:32,680 --> 00:17:35,160 Speaker 3: really expensive. And if you're not having a massive wedding 433 00:17:35,160 --> 00:17:37,560 Speaker 3: and you do have the time, why not think about 434 00:17:37,600 --> 00:17:41,760 Speaker 3: doing like a non bridal bouquet. Because inflation is crazy. 435 00:17:42,119 --> 00:17:44,879 Speaker 3: Things are definitely like, Please don't get me wrong. I 436 00:17:44,920 --> 00:17:47,280 Speaker 3: see so much value in the vendors that we have, 437 00:17:47,680 --> 00:17:49,919 Speaker 3: but oh my gosh. 438 00:17:49,600 --> 00:17:51,399 Speaker 4: The wedding tax is absolutely true. 439 00:17:51,480 --> 00:17:54,119 Speaker 3: I feel like the second you inquire somewhere, they're like, yeah. 440 00:17:54,040 --> 00:17:57,800 Speaker 4: Here's our packages. Oh it's a wedding. Oh double totally okay, 441 00:17:57,880 --> 00:17:58,679 Speaker 4: I totally get it. 442 00:17:58,680 --> 00:18:01,640 Speaker 3: Maybe I should have been smarter when inquiring on places like, oh, 443 00:18:01,680 --> 00:18:03,399 Speaker 3: I'm just having a celebration. 444 00:18:03,720 --> 00:18:05,679 Speaker 4: Yeah we're having a branch having a brunch. 445 00:18:05,720 --> 00:18:08,040 Speaker 3: We're all wearing why there'll be one hundred and fifty 446 00:18:08,040 --> 00:18:09,439 Speaker 3: people there, but it will be brunch. 447 00:18:09,760 --> 00:18:11,760 Speaker 1: Yeah, we have dermatitis, will all be in veils. 448 00:18:11,800 --> 00:18:13,200 Speaker 2: But it's the sun it's a conference. 449 00:18:13,280 --> 00:18:14,000 Speaker 4: It's a conference. 450 00:18:14,320 --> 00:18:16,920 Speaker 3: Everyone's going to dress up and it's going to be 451 00:18:16,960 --> 00:18:21,280 Speaker 3: really fun. The next tip is instead of invitations, because 452 00:18:21,320 --> 00:18:24,119 Speaker 3: wedding stationary can be so expensive. And it's not just 453 00:18:24,200 --> 00:18:27,200 Speaker 3: the design because obviously, if you're getting a graphic designer 454 00:18:27,240 --> 00:18:29,120 Speaker 3: to do the work, YEP, pay them for their time, 455 00:18:29,359 --> 00:18:31,880 Speaker 3: but the paper that it's printed on is really expensive, 456 00:18:31,920 --> 00:18:34,800 Speaker 3: then you're probably gonna want the matching envelope. What you're 457 00:18:34,800 --> 00:18:37,400 Speaker 3: not forgetting is that if you're anything like me, then 458 00:18:37,440 --> 00:18:40,000 Speaker 3: you also want the little stamp on the back, like 459 00:18:40,040 --> 00:18:43,040 Speaker 3: the little wax seal and stuff, because I'm f But 460 00:18:43,080 --> 00:18:45,120 Speaker 3: then on top of that, a dollar ten to send 461 00:18:45,160 --> 00:18:47,680 Speaker 3: one invitation out and then you know what has to happen. 462 00:18:48,040 --> 00:18:52,159 Speaker 3: Your guests have to send back your RSVP, so that 463 00:18:52,240 --> 00:18:54,640 Speaker 3: then costs them a dollar ten, and a dollar ten 464 00:18:54,680 --> 00:18:57,720 Speaker 3: doesn't sound expensive until it all starts adding up. 465 00:18:57,880 --> 00:19:00,840 Speaker 1: Crue that send them a text for God's sake, world, 466 00:19:00,840 --> 00:19:01,360 Speaker 1: I'll go you. 467 00:19:01,320 --> 00:19:05,040 Speaker 3: One better do an email or there are so many websites. 468 00:19:05,080 --> 00:19:08,080 Speaker 3: It sounds really complicated, and that's why I didn't do 469 00:19:08,200 --> 00:19:11,240 Speaker 3: enough research into it until post actually sending out the 470 00:19:11,240 --> 00:19:13,400 Speaker 3: invites and they're all actually done for you, and they 471 00:19:13,400 --> 00:19:15,240 Speaker 3: are made for people like me who have never done 472 00:19:15,240 --> 00:19:16,240 Speaker 3: a website before. 473 00:19:16,640 --> 00:19:18,639 Speaker 4: It's a bloody money win from my perspective. 474 00:19:18,680 --> 00:19:20,080 Speaker 1: All right, last one, but you got to get to 475 00:19:20,119 --> 00:19:22,159 Speaker 1: the wedding. V. I've just got a text from the priest. 476 00:19:22,160 --> 00:19:23,080 Speaker 1: He said, where is V. 477 00:19:23,160 --> 00:19:25,240 Speaker 4: There's no priest at my wedding, so you're just making 478 00:19:25,359 --> 00:19:27,480 Speaker 4: absolute chua to dat. 479 00:19:27,640 --> 00:19:27,960 Speaker 1: Sorry. 480 00:19:28,440 --> 00:19:31,960 Speaker 3: My tip number three is photography and videography can get 481 00:19:31,960 --> 00:19:34,200 Speaker 3: really expensive when it comes to weddings. Have a look 482 00:19:34,200 --> 00:19:36,719 Speaker 3: for someone up and coming who maybe isn't charging as 483 00:19:36,800 --> 00:19:39,240 Speaker 3: much at this point in their career. I'm sure that 484 00:19:39,320 --> 00:19:41,440 Speaker 3: they are going to put in just as much love. 485 00:19:41,600 --> 00:19:43,000 Speaker 2: All right, you've got to get out of here. 486 00:19:43,520 --> 00:19:44,440 Speaker 4: I've got to get married. 487 00:19:44,480 --> 00:19:47,159 Speaker 2: Oh I got trapped. That's the live feed from the wedding. 488 00:19:48,040 --> 00:19:51,320 Speaker 2: Poor STEVEO has been standing there since eight o'clock this morning. Hey, 489 00:19:51,320 --> 00:19:52,600 Speaker 2: if you've got a tip, you can hit us up 490 00:19:52,600 --> 00:19:55,840 Speaker 2: on socials anytime. But we're going to catch you next week. 491 00:19:56,240 --> 00:19:58,280 Speaker 2: Make sure you stick around, Mitch Cherry, You're going to 492 00:19:58,359 --> 00:20:02,240 Speaker 2: do the Life Uncut radio show next us. I am 493 00:20:02,280 --> 00:20:04,640 Speaker 2: out of here. Happy wedding, Victoria. 494 00:20:04,280 --> 00:20:07,600 Speaker 1: We love you. Have the bedtime and listen, get that 495 00:20:07,720 --> 00:20:09,560 Speaker 1: garter down and have some. 496 00:20:09,960 --> 00:20:12,280 Speaker 4: Also be no wedding garden, no cake, no garden. There's 497 00:20:12,320 --> 00:20:13,560 Speaker 4: a lot of nose at my wedding. 498 00:20:13,800 --> 00:20:17,160 Speaker 2: So we'll see you when you're a married woman. 499 00:20:18,200 --> 00:20:18,600 Speaker 1: Dake v.