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Speaker 1: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. My name is Tony Lodge,

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Speaker 2: and joining me for another Money Diary is miss Victoria Devine.

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Speaker 3: Tony Lodge. How are you good? How are you?

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Speaker 2: I am in such a good mood today, I say,

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Speaker 2: you know how some days you wake up on the

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Speaker 2: wrong side of the bed. I have woken up on

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Speaker 2: the right side of the bed. I mean a great mood.

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Speaker 2: It's terrible weather outside, but we've both got a cup

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Speaker 2: of tea and we're ready to go. And I'm just

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Speaker 2: really really excited about calling our money Diary.

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Speaker 3: I am too. And you've been hyping this up. You're like,

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Speaker 3: this is going to be a good one. You're going

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Speaker 3: to love it. So I want to hear about it.

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Speaker 3: Read me the email. Let's get straight into it.

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Speaker 4: Here we go.

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Speaker 2: I started a business at twenty two. It took off

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Speaker 2: in under two weeks, and I was so uneducated, naive,

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Speaker 2: broke and loving the influx of all the money I

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Speaker 2: was making that technically wasn't mine. You know, taks get

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Speaker 2: pyg Nope, I didn't know about any of that. I

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Speaker 2: mean you should, but I was just spending it as

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Speaker 2: it came in, mostly back into the business, but also

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Speaker 2: to get myself out of the twenty K debt of

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Speaker 2: a car Loan, credit cards, holiday debt, crazy ex boyfriend

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Speaker 2: accounts that got left in my name, and I had

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Speaker 2: that I had to pay for. In my first year

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Speaker 2: of trade, I made ninety eight two hundred and fifty

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Speaker 2: six dollars and seventeen cents on the books, but I

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Speaker 2: took a lot of it as cash.

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Speaker 3: Oh my god.

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Speaker 2: My second year was around seventy thousand something. I wasn't

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Speaker 2: paying any super or anything. Three years later, after loving

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Speaker 2: my business and loving the freedom, I thought it best

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Speaker 2: to see an accountant.

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Speaker 3: Yeah, good idea.

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Speaker 2: I owed eighteen thousand dollars to the ATO.

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Speaker 3: Oh, I mean, that's not as bad as I thought

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Speaker 3: it could.

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Speaker 2: Be with literally one thousand dollars in my bank.

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Speaker 3: Yeah, that's actually as bad as I thought it could be.

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Speaker 2: I burst into tears and he was amazing. I continued

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Speaker 2: to trade for another two Two years after seeing him,

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Speaker 2: I still lived week to week and now I owe

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Speaker 2: over twenty k to the eighty OO have shut my

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Speaker 2: business moved into state whilst putting current debts on hold,

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Speaker 2: paying four hundred and ninety dollars a week rent in

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Speaker 2: two different states. And I'm writing this now with literally

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Speaker 2: fifty dollars in my account. Here, I am twenty seven

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Speaker 2: zero savings, zero investments, and fifty dollars. But I'm not

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Speaker 2: scared because better things must be coming.

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Speaker 3: They must be. Let's get her on the phone. I

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Speaker 3: want to have a chat. Well here already, we've already

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Speaker 3: been talking about it, this money.

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Speaker 4: Direst to I. We're a vibe together.

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Speaker 3: We both love dogs. Yep, she has a two hour

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Speaker 3: if a Buck's in the background. I'm forgive us. I'm

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Speaker 3: probably not going to get you to edit it out

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Speaker 3: because it's a vibe.

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Speaker 2: Well, thank you so much for joining us Money Diros.

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Speaker 2: It's lovely to have you.

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Speaker 5: I'm so gxcited to be here. Thank you.

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Speaker 3: Honestly, I'm so impressed that you've got this story and

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Speaker 3: it's not you know, obviously it's not a super positive one,

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Speaker 3: but more often than not, on She's on the money,

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Speaker 3: we you know, kind of get the stories after people

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Speaker 3: have refound their feet, right, Yeah, and.

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Speaker 2: That's why I kind of really when I read the

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Speaker 2: email from our money diarist. I thought, I like the

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Speaker 2: idea of giving someone the opportunity to share their story

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Speaker 2: when it's not the best part yet, and you know

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Speaker 2: there's going to be a lot of people. We were

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Speaker 2: actually talking in the office yesterday about a posts in

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Speaker 2: our Facebook group, someone saying, you know.

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Speaker 4: There's a lot of people in this group really.

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Speaker 2: Killing it and doing a great job, but is anybody struggling?

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Speaker 2: And it has so many comments and so much interaction

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Speaker 2: because often, and it's the same with social media and everything,

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Speaker 2: people share the best parts of their lives and you

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Speaker 2: don't actually see.

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Speaker 4: The the you know, the crappy parts.

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Speaker 3: So I thought this would be a.

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Speaker 2: Great opportunity to share a story of someone that's just

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Speaker 2: like at the beginning of their journey.

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Speaker 3: You're on the road to success. Though you're on a journey,

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Speaker 3: you've been there before and there's no reason why you

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Speaker 3: can't get back there again. So I have so many questions.

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Speaker 3: I want to have a good job, but as always,

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Speaker 3: we have the structured questions at the start. Are you

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Speaker 3: ready for them?

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Speaker 5: Yes?

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Speaker 3: All right? First question is what is your attitude towards money?

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Speaker 5: I think my attitude's pretty it's really bad. I feel

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Speaker 5: like it's really influenced by who I'm around or what

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Speaker 5: I'm currently doing. It's weird. I haven't actually really found

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Speaker 5: a positive kind of attitude or outlook on it. I

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Speaker 5: feel like I'm getting there now. But I always kind

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Speaker 5: of had this attitude like, oh, don't worry, it can

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Speaker 5: be remade, or money will always find me, which it

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Speaker 5: generally always does. Sometimes it all ends up working out

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Speaker 5: for me. So I've always just kind of gone with that.

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Speaker 5: But yeah, I think it's time to change that attitude

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Speaker 5: because I don't think it's very sustainable.

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Speaker 3: I don't feel like it's serving you anymore.

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Speaker 5: No, definitely not like especially when you stop having like

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Speaker 5: an influx of money, but like literally now, like I

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Speaker 5: can't find any. So we're just going to show that

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Speaker 5: it can't always be remade. And I would always tell myself, oh,

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Speaker 5: don't worry, I'll just make it again, or I'll get

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Speaker 5: a job, or like because I freelances while I do

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Speaker 5: a lot of photography and videography, like I'll just book

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Speaker 5: some clients and get some money. It'll all be fine.

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Speaker 5: So yeah, I'm going to say that it's pretty influenced

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Speaker 5: by what I'm doing, and I feel like it's I

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Speaker 5: feel like I'm really alone with that. And I felt

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Speaker 5: like it was why I kind of wanted to get

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Speaker 5: on here and talk about it, because yeah, every time

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Speaker 5: I would be stressed about it, people wouldn't. I felt

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Speaker 5: like people weren't really taking it seriously because they were like, Oh,

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Speaker 5: I don't worry, just do some savings or whatever. But like, no,

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Speaker 5: I was so weak to weak. It was really bad.

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Speaker 3: And that sounds like a really stressful position to be

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Speaker 3: in because I'm assuming from the outside looking in, you

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Speaker 3: probably looked like a really successful business owner who had

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Speaker 3: theseus was killing it, and so they assumed that, all right, well,

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Speaker 3: she'll have pockets of cash somewhere.

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Speaker 5: Right exactly exactly, And to talk about not doing good

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Speaker 5: to your clients or on your socials was like so

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Speaker 5: taboo or it was kind of like nobody really wanted

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Speaker 5: to hear it. And I actually wrote a blog about

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Speaker 5: like the ins and outs of my business because when

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Speaker 5: people didn't lock up or people just canceled last minute,

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Speaker 5: like it affected me so much. But yeah, like in

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Speaker 5: that case, because my business was service based, I just

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Speaker 5: work an extra few hours to make the money that

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Speaker 5: I needed or something like that. So I think I'm

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Speaker 5: learning a good attitude towards money.

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Speaker 3: I love that as much as it's not serving you

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Speaker 3: right now. I really genuinely love that you've got that

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Speaker 3: level of reflection and you're like, look, that's actually not

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Speaker 3: serving me anymore. I need to change this. But yeah,

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Speaker 3: it also sounds a bit like you're not sure what

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Speaker 3: the next step to actually facilitate that change is. And

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Speaker 3: we will get there. But yeah, the next question is

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Speaker 3: what do you do for work and how much do

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Speaker 3: you currently earn.

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Speaker 5: Well, now, I still am in the be the industry.

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Speaker 5: I work as a cosmetic tutoist, lash and brow artist,

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Speaker 5: and combined with my freelance and photography, which are both casual,

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Speaker 5: I probably make I just under like sixty five before tax.

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Speaker 3: Yeah, that's not too bad, especially in your freelance. And

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Speaker 3: I'm pretty sure our friend Covid has had.

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Speaker 5: A little bit of an impact people in.

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Speaker 3: The last twelve months. But that's just me, you know.

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Speaker 2: Especially the two particular industries you're in, beauty and no photography.

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Speaker 4: You know, nobody.

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Speaker 2: We weren't allowed to touch anybody for a whole year.

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Speaker 5: It was so bad. But I was so lucky when

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Speaker 5: I lived in Adelaide. I casually worked one day a

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Speaker 5: week at a p dietary clinic just to in front

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Speaker 5: of house and like nails and Joel removal, and they

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Speaker 5: put me on job keeper. But because I had been

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Speaker 5: there for however long it was and got job keeper

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Speaker 5: from them, I actually wasn't allowed to claim anything through

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Speaker 5: my business. Yeah yeah, yeah, And I didn't know that.

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Speaker 5: So when the opportunity came for me to jump on

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Speaker 5: the job keeper with the pediatric clinic, I was like, yep,

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Speaker 5: and then I can still get what i've Yeah, So

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Speaker 5: I was lucky in that sense. I was able to

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Speaker 5: go on job keeper and keep me afloat throughout that time.

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Speaker 3: All right, what is your big money goal right now?

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Speaker 5: I just want to get on top of my debts.

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Speaker 5: I just want to pay all them off, as I've

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Speaker 5: heard on your podcast many a time, and you don't

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Speaker 5: have savings if you've got debt. So currently I don't

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Speaker 5: have any savings goals. I'm just trying to work hard,

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Speaker 5: pay off my debts and just stay ahead. I really

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Speaker 5: want to have that freedom to like not wake up

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Speaker 5: with this big cloud of tax sp.

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Speaker 3: Yeah, and that's actually really challenging because I do absolutely

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Speaker 3: subscribe to the belief that if you are in debt,

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Speaker 3: you don't have savings. Yeah, but I so believe very

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Speaker 3: passionately that even if you are in debt, you need

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Speaker 3: an emergency account because I don't call those savings savings

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Speaker 3: are things that we are going to use for the future.

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Speaker 3: An emergency account is sitting to the side so that

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Speaker 3: if something else should pop up, we don't end up

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Speaker 3: having to go into more Dell, not a cash cash,

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Speaker 3: so like if something happened to your dog, you can

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Speaker 3: actually pay for that out right. And I think that

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Speaker 3: a lot of.

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Speaker 2: People confuse what that actually is for.

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Speaker 3: Yeah, they confuse what that's for, and they will refer

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Speaker 3: to their emergency get account as savings that they have

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Speaker 3: that are disposable. You're like, no, no, no, that actually

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Speaker 3: needs to sit there because that's kind of your you know,

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Speaker 3: that's your buffer. That's the thing that you're going to

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Speaker 3: rely on when we don't have cash coming in and

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Speaker 3: if something happens, we can dip into that. And I

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Speaker 3: think too many times people forget to prioritize themselves and

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Speaker 3: they know that while you're in debt, having an emergency

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Speaker 3: account would actually afford you some level of financial freedom

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Speaker 3: because you'd feel a lot more comfortable. So I think

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Speaker 3: that something that even if you are in debt, I

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Speaker 3: would always prioritize, even if it's like one hundred dollars

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Speaker 3: sitting to the side, even if it's like, you know,

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Speaker 3: five hundred dollars, like whatever you can afford to put

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Speaker 3: a side in cash and going nope, I'm just gonna

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Speaker 3: save that for a rainy day. I'm going to save

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Speaker 3: that in my emergency fund. It will always make you

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Speaker 3: feel a little bit more comfortable.

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Speaker 4: And prioritize that over debt reduction.

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Speaker 3: Yes, absolutely, because reduction can take years. Debt reduction can

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Speaker 3: take a really long time and feel really overwhelming. But

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Speaker 3: what we can do to make that period of time

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Speaker 3: while we're paying debt off less overwhelming is making sure

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Speaker 3: we have something on the side to look after ourselves.

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Speaker 3: We're not saying go save for a holiday, because that's

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Speaker 3: not what we mean. What we mean is go and

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Speaker 3: put some money to the side. So if the proverbial

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Speaker 3: hits the fan again, we're not going into more debt.

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Speaker 3: We're not relying on other sources of debt to service that,

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Speaker 3: because it then becomes a spiral and it spirals out

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Speaker 3: of control.

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Speaker 4: But that's why we're here.

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Speaker 3: Yeah, that's why we talk about money.

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Speaker 4: All the time.

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Speaker 5: Literally, I love the podcast. And you know what, You're

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Speaker 5: so right because the other day I have another dog.

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Speaker 5: I took it as a dog puck and she got bit

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Speaker 5: and like I had to go, yeah, she's okay. I

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Speaker 5: had to take it to the bet And I was

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Speaker 5: texting to my boyfriend. I'm like, babe, like, all I've

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Speaker 5: got is my current pay, Like that'll just that means

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Speaker 5: I won't be able to pay rent. And like he

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Speaker 5: is honestly such an angel, like he he paid for it.

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Speaker 5: He also paid my tax debt so that I didn't

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Speaker 5: have to pay interest and now I pay him back.

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Speaker 3: Oh that is so sweet.

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Speaker 4: I'm so cleary.

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Speaker 5: Oh oh my god. He is the total opposite of me,

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Speaker 5: and like he Yeah, he's been a really great influence

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Speaker 5: I guess in me wanting to get better as well

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Speaker 5: and with Yeah, so like when you say that, like

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Speaker 5: I got paid and then that happened, and I'm like, shit,

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Speaker 5: I've got nothing aside for this anymore. So yeah, but.

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Speaker 3: I do say opposites are tract so that makes sense

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Speaker 3: to me.

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Speaker 5: Well, that's when he third, He's like ying young baby,

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Speaker 5: and I'm like, I love him. Yeah, he is so

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Speaker 5: Spapy's best.

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Speaker 3: All right, next question is do you currently have any investments.

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Speaker 5: I don't know, and I've always been so interested. I

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Speaker 5: went and actually saw a financial advisor because this is

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Speaker 5: like I think last year when I when COVID happened,

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Speaker 5: and I was like, oh my god, I just need

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Speaker 5: to speak to somebody. And I thought I thought financial

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Speaker 5: advisors so funny. I thought that they would just say

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Speaker 5: to kind of like talk to you about your money,

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Speaker 5: which you guys are help you. And I just I

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Speaker 5: honestly was looking for somebody to get me out of

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Speaker 5: the trouble that I was in by like telling me

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Speaker 5: what I need to do or like consolidating them all

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Speaker 5: and hooking me up like with a really good that

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Speaker 5: payment plan. And he was he was good at explaining,

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Speaker 5: you know, what I need to pay off first, but

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Speaker 5: then also just jumped straight into wanting to do super investments.

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Speaker 3: Well you're like, this is too much, too soon, this

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Speaker 3: is not what for.

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Speaker 5: Yeah, So I just wanted to talk to somebody because

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Speaker 5: I was so scared about how to get out of

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Speaker 5: this pickle. And you know, I have my family. My

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Speaker 5: brother he invests and his friends invest and they make

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Speaker 5: money off investing. You know, this is something that we

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Speaker 5: need to do. But I need to kind of get

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Speaker 5: out of the debt that I'm.

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Speaker 3: In, absolutely, and I wish, I wish I could see

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Speaker 3: everybody in that situation down and say, hey, you don't

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Speaker 3: actually need a financial advisor. You actually need to allow

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Speaker 3: friends at the National Debt Helpline and you need to

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Speaker 3: be connected with a free financial counselor so that they

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Speaker 3: can tell you all, right, debt reduction strategy, this is

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Speaker 3: what it is, and get you in contact with the

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Speaker 3: people that could help you. I will take that debt

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Speaker 3: or you know, talk to those debts that you have

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Speaker 3: to negotiate them down. And it just one of those calls.

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Speaker 2: That you like can't make because you're scared and you're

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Speaker 2: really vulnerable, and they'll make it easier.

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Speaker 3: And like, don't get me wrong, I've done exactly the

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Speaker 3: same thing for clients, and like it's something that you know,

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Speaker 3: if someone came to me and said, hey, I really

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Speaker 3: need your help with this, of course I would and

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Speaker 3: I do know what I'm doing. But these guys literally

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Speaker 3: do it day in day out and it's free, and

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Speaker 3: then you're not going to have that added pressure of

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Speaker 3: them going okay, but how can I commercialize this? How

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Speaker 3: can I, you know, make money from this interaction?

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Speaker 5: I didn't know that.

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Speaker 3: Yeah, it would.

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Speaker 2: Free, so money tourist will show you the way we're

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Speaker 2: on it.

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Speaker 3: Anyway, let's move on with the questions. Next question. I

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Speaker 3: feel like we've already addressed it, but it is do

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Speaker 3: you have any debts? And if so, how much debt

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Speaker 3: are you in?

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Speaker 5: I do so. I am eighteen thousand dollars?

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Speaker 3: Is that right?

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Speaker 5: Three zero?

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Speaker 3: Yeah? Eighteen thousand, yep.

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Speaker 5: Ye.

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Speaker 3: Imagine if it was four zeros and it was one

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Speaker 3: hundred and eighty thousand, that would be so sick.

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Speaker 5: And oh yeah, yeah, I've been paying off my tax

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Speaker 5: debt to my boyfriend currently. I pay him twenty dollars

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Speaker 5: a week because he's the best. And then I've got

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Speaker 5: that lovely Lombard account that we all have, m won,

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Speaker 5: all of us. But you know when you go to

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Speaker 5: go on a holiday and they're like, oh, well, you

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Speaker 5: can just put it on a ten thousand dollars credit card.

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Speaker 5: H hey, yeah, so I've got fifteen hundred on that.

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Speaker 5: And then I've got a gem visa with two thousand

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Speaker 5: and seven hundred on there, slowly chipping away them.

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Speaker 3: But yeah, that's.

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Speaker 4: That's my debt.

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Speaker 5: I don't have a car debt. I don't have any

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Speaker 5: student debt.

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Speaker 3: Just tax, just tax in a little bit of personal debt.

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Speaker 2: Yes, yeah, but it sounds like you're on the right track.

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Speaker 5: Yeah, totally like I for years. It's like, for years,

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Speaker 5: I just ignored it because I didn't want to face it.

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Speaker 5: And I actually didn't realize how accommodating companies are if

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Speaker 5: you just call them and tell them your situation.

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Speaker 2: That is so true, rather than just keeping getting dishonored payments.

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Speaker 2: Say it actually prefer if you call them and go, hey,

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Speaker 2: I'm actually in a bit of a people, do you mind?

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Speaker 3: Yeah?

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Speaker 5: I had yeah, yeah, And when one of them I've

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Speaker 5: had since I was twenty one, and I remember when

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Speaker 5: I called. I spoke to this really great guy and

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Speaker 5: he was like, look, we don't want to put you

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Speaker 5: in any more debt, so we'll give you yeah, I know,

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Speaker 5: and like that was the best. I actually like their

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Speaker 5: feedback with that comedy because I was so I was crying.

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Speaker 5: I was like so stressed because I was ignoring it,

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Speaker 5: ignoring it, ignoring it, and then yeah, if you just

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Speaker 5: like even with electricity bills, like if I'm ever going

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Speaker 5: to be late, I just called them that, hey, can

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Speaker 5: we please extend? It's like, yeah, no worries, Like they

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Speaker 5: literally don't care.

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Speaker 4: They actually want.

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Speaker 3: You to communicate with them. They actually want you to

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Speaker 3: just be honest about it, because at the end of

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Speaker 3: the day, if you communicate, they're going to get paid,

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Speaker 3: whereas if it's payments, they're like, well, are we ever

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Speaker 3: going to get paid? Like what's the deal?

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Speaker 5: Yeah.

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Speaker 3: So I think that's actually a really important point to

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Speaker 3: point out, and that's stop bearing if you're in debt,

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Speaker 3: stop bearing your head in the sand, and start just going,

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Speaker 3: you know what, these people probably care about me as well,

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Speaker 3: because I guarantee you they do. Give them a call.

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Speaker 3: Is it a bank loan, is it a car loan?

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Speaker 3: Is it a credit card? Give them a call and say, hey, guys,

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Speaker 3: I'm in a bit of a pickle. What can we do?

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Speaker 3: And more often than not, they're going to be willing

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Speaker 3: to work with you because they want to eventually get paid,

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Speaker 3: and if that means they agree on a lower term

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Speaker 3: so that you can pay it off over a longer

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Speaker 3: period of time, they're more likely to agree to that,

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Speaker 3: to say, you know what, You're right, we don't want

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Speaker 3: you in more debt, and ultimately we just want this

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Speaker 3: paid back. But if we put you in so much

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Speaker 3: financial stress that you can't, there's every option that you'll

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Speaker 3: default and just not pay it back at all.

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Speaker 5: Yeah. I had no idea. So that was something that

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Speaker 5: I just wish I did earlier on because I definitely

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Speaker 5: would be in the situation that I'm in.

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Speaker 3: Now and it would have taken a fair bit of

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Speaker 3: stress off as well, just knowing, oh, that's actually, you know,

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Speaker 3: not as overwhelming as I thought it was going to be.

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Speaker 5: Yeah, And I called them and it's done.

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Speaker 3: And that leads into another question that is one of

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Speaker 3: my favorite questions to ask, and that is what is

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Speaker 3: your best money habit?

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Speaker 5: Oh my god, do you know what? I don't think

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Speaker 5: I have one? Like no, no, no, no.

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Speaker 3: I could not only reframe this, my friend, it is

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Speaker 3: facing your debts. Your best money habit is recently weren't

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Speaker 3: and it is opening up to the fact that you

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Speaker 3: have debt and you want to get it done, and

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Speaker 3: you want to get it paid down and you're willing

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Speaker 3: to put your hand up and go, no, this is overwhelming.

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Speaker 3: I can't deal with that. And you're calling people like

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Speaker 3: just before you said you have the confidence to call

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Speaker 3: the electricity company if you can't make the debt, Like, yeah,

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Speaker 3: I don't even know if I could do that, because

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Speaker 3: picking up the phone can feel really overwhelming.

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Speaker 5: Yeah, and having the shame of just being like you know,

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Speaker 5: because they kind of sometimes make you feel a little

401
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Speaker 5: bit like, oh, what so you can't pay that stay

402
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Speaker 5: and I'm literally like, no, I can't. I'm so sorry.

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Speaker 3: But that's okay, because what we need to remember is

404
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Speaker 3: the people on the phone are usually just like us,

405
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Speaker 3: Like you're calling them and they're at their job. They

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Speaker 3: know what a credit card is, like some of them

407
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Speaker 3: are probably going to be in debt themselves, like.

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Speaker 2: They don't own a gl they don't have any ulterior motives.

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Speaker 3: Nah, you know, you're not calling the CEO, Like you're

410
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Speaker 3: not like, hey, CEO, you earn like hundreds of millions

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Speaker 3: of dollars, just wondering it's actually you're calling someone who's

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Speaker 3: probably in the same situation as you, earns a very

413
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Speaker 3: similar amount and potentially has either grappled with this themselves

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Speaker 3: or has friends and family who have grappled with this.

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Speaker 3: And if we start to contextualize what these things look

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Speaker 3: like and humanize it, you go, you know what, it's

417
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Speaker 3: not actually that weird to pick up the phone and

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Speaker 3: just chat with somebody, because you know, inherently people are

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Speaker 3: kind and inherently people and want the best figure And

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Speaker 3: I think that you're learning this and it's something that

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Speaker 3: I want you to hire community to learn. And that's

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Speaker 3: the if you just put your hand up, I guarantee

423
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Speaker 3: you there are more people around who want to help

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Speaker 3: you than not.

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Speaker 5: Yeah. Yeah, And like that was really why I decided

426
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Speaker 5: to submit my money diary, because when I decided to

427
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Speaker 5: close my business, like I didn't have to be like

428
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Speaker 5: I was so busy, but I just couldn't grow and

429
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Speaker 5: get ahead, if you know what I mean. Like it

430
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Speaker 5: was like the money was coming in, but then it

431
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Speaker 5: was going straight back out. But I was still booked

432
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Speaker 5: and busy every day. Sometimes people's lives aren't always what

433
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Speaker 5: it think. Yeah, And if anybody I guess, you know,

434
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Speaker 5: thinking about starting a business or they owning a business,

435
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Speaker 5: and they say, like not doing the things that I

436
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Speaker 5: was doing, Like you know, not taking out any super

437
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Speaker 5: or any tax, Like it's, yeah, I just really hoped

438
00:20:43,320 --> 00:20:46,280
Speaker 5: this could help somebody, or because I felt so alone,

439
00:20:46,359 --> 00:20:48,639
Speaker 5: and I still do feel really alone, Like being with

440
00:20:48,680 --> 00:20:51,800
Speaker 5: a partner who spoke great at money and it's always

441
00:20:51,840 --> 00:20:54,920
Speaker 5: been so great with money, you just feel really upset.

442
00:20:54,920 --> 00:20:56,720
Speaker 5: I guess in a little bit not worthless, but you

443
00:20:56,800 --> 00:20:59,760
Speaker 5: just don't understand. Well, I don't know. It's just always

444
00:20:59,800 --> 00:21:01,200
Speaker 5: hard to kind of know, like how did I get

445
00:21:01,200 --> 00:21:03,280
Speaker 5: here and how can I get out? I just wanted

446
00:21:03,880 --> 00:21:05,919
Speaker 5: somebody not alone.

447
00:21:06,119 --> 00:21:07,760
Speaker 4: But there's some people are so kind.

448
00:21:08,359 --> 00:21:10,760
Speaker 2: There's a Victoria Divine special quote which I'm going to

449
00:21:10,800 --> 00:21:11,399
Speaker 2: rattle off you.

450
00:21:11,640 --> 00:21:12,040
Speaker 3: What is it?

451
00:21:12,119 --> 00:21:16,600
Speaker 2: And it's you don't know what you don't know, so

452
00:21:16,720 --> 00:21:19,800
Speaker 2: you can't look back on yourself and judge yourself for

453
00:21:20,359 --> 00:21:24,239
Speaker 2: not paying tax or taking super or whatever, because you

454
00:21:24,280 --> 00:21:26,680
Speaker 2: didn't know that you had to do that. I know,

455
00:21:26,720 --> 00:21:31,119
Speaker 2: how Billy, No, you didn't know. You didn't know.

456
00:21:31,359 --> 00:21:33,800
Speaker 3: But I'm so excited for your future because like as

457
00:21:33,880 --> 00:21:36,399
Speaker 3: much as you're in debt right now, like, think about

458
00:21:36,440 --> 00:21:38,320
Speaker 3: all the knowledge you have now if you go you

459
00:21:38,359 --> 00:21:40,880
Speaker 3: know what business was for me, But this time I'm

460
00:21:40,880 --> 00:21:43,840
Speaker 3: going to do it right. I guarantee you you would

461
00:21:43,840 --> 00:21:45,959
Speaker 3: go to your accountant first and set up your banking

462
00:21:46,040 --> 00:21:48,639
Speaker 3: structures to make sure that that never happens again. And

463
00:21:49,080 --> 00:21:53,239
Speaker 3: so often you see successful people, they're not actually the

464
00:21:53,240 --> 00:21:55,159
Speaker 3: ones that just got up in the morning and we're like,

465
00:21:55,200 --> 00:21:56,600
Speaker 3: you know what, I'm going to create a business.

466
00:21:57,000 --> 00:21:57,679
Speaker 5: They're the ones that.

467
00:21:57,840 --> 00:22:00,880
Speaker 3: Got up when they were pushed down. They were in debt,

468
00:22:00,960 --> 00:22:03,560
Speaker 3: and they had businesses failing, and then they tried again.

469
00:22:03,680 --> 00:22:07,199
Speaker 3: And I think you start looking into people who have

470
00:22:07,400 --> 00:22:13,240
Speaker 3: genuinely been successful. Their key differentiating factor. From my perspective,

471
00:22:13,320 --> 00:22:15,320
Speaker 3: I've obviously got this like just idea that I know

472
00:22:15,400 --> 00:22:20,000
Speaker 3: what I'm talking about. It's actually their grit. And grit

473
00:22:20,200 --> 00:22:23,040
Speaker 3: is something that you know, I see in other people,

474
00:22:23,040 --> 00:22:26,160
Speaker 3: and it's probably the one trait that I genuinely look

475
00:22:26,200 --> 00:22:28,320
Speaker 3: out and I go, oh my gosh, like I want

476
00:22:28,320 --> 00:22:30,000
Speaker 3: to be more like them. What is it? I can't

477
00:22:30,000 --> 00:22:31,760
Speaker 3: put my finger on it. It's their grit.

478
00:22:32,000 --> 00:22:33,440
Speaker 4: But you get back up every time.

479
00:22:33,480 --> 00:22:35,920
Speaker 3: They get back up every time, like they're never down

480
00:22:35,960 --> 00:22:38,399
Speaker 3: about what people are saying about them. They you know,

481
00:22:38,560 --> 00:22:41,680
Speaker 3: take every every opportunity that comes in their stride as

482
00:22:41,680 --> 00:22:43,760
Speaker 3: a learning opportunity, and you just go Wow, Like I

483
00:22:43,800 --> 00:22:47,080
Speaker 3: wish I was more like that. It's not somebody who

484
00:22:47,400 --> 00:22:49,879
Speaker 3: was an overnight success because you go, well, that that

485
00:22:49,960 --> 00:22:52,399
Speaker 3: kind of comes down to luck, Like you know, they

486
00:22:52,440 --> 00:22:54,359
Speaker 3: were just lucky that they had the right advice and

487
00:22:54,400 --> 00:22:55,960
Speaker 3: they were lucky that then you know what, you don't

488
00:22:56,000 --> 00:22:58,000
Speaker 3: want to put it down to luck. But I think

489
00:22:58,040 --> 00:23:01,320
Speaker 3: that we just really don't ward the people that we

490
00:23:01,400 --> 00:23:04,320
Speaker 3: see who are successful after getting up so many times

491
00:23:04,320 --> 00:23:07,280
Speaker 3: as much as we should, because that's really impressive. And

492
00:23:07,480 --> 00:23:09,879
Speaker 3: from the sound of it, you sound like that person.

493
00:23:09,960 --> 00:23:11,359
Speaker 3: You're just halfway through that journey.

494
00:23:12,160 --> 00:23:16,000
Speaker 5: Yeah, yeah, just deciding to shut it into close and

495
00:23:16,040 --> 00:23:18,480
Speaker 5: to move back to Queensland where my family was. I

496
00:23:18,520 --> 00:23:21,080
Speaker 5: guess I wasn't scared because I can see the end goal,

497
00:23:21,240 --> 00:23:24,720
Speaker 5: Like I can see how good things will be and everything,

498
00:23:24,800 --> 00:23:26,960
Speaker 5: like it's already all in the stars. Like I'm just

499
00:23:27,520 --> 00:23:30,120
Speaker 5: going with it because I know that the whole journey's

500
00:23:30,119 --> 00:23:33,280
Speaker 5: already literally planned out. I just have to do what

501
00:23:33,359 --> 00:23:36,080
Speaker 5: I'm currently doing and just know that, Yeah, I guess

502
00:23:36,160 --> 00:23:39,600
Speaker 5: everything will be okay.

503
00:23:40,080 --> 00:23:41,199
Speaker 3: Yeah, even at the.

504
00:23:41,240 --> 00:23:43,520
Speaker 2: Bottom of your email, you said better things are coming,

505
00:23:43,560 --> 00:23:44,360
Speaker 2: Like I'm positive.

506
00:23:44,480 --> 00:23:46,440
Speaker 4: There's not a lot of people, yeah that have.

507
00:23:46,440 --> 00:23:48,640
Speaker 2: Been through what you've been through, and at where you're

508
00:23:48,720 --> 00:23:51,840
Speaker 2: at now that have that outlook, you know, and it

509
00:23:51,920 --> 00:23:54,600
Speaker 2: definitely makes me think that your best money habit is

510
00:23:54,640 --> 00:23:58,000
Speaker 2: that you feel comfortable talking about it even though it's

511
00:23:58,040 --> 00:24:00,320
Speaker 2: not great at the moment, and you're on a way

512
00:24:00,320 --> 00:24:01,119
Speaker 2: to making it better.

513
00:24:02,160 --> 00:24:03,000
Speaker 5: Yeah.

514
00:24:02,680 --> 00:24:05,040
Speaker 2: Oh, if I'm so poetic, you are.

515
00:24:05,640 --> 00:24:07,960
Speaker 3: You are a poet and you didn't even know it.

516
00:24:10,080 --> 00:24:12,560
Speaker 4: Oh my god. A career in comedies on the past.

517
00:24:14,000 --> 00:24:16,639
Speaker 3: For both of us, for you, Tony, not for you.

518
00:24:17,920 --> 00:24:19,840
Speaker 3: I'm going to ask the last question before we jump

519
00:24:19,880 --> 00:24:21,960
Speaker 3: to a quick break. I'm not going to ask you

520
00:24:22,000 --> 00:24:24,120
Speaker 3: what your worst money habit is because I just don't

521
00:24:24,160 --> 00:24:27,200
Speaker 3: want to bring the vibe of this conversation down. So

522
00:24:27,480 --> 00:24:29,960
Speaker 3: what grade would you give yourself? If I forced you

523
00:24:30,000 --> 00:24:31,080
Speaker 3: to give yourself.

524
00:24:30,680 --> 00:24:38,040
Speaker 5: A money grade, I would probably give myself a C.

525
00:24:38,880 --> 00:24:40,720
Speaker 3: I like that. That's fair. That's a fair.

526
00:24:41,560 --> 00:24:45,440
Speaker 5: I don't run anymore, and I prioritize what my money

527
00:24:45,480 --> 00:24:45,840
Speaker 5: goes to.

528
00:24:46,440 --> 00:24:46,959
Speaker 4: I like that.

529
00:24:48,040 --> 00:24:50,400
Speaker 2: And I know that we've definitely got enough track through

530
00:24:50,440 --> 00:24:54,199
Speaker 2: the structured well I say structured in quotation marked. But

531
00:24:54,240 --> 00:24:56,040
Speaker 2: we're going to take a really really quick break right

532
00:24:56,080 --> 00:24:58,520
Speaker 2: now and then keep asking some perfey questions, So do

533
00:24:58,680 --> 00:24:59,960
Speaker 2: not go anywhere.

534
00:25:00,119 --> 00:25:13,840
Speaker 3: There's so many have your questions. So jumping straight back

535
00:25:13,880 --> 00:25:17,320
Speaker 3: into it, obviously all of this is a lot to

536
00:25:17,440 --> 00:25:20,240
Speaker 3: take in for you as well as for us. But

537
00:25:20,359 --> 00:25:23,200
Speaker 3: I also I'm just I'm so excited about this story.

538
00:25:23,480 --> 00:25:26,520
Speaker 3: But you said before making the decision to close your

539
00:25:26,560 --> 00:25:29,719
Speaker 3: business and move home was something that was hard to do,

540
00:25:29,840 --> 00:25:32,840
Speaker 3: but it wasn't because your business was a failure. So

541
00:25:33,119 --> 00:25:35,720
Speaker 3: can you talk us through that decision making process? And

542
00:25:35,760 --> 00:25:37,320
Speaker 3: I guess what led you to go? You know what,

543
00:25:37,480 --> 00:25:39,520
Speaker 3: I'm done with this. I'm going to move home.

544
00:25:39,720 --> 00:25:41,680
Speaker 4: You know, I need to get my affairs in order.

545
00:25:41,840 --> 00:25:44,600
Speaker 3: Yeah, yeah, what was I guess the straw that broke

546
00:25:44,640 --> 00:25:45,680
Speaker 3: the camel's back there.

547
00:25:48,960 --> 00:25:50,800
Speaker 5: It's going to sound so cheesy too, but it was

548
00:25:50,840 --> 00:25:53,040
Speaker 5: becoming an auntie as well.

549
00:25:53,400 --> 00:25:59,480
Speaker 3: Oh cute, Yes, she likes babies. She is my people told.

550
00:25:59,280 --> 00:26:04,280
Speaker 5: You, Yeah, we are my older sister. It's the first child,

551
00:26:04,440 --> 00:26:06,200
Speaker 5: like out of our four kids.

552
00:26:06,560 --> 00:26:07,560
Speaker 4: That's very special.

553
00:26:08,520 --> 00:26:14,200
Speaker 5: Yeah, that happened. I guess, like with having the business,

554
00:26:14,240 --> 00:26:16,959
Speaker 5: I was from home in the beginning and then I

555
00:26:17,040 --> 00:26:20,960
Speaker 5: moved commercial because I did tattooing and you can't well

556
00:26:21,000 --> 00:26:23,000
Speaker 5: you can, but I didn't want to be that person

557
00:26:23,040 --> 00:26:29,440
Speaker 5: that operated illegally. Yeah. Yeah, I don't pay my taxes,

558
00:26:29,480 --> 00:26:29,960
Speaker 5: but I would.

559
00:26:30,800 --> 00:26:33,400
Speaker 3: Yeah, I don't play my taxes, but I am absolutely

560
00:26:33,600 --> 00:26:35,560
Speaker 3: not going to be doing a shop.

561
00:26:36,000 --> 00:26:51,840
Speaker 5: Yeah, it's all the front I yeah. So I was

562
00:26:51,920 --> 00:26:57,320
Speaker 5: paying obviously, Yeah, renting commercially, constantly, just buying, just staying

563
00:26:57,359 --> 00:27:01,040
Speaker 5: afloat with the business. And it was a client that

564
00:27:01,200 --> 00:27:04,919
Speaker 5: broke the straw on the camel's back. My client asked

565
00:27:04,920 --> 00:27:07,280
Speaker 5: me how I was, and I was. She was a

566
00:27:07,280 --> 00:27:09,280
Speaker 5: cosmetic tato in client as well, so like, she's going

567
00:27:09,359 --> 00:27:12,080
Speaker 5: to need me for the next year, every single year

568
00:27:12,200 --> 00:27:14,159
Speaker 5: for her brows to stay alive. But she said to me,

569
00:27:14,240 --> 00:27:17,439
Speaker 5: she was like, I think that it's really important as

570
00:27:17,520 --> 00:27:21,320
Speaker 5: people that we constantly re evaluate what we're doing, because

571
00:27:21,359 --> 00:27:24,560
Speaker 5: what serves you five years ago might not serve me now.

572
00:27:25,480 --> 00:27:26,120
Speaker 3: She's Gandhi.

573
00:27:26,400 --> 00:27:33,080
Speaker 5: Yeah, and five years ago, I was single and I

574
00:27:33,119 --> 00:27:36,600
Speaker 5: would just work. I would grind, just work, work, work.

575
00:27:36,640 --> 00:27:38,960
Speaker 5: I was so work. And then I met my partner

576
00:27:39,960 --> 00:27:43,520
Speaker 5: and he's from the UK and he's just breezy and

577
00:27:43,640 --> 00:27:49,639
Speaker 5: chill and slow, and I really needed that and he

578
00:27:49,720 --> 00:27:52,320
Speaker 5: slowed me down a lot, and it kind of got

579
00:27:52,320 --> 00:27:54,840
Speaker 5: me thinking that having like I had this goal to

580
00:27:54,840 --> 00:27:57,439
Speaker 5: have this really big salon and to do everything and

581
00:27:57,440 --> 00:28:00,639
Speaker 5: be that one place that does everything perfectly. And I

582
00:28:00,680 --> 00:28:02,399
Speaker 5: knew that it was going to be really hard to

583
00:28:02,440 --> 00:28:04,439
Speaker 5: get there, and I was willing to put somebody on

584
00:28:04,480 --> 00:28:07,359
Speaker 5: the following year, and I was going to get myself

585
00:28:07,359 --> 00:28:10,080
Speaker 5: out of the rut that I was in. But then

586
00:28:10,080 --> 00:28:12,480
Speaker 5: I couldn't slow down. So we would go away, we'd

587
00:28:12,560 --> 00:28:14,600
Speaker 5: go camping, and I'd have no reception and I'd be

588
00:28:14,600 --> 00:28:16,520
Speaker 5: having panic attacks with them, like oh, somebody's going to

589
00:28:16,560 --> 00:28:18,840
Speaker 5: have some weird reaction, or oh my god, if a

590
00:28:18,840 --> 00:28:22,199
Speaker 5: client needs to talk to me, I'm unavailable. And I

591
00:28:22,320 --> 00:28:26,280
Speaker 5: kind of just changed, Yeah, the direction that I wanted

592
00:28:26,320 --> 00:28:28,040
Speaker 5: my life to go in. I realized that I kind

593
00:28:28,080 --> 00:28:31,800
Speaker 5: of didn't want to.

594
00:28:33,160 --> 00:28:33,440
Speaker 3: Yeah.

595
00:28:33,560 --> 00:28:36,159
Speaker 5: I wanted to be able to turn off and just

596
00:28:36,200 --> 00:28:40,440
Speaker 5: slow down. And another one of my photography clients, he's

597
00:28:40,440 --> 00:28:43,040
Speaker 5: a jeweler, he said to me, he's like, you can't

598
00:28:43,080 --> 00:28:45,600
Speaker 5: have both. He's like, you can't go and travel for

599
00:28:45,640 --> 00:28:48,840
Speaker 5: a whole year and then come back to a business

600
00:28:49,160 --> 00:28:52,840
Speaker 5: for what I do because I'm so service based. And

601
00:28:53,640 --> 00:28:55,840
Speaker 5: I kind of thought for a long time, or do

602
00:28:55,920 --> 00:28:58,000
Speaker 5: I want this business, or do I want to travel?

603
00:28:58,080 --> 00:29:02,760
Speaker 5: Like what do I want? And when I thought about

604
00:29:03,080 --> 00:29:06,560
Speaker 5: closing and moving back home just to take some time

605
00:29:07,120 --> 00:29:09,480
Speaker 5: and to not do anything, that just felt really good

606
00:29:09,480 --> 00:29:14,000
Speaker 5: to me and I am less stressed, Like I'm not

607
00:29:14,200 --> 00:29:18,520
Speaker 5: worried anymore about having rent paid on time, And if

608
00:29:18,840 --> 00:29:21,760
Speaker 5: a whole day canceled, it was so tragic to me

609
00:29:21,840 --> 00:29:25,080
Speaker 5: because it would just affect everything. I wasn't in a position,

610
00:29:25,120 --> 00:29:28,080
Speaker 5: I guess, to be able to grow without having to

611
00:29:28,200 --> 00:29:29,880
Speaker 5: really be at the bottom of the barrel. And like

612
00:29:29,920 --> 00:29:32,760
Speaker 5: I've done it before, and I don't. I'm like that

613
00:29:32,840 --> 00:29:35,360
Speaker 5: weirdo that kind of really thrives when things are rough,

614
00:29:35,600 --> 00:29:37,880
Speaker 5: Like give me a hard situation, and I find it horny,

615
00:29:37,920 --> 00:29:41,480
Speaker 5: Like I love eating two minute noodles and sleeping out

616
00:29:41,480 --> 00:29:43,960
Speaker 5: of my car, Like I love the feeling that this

617
00:29:44,080 --> 00:29:47,080
Speaker 5: is really bad but it's for the best, you.

618
00:29:47,040 --> 00:29:47,520
Speaker 4: Know what I mean.

619
00:29:47,640 --> 00:29:51,360
Speaker 5: Like, so I guess I just didn't want to struggle

620
00:29:51,360 --> 00:29:52,200
Speaker 5: anymore as well.

621
00:29:52,400 --> 00:29:55,240
Speaker 3: And I love that because that's a hard decision to make.

622
00:29:55,280 --> 00:29:57,240
Speaker 3: But it sounds like you were making it for yourself

623
00:29:57,320 --> 00:29:59,880
Speaker 3: and your mental health and the power that you want

624
00:29:59,920 --> 00:30:02,880
Speaker 3: to to create, not necessarily the future that you know

625
00:30:03,040 --> 00:30:06,520
Speaker 3: you were working towards five years ago. That's such an

626
00:30:06,520 --> 00:30:09,760
Speaker 3: important point because five years ago, had you said to Tony,

627
00:30:09,800 --> 00:30:11,360
Speaker 3: do you think this is where you're going to be sitting,

628
00:30:11,400 --> 00:30:12,520
Speaker 3: I'm sure she would say.

629
00:30:12,360 --> 00:30:14,480
Speaker 4: Absolutely not came with me.

630
00:30:14,720 --> 00:30:17,760
Speaker 3: And too many times we stick to the plans that

631
00:30:17,800 --> 00:30:20,240
Speaker 3: we made for ourselves when we didn't have a view

632
00:30:20,280 --> 00:30:21,720
Speaker 3: of what the future looks like.

633
00:30:22,160 --> 00:30:24,200
Speaker 2: And being your head against the wall trying to make

634
00:30:24,240 --> 00:30:27,720
Speaker 2: it work, when actually we're humans, we can be more dynamic.

635
00:30:27,760 --> 00:30:29,800
Speaker 2: We can look at this and go, actually, this is

636
00:30:29,840 --> 00:30:31,920
Speaker 2: what I really wanted. But right now it's just not

637
00:30:32,000 --> 00:30:34,560
Speaker 2: for me. But me, it doesn't mean that in a year,

638
00:30:34,720 --> 00:30:38,400
Speaker 2: five years, twenty years you couldn't open another salon. Doesn't

639
00:30:38,440 --> 00:30:40,920
Speaker 2: mean you couldn't do that again. But just for right now,

640
00:30:40,920 --> 00:30:42,240
Speaker 2: it's like, you know what, I need a break.

641
00:30:42,240 --> 00:30:43,080
Speaker 4: I want to enjoy my.

642
00:30:43,080 --> 00:30:46,040
Speaker 2: Family, and that's really special. Not a lot of people

643
00:30:46,040 --> 00:30:47,640
Speaker 2: have the foresight to be able to go like this

644
00:30:47,640 --> 00:30:48,440
Speaker 2: can happen again.

645
00:30:48,600 --> 00:30:49,880
Speaker 4: It's just not for me right now.

646
00:30:50,200 --> 00:30:53,840
Speaker 3: And I think Yea said just too stubborn. We go, no,

647
00:30:53,920 --> 00:30:57,120
Speaker 3: I've been working for this like for the last five years,

648
00:30:57,160 --> 00:30:59,840
Speaker 3: and you go, yeah, that it might not be so

649
00:31:00,280 --> 00:31:04,200
Speaker 3: you anymore, whether that is that create a relationship, a business,

650
00:31:04,320 --> 00:31:07,719
Speaker 3: a friendship, you know, a job, like you don't just

651
00:31:07,840 --> 00:31:10,320
Speaker 3: have to stay because of tenure. You don't have to

652
00:31:10,400 --> 00:31:12,640
Speaker 3: just stay because well I've been here for five years,

653
00:31:12,640 --> 00:31:13,680
Speaker 3: Like that'll be a waste.

654
00:31:14,000 --> 00:31:15,000
Speaker 4: But it's not a waste.

655
00:31:15,160 --> 00:31:17,920
Speaker 2: It's not because you learn so much and are put

656
00:31:17,960 --> 00:31:21,600
Speaker 2: into situations that you can't plan. You can't orchestrate the

657
00:31:21,720 --> 00:31:23,840
Speaker 2: things that you're going to learn in those situations. But

658
00:31:23,880 --> 00:31:25,600
Speaker 2: you can go all right, you know what. I know

659
00:31:25,680 --> 00:31:28,560
Speaker 2: that I've been studying to be an equestrian nurse for

660
00:31:28,800 --> 00:31:30,920
Speaker 2: twenty years, but like now I don't want to do

661
00:31:30,960 --> 00:31:33,240
Speaker 2: That doesn't mean that you forget everything you new about horses,

662
00:31:33,520 --> 00:31:38,880
Speaker 2: very random example, I don't think. But it doesn't mean

663
00:31:38,880 --> 00:31:40,840
Speaker 2: that you forget what a horse looks like just because

664
00:31:40,840 --> 00:31:42,840
Speaker 2: you decide that you want to open an ice cream shop.

665
00:31:43,320 --> 00:31:45,560
Speaker 3: Like that would be a career pivot and a half,

666
00:31:45,600 --> 00:31:46,360
Speaker 3: wouldn't it, Tony?

667
00:31:46,440 --> 00:31:47,400
Speaker 2: Where does that come from?

668
00:31:47,480 --> 00:31:49,320
Speaker 3: I really like it, But I think it's I think

669
00:31:49,320 --> 00:31:52,120
Speaker 3: it's the same. And I feel like this transcends, you know,

670
00:31:52,240 --> 00:31:55,600
Speaker 3: not just money, but also into relationships. And you know,

671
00:31:55,920 --> 00:31:58,000
Speaker 3: we've all got that friend that you know you're kind

672
00:31:58,000 --> 00:31:59,640
Speaker 3: of going you probably should break up with your partner

673
00:31:59,640 --> 00:32:01,680
Speaker 3: because they're not that positive for you, or they're a

674
00:32:01,680 --> 00:32:04,240
Speaker 3: bit toxic or you know, you're not your best version

675
00:32:04,280 --> 00:32:06,560
Speaker 3: of you with them, and they say, oh, yeah, but I've.

676
00:32:06,520 --> 00:32:07,440
Speaker 2: Been them forever.

677
00:32:07,720 --> 00:32:10,920
Speaker 3: Yeah, yeah, exactly, And it is one of those things

678
00:32:10,920 --> 00:32:13,320
Speaker 3: that you just go but like it's not a waste.

679
00:32:13,360 --> 00:32:15,400
Speaker 3: You've learnt so much about you and they've got yeah

680
00:32:16,320 --> 00:32:19,960
Speaker 3: thirty and I'd have to go find a boyfriend.

681
00:32:20,240 --> 00:32:22,040
Speaker 5: All the dunk cost fallacy.

682
00:32:22,440 --> 00:32:23,440
Speaker 3: Oh what is that?

683
00:32:24,440 --> 00:32:27,280
Speaker 5: It's like where you stay with something because you feel

684
00:32:27,320 --> 00:32:29,400
Speaker 5: like you owe it from the time that you've put

685
00:32:29,440 --> 00:32:29,920
Speaker 5: into it.

686
00:32:30,560 --> 00:32:35,160
Speaker 4: Like, yeah, in positions like that, we definitely.

687
00:32:36,160 --> 00:32:38,720
Speaker 3: But like it doesn't matter who you are or how

688
00:32:38,760 --> 00:32:41,120
Speaker 3: old you are or you know what stage you're in.

689
00:32:41,440 --> 00:32:42,840
Speaker 4: You don't owe anyone anything.

690
00:32:42,960 --> 00:32:43,480
Speaker 3: No cut it.

691
00:32:43,640 --> 00:32:45,920
Speaker 4: Yeah, yeah, live your best life.

692
00:32:46,200 --> 00:32:49,200
Speaker 3: Oh look, yeahs.

693
00:32:52,000 --> 00:32:53,920
Speaker 2: Do you think you'll ever open another business?

694
00:32:56,160 --> 00:33:00,160
Speaker 5: I do. I definitely do doing what though I'm I'm

695
00:33:00,640 --> 00:33:03,520
Speaker 5: not entirely sure. Like with my photography, I've got like

696
00:33:03,720 --> 00:33:05,920
Speaker 5: four weddings books and I've only ever done one.

697
00:33:07,120 --> 00:33:10,000
Speaker 4: That's amazing. That is so and we all know that

698
00:33:10,040 --> 00:33:10,680
Speaker 4: weddings are.

699
00:33:10,520 --> 00:33:13,680
Speaker 2: Expensive so hopefully, hopefully you're getting a nice little payday

700
00:33:13,680 --> 00:33:14,920
Speaker 2: out of all.

701
00:33:15,040 --> 00:33:17,720
Speaker 5: Yes and and DSc.

702
00:33:19,440 --> 00:33:19,760
Speaker 4: Done.

703
00:33:20,080 --> 00:33:25,600
Speaker 5: Yes, Yeah, I definitely think so, like probably in photography

704
00:33:25,960 --> 00:33:28,719
Speaker 5: though I love beauty, but I remember, I just I

705
00:33:28,760 --> 00:33:30,800
Speaker 5: feel like we don't just have to do one thing,

706
00:33:31,400 --> 00:33:35,080
Speaker 5: oh now, absolutely our life. And I don't believe on

707
00:33:35,240 --> 00:33:37,480
Speaker 5: falling back like I don't think I want at least

708
00:33:37,480 --> 00:33:39,160
Speaker 5: I can just fall back on beauty because I'm going

709
00:33:39,200 --> 00:33:41,920
Speaker 5: to do something, it's going to still be like going forward.

710
00:33:42,080 --> 00:33:45,040
Speaker 5: So if I were to fall forward, I guess it

711
00:33:45,080 --> 00:33:48,640
Speaker 5: would be in something to do with beauty and the

712
00:33:48,680 --> 00:33:51,080
Speaker 5: skills that I've learned, but might not necessarily be like

713
00:33:51,160 --> 00:33:55,760
Speaker 5: I don't know on the tools or anything. But I

714
00:33:55,800 --> 00:33:58,120
Speaker 5: definitely do like the idea of having a business, and

715
00:33:58,120 --> 00:33:59,560
Speaker 5: if I were to do it again, it would be

716
00:33:59,560 --> 00:34:03,240
Speaker 5: done really well and I would so not be anxious,

717
00:34:03,320 --> 00:34:05,200
Speaker 5: and I would take.

718
00:34:05,000 --> 00:34:07,200
Speaker 2: All those things that you learn and be able to

719
00:34:07,520 --> 00:34:09,320
Speaker 2: implement that which is so powerful.

720
00:34:09,920 --> 00:34:11,600
Speaker 4: And again it shows that the.

721
00:34:11,520 --> 00:34:13,799
Speaker 2: Things that we go through are learned and we don't

722
00:34:13,840 --> 00:34:15,359
Speaker 2: forget what we've what we've been through.

723
00:34:15,440 --> 00:34:20,000
Speaker 4: To grow through as we grow through. Oh my gosh,

724
00:34:24,840 --> 00:34:25,359
Speaker 4: they just.

725
00:34:25,320 --> 00:34:26,320
Speaker 3: Call me over guys.

726
00:34:26,320 --> 00:34:28,960
Speaker 2: I feel like you can go and do anything right now.

727
00:34:29,880 --> 00:34:32,759
Speaker 3: I really love this, And there was something that you

728
00:34:32,800 --> 00:34:35,040
Speaker 3: just said that really resonated with me, Like I don't

729
00:34:35,040 --> 00:34:37,080
Speaker 3: want to fall back on something, I want to fall forward.

730
00:34:38,760 --> 00:34:41,319
Speaker 3: Why have I not thought of that before? How am

731
00:34:41,360 --> 00:34:43,319
Speaker 3: I going to fall forward into the next thing that

732
00:34:43,360 --> 00:34:44,799
Speaker 3: I'm going to do? And how am I going to

733
00:34:44,880 --> 00:34:48,000
Speaker 3: lean into that? And I really like that. I really

734
00:34:48,040 --> 00:34:51,120
Speaker 3: like this conversation and it just is for me a

735
00:34:51,160 --> 00:34:54,480
Speaker 3: really great mindset shift around being in debt and knowing

736
00:34:54,520 --> 00:34:57,279
Speaker 3: that you don't have to be ruled by your debt.

737
00:34:57,320 --> 00:34:59,600
Speaker 3: You can still have a life and you can still

738
00:35:00,280 --> 00:35:03,080
Speaker 3: enjoy things and dream about what the future looks like

739
00:35:03,200 --> 00:35:06,400
Speaker 3: and create. And I just think that so many people

740
00:35:06,760 --> 00:35:09,919
Speaker 3: think that their debt defines them. Have you ever felt

741
00:35:10,000 --> 00:35:11,520
Speaker 3: like your debt has defined you?

742
00:35:12,360 --> 00:35:18,200
Speaker 5: Absolutely? It's definitely like controlled my entire twenties, and it

743
00:35:18,520 --> 00:35:21,800
Speaker 5: like it made me feel like I was a person

744
00:35:21,840 --> 00:35:24,200
Speaker 5: that had constantly lived outside my means, which I was,

745
00:35:24,280 --> 00:35:27,000
Speaker 5: and I guess I tried to see where that stemmed from.

746
00:35:27,000 --> 00:35:30,400
Speaker 5: And it was definitely like growing up, we weren't like

747
00:35:30,440 --> 00:35:33,600
Speaker 5: a super wealthy family, but we kind of got everything

748
00:35:33,640 --> 00:35:35,840
Speaker 5: without question, Like there was four of us kids, and

749
00:35:35,840 --> 00:35:38,560
Speaker 5: whenever we needed something, you know, we got it. And

750
00:35:39,160 --> 00:35:42,040
Speaker 5: we always you know, got everything that we wanted for Christmas,

751
00:35:42,080 --> 00:35:45,320
Speaker 5: and we always worked and money was never a topic

752
00:35:45,360 --> 00:35:48,080
Speaker 5: at home. And when a brand car would come, never

753
00:35:48,160 --> 00:35:50,080
Speaker 5: know how we kind of got it, like it was.

754
00:35:50,480 --> 00:35:52,880
Speaker 4: But it I just kicked along somehow.

755
00:35:52,960 --> 00:35:53,800
Speaker 5: Yeah.

756
00:35:54,000 --> 00:35:54,360
Speaker 3: Yeah.

757
00:35:54,400 --> 00:35:56,960
Speaker 5: And then come when my parents broke up and I

758
00:35:57,000 --> 00:35:58,160
Speaker 5: was in with my dad and there was all this

759
00:35:58,280 --> 00:35:59,719
Speaker 5: debt and was all this drama. I was like, oh

760
00:35:59,800 --> 00:36:04,080
Speaker 5: my god. And you know, like he in saying that, though,

761
00:36:04,120 --> 00:36:08,000
Speaker 5: like I probably wouldn't have been able to still be

762
00:36:08,080 --> 00:36:10,720
Speaker 5: in debt and travel the country and run a business

763
00:36:10,760 --> 00:36:13,080
Speaker 5: if I didn't have my dad, Like say, Dad would

764
00:36:13,080 --> 00:36:15,280
Speaker 5: pay for my website. You know, Dad bought me a car,

765
00:36:15,920 --> 00:36:19,400
Speaker 5: Dad saved me, saved my house so many times throughout

766
00:36:19,400 --> 00:36:24,480
Speaker 5: my entire twenties. If I didn't have that, I probably

767
00:36:24,520 --> 00:36:26,600
Speaker 5: would be even more in debt. But at the same time,

768
00:36:26,640 --> 00:36:28,239
Speaker 5: it was kind of like, oh, here's the money, six

769
00:36:28,360 --> 00:36:31,440
Speaker 5: year problem, not okay, well, how can we stop you

770
00:36:31,480 --> 00:36:33,520
Speaker 5: from getting here again. It was kind of like there

771
00:36:33,600 --> 00:36:36,839
Speaker 5: was no putting. Yeah, it was just a band aid.

772
00:36:36,880 --> 00:36:40,360
Speaker 5: Here's some cash, pay for your website or here's some money.

773
00:36:40,440 --> 00:36:43,920
Speaker 4: Do this the poster which I guess kind of whim.

774
00:36:44,040 --> 00:36:46,279
Speaker 3: I guess some people could see that and go, wow,

775
00:36:46,360 --> 00:36:50,400
Speaker 3: that's entitled, But I don't know as like I just

776
00:36:50,760 --> 00:36:54,319
Speaker 3: you know, our parents often, you know, unfortunately this isn't

777
00:36:54,360 --> 00:36:56,840
Speaker 3: the case for everybody, but our parents often want the

778
00:36:56,880 --> 00:36:59,640
Speaker 3: best for us, and they often have absolutely, you know,

779
00:37:00,080 --> 00:37:02,160
Speaker 3: to just gift you things and fix things and give

780
00:37:02,200 --> 00:37:05,600
Speaker 3: a band aid to you, when in reality, like you know,

781
00:37:05,760 --> 00:37:08,360
Speaker 3: paying it off could have been very helpful in that moment,

782
00:37:08,440 --> 00:37:11,719
Speaker 3: or paying for a new website obviously really helped. But

783
00:37:11,880 --> 00:37:14,799
Speaker 3: also saying to you, all right, you know what money

784
00:37:14,920 --> 00:37:17,040
Speaker 3: diarist I was about to use the name, which I'm

785
00:37:17,080 --> 00:37:20,759
Speaker 3: not allowed to. We're going to not only pay this

786
00:37:20,840 --> 00:37:22,040
Speaker 3: off and get you out of it, but we're going

787
00:37:22,080 --> 00:37:24,000
Speaker 3: to stop you from doing it again. And I guess

788
00:37:24,600 --> 00:37:28,120
Speaker 3: that's why she's on the money exists. It's that conversation

789
00:37:28,280 --> 00:37:30,600
Speaker 3: around how do we stop you from doing it again?

790
00:37:30,640 --> 00:37:32,919
Speaker 3: Because you're not in trouble for doing it, like you're

791
00:37:32,920 --> 00:37:35,600
Speaker 3: not a bad person, we're not judging you for getting

792
00:37:35,640 --> 00:37:39,360
Speaker 3: into this situation. In fact, we put ourselves in your shoes.

793
00:37:39,560 --> 00:37:43,279
Speaker 3: We could probably see exactly how that came to be

794
00:37:43,320 --> 00:37:46,480
Speaker 3: yes with your experiences and the knowledge that you had. Like,

795
00:37:46,680 --> 00:37:48,560
Speaker 3: we're all just doing the best we can.

796
00:37:48,760 --> 00:37:49,799
Speaker 4: And trying to figure it out.

797
00:37:49,920 --> 00:37:51,680
Speaker 3: Yeah, we're just trying to figure it out. And like

798
00:37:51,719 --> 00:37:54,160
Speaker 3: some of us still haven't figured it out. Like I

799
00:37:54,160 --> 00:37:56,640
Speaker 3: think everybody puts me personally on a bit of a

800
00:37:56,680 --> 00:37:59,000
Speaker 3: pedestal and says, well, she must have it figured out.

801
00:37:59,040 --> 00:38:01,080
Speaker 3: I'm like no, Like, sometimes I have to take my

802
00:38:01,120 --> 00:38:05,719
Speaker 3: own advice and friends, it is hard. I don't want

803
00:38:05,719 --> 00:38:08,240
Speaker 3: to listen to Victoria's just crazy.

804
00:38:08,600 --> 00:38:10,080
Speaker 4: It's easy to give it.

805
00:38:10,920 --> 00:38:13,640
Speaker 3: Yeah, do as we say, not as we do, but

806
00:38:13,719 --> 00:38:16,520
Speaker 3: like that's just it, right, Like sometimes we just need

807
00:38:16,560 --> 00:38:19,520
Speaker 3: to step back and realize that it's not the situation

808
00:38:19,719 --> 00:38:23,000
Speaker 3: controlling us, it's us, and we can actually reframe that

809
00:38:23,040 --> 00:38:25,960
Speaker 3: situation into anything. And it sounds like you, my friend,

810
00:38:26,080 --> 00:38:29,239
Speaker 3: have done a really beautiful job of kind of reframing

811
00:38:29,280 --> 00:38:31,960
Speaker 3: it so that you're in a position of power as

812
00:38:31,960 --> 00:38:34,960
Speaker 3: opposed to and being the power that controls you.

813
00:38:35,920 --> 00:38:36,680
Speaker 5: Yeah.

814
00:38:36,800 --> 00:38:38,040
Speaker 4: Yeah, I love that.

815
00:38:38,480 --> 00:38:40,840
Speaker 3: I love that. We don't have heaps of time, But

816
00:38:41,800 --> 00:38:44,600
Speaker 3: I have a question, and I think that you know,

817
00:38:44,719 --> 00:38:47,640
Speaker 3: it might be a good place to leave it. A

818
00:38:47,680 --> 00:38:50,480
Speaker 3: lot of other people in our community are currently in

819
00:38:50,480 --> 00:38:53,360
Speaker 3: this position of struggle. They're in debt and things feel

820
00:38:53,480 --> 00:38:55,480
Speaker 3: like there's no light at the end of the tunnel.

821
00:38:55,840 --> 00:38:58,520
Speaker 3: What is your best piece of advice that you could

822
00:38:58,600 --> 00:39:01,480
Speaker 3: leave them with that is not going to make people

823
00:39:01,520 --> 00:39:03,240
Speaker 3: feel like we are on our own.

824
00:39:05,600 --> 00:39:08,279
Speaker 5: I think I've got two, and these are two that

825
00:39:08,960 --> 00:39:12,719
Speaker 5: really helped to ground me and make me feel like

826
00:39:12,760 --> 00:39:14,920
Speaker 5: I had it together even when I didn't. But the

827
00:39:15,000 --> 00:39:18,040
Speaker 5: first one is just to take each moment at a

828
00:39:18,080 --> 00:39:21,839
Speaker 5: time with your debt, not necessarily each day or each debt,

829
00:39:21,840 --> 00:39:25,759
Speaker 5: but literally each moment getting you to where you need

830
00:39:25,800 --> 00:39:29,160
Speaker 5: to be, and I guess facing them, and then your

831
00:39:29,160 --> 00:39:33,680
Speaker 5: gut is always right as well, like with anything, like

832
00:39:33,760 --> 00:39:36,920
Speaker 5: if I was feeling like funny, I guess about like

833
00:39:36,960 --> 00:39:39,239
Speaker 5: a situation that involves the money, and I knew I

834
00:39:39,239 --> 00:39:41,480
Speaker 5: didn't have the money, but I'd commit to it anyway,

835
00:39:41,640 --> 00:39:43,120
Speaker 5: Like I knew I shouldn't have done that, So I

836
00:39:43,120 --> 00:39:47,480
Speaker 5: guess just really listening, you know, to your gut. And yeah,

837
00:39:47,560 --> 00:39:51,160
Speaker 5: just taking each moment at a time and seeing an accountant,

838
00:39:51,280 --> 00:39:54,760
Speaker 5: finding a really really good accountant, and before you even

839
00:39:55,080 --> 00:39:57,560
Speaker 5: think about opening a business, just ask what you need

840
00:39:57,600 --> 00:39:58,520
Speaker 5: to do beforehand.

841
00:39:59,120 --> 00:40:00,760
Speaker 4: Because that was good stage.

842
00:40:01,000 --> 00:40:04,440
Speaker 5: Yes, yeah, it's just what you need to do beforehand,

843
00:40:04,680 --> 00:40:11,959
Speaker 5: I guess, and listen to Shoes on the Money because right, guys,

844
00:40:11,960 --> 00:40:16,600
Speaker 5: I'm so woke fun now. Just yeah, making sure that

845
00:40:16,680 --> 00:40:20,799
Speaker 5: you see on accountant first. Absolutely, I wish I did

846
00:40:20,800 --> 00:40:22,080
Speaker 5: that after.

847
00:40:22,640 --> 00:40:24,319
Speaker 2: I hope that people will listen to this and feel

848
00:40:24,360 --> 00:40:27,600
Speaker 2: really empowered because I definitely do mean too. Yeah, like

849
00:40:28,320 --> 00:40:31,560
Speaker 2: leaving this here and feeling that that way that you know,

850
00:40:31,600 --> 00:40:37,840
Speaker 2: it doesn't matter where you're at, tomorrow can always be better. Absolutely, No,

851
00:40:38,080 --> 00:40:40,600
Speaker 2: there's just always better things coming. And I love your

852
00:40:40,600 --> 00:40:43,600
Speaker 2: attitude and it sounds like you've been through a really

853
00:40:44,440 --> 00:40:47,680
Speaker 2: crazy journey up until now. But like you said, you're

854
00:40:47,680 --> 00:40:51,120
Speaker 2: twenty seven. Better things are coming and you've got a girlfriend.

855
00:40:51,400 --> 00:40:51,879
Speaker 5: Thank you.

856
00:40:52,800 --> 00:40:55,120
Speaker 3: I love that. I'm so sad. That's all we have

857
00:40:55,200 --> 00:40:59,279
Speaker 3: time for that. Oh you're amazing, Thank you.

858
00:40:59,680 --> 00:41:01,040
Speaker 5: Thank you for having me lady.

859
00:41:01,320 --> 00:41:04,160
Speaker 3: No, of course, But just before we head off, we'd

860
00:41:04,239 --> 00:41:07,759
Speaker 3: like to acknowledge and pay respect to Australia's Aboriginal and

861
00:41:07,840 --> 00:41:11,640
Speaker 3: Torrestory Islander people's the traditional custodians at the lands, the

862
00:41:11,640 --> 00:41:15,080
Speaker 3: waterways and the skies all across Australia. We thank you

863
00:41:15,120 --> 00:41:17,000
Speaker 3: for sharing and for caring for the land on which

864
00:41:17,080 --> 00:41:19,760
Speaker 3: we are able to learn. We pay respects to elders

865
00:41:19,800 --> 00:41:22,920
Speaker 3: past and present, and we share our friendship and our kindness.

866
00:41:23,160 --> 00:41:25,520
Speaker 2: The advice shared on She's on the Money is general

867
00:41:25,560 --> 00:41:28,680
Speaker 2: in nature and does not consider your individual circumstances.

868
00:41:29,080 --> 00:41:30,920
Speaker 4: She's on the Money exists.

869
00:41:30,520 --> 00:41:33,600
Speaker 2: Purely for educational purposes and should not be relied upon

870
00:41:33,640 --> 00:41:36,960
Speaker 2: to make an investment or financial decision, and we promise.

871
00:41:37,040 --> 00:41:40,520
Speaker 2: Victoria Devine is an authorized representative of Australia Pacific Funds

872
00:41:40,520 --> 00:41:43,960
Speaker 2: Management Proprietary Limited ABN three four one three two four

873
00:41:44,000 --> 00:41:47,120
Speaker 2: six three two five seven AFSL three three nine one

874
00:41:47,200 --> 00:41:47,840
Speaker 2: five one.

875
00:41:48,239 --> 00:41:51,919
Speaker 3: And thank you Tony for cutting this episode together anytimes. Yeah,

876
00:41:51,960 --> 00:41:52,920
Speaker 3: you're allegended.

877
00:41:52,920 --> 00:41:54,799
Speaker 2: I've got nothing else on, so I might as well.

878
00:41:54,920 --> 00:41:57,120
Speaker 3: John to man, it's so kind of you. Yeah, that's fine,

879
00:41:57,160 --> 00:41:59,120
Speaker 3: all right, See you next week for another money Dory

880
00:41:59,120 --> 00:42:03,520
Speaker 3: Guy record.

881
00:42:04,840 --> 00:42:09,800
Speaker 5: The