1 00:00:00,200 --> 00:00:03,240 Speaker 1: My name's Tatasha Bamblet. I'm a proud First Nations woman 2 00:00:03,600 --> 00:00:07,920 Speaker 1: and I'm here to acknowledge country. Te Glenn Young Ganya, 3 00:00:08,200 --> 00:00:11,920 Speaker 1: Niana Kaka yah y and Binahwaka nian Arka In Mbini, 4 00:00:11,960 --> 00:00:16,920 Speaker 1: yak um Jar, Doumayagumika Umaga, Ihowaka, Nile, Waman damon Immalan, Bumba, 5 00:00:16,960 --> 00:00:19,560 Speaker 1: bang Gada, boma in and now in Waka Ghana and 6 00:00:19,640 --> 00:00:24,439 Speaker 1: yak rum Jar Watanadana. Hello, beautiful friends, we gather on 7 00:00:24,520 --> 00:00:27,480 Speaker 1: the lands of the Aboriginal people. We thank acknowledge and 8 00:00:27,600 --> 00:00:30,080 Speaker 1: respect the Aberiginal people's land that we're gathering on today. 9 00:00:30,680 --> 00:00:33,199 Speaker 1: Take pleasure in all the land and respect all that 10 00:00:33,320 --> 00:00:37,879 Speaker 1: you see. She's on the Money podcast acknowledges culture, country, 11 00:00:38,520 --> 00:00:43,640 Speaker 1: community and connections, bringing you the tools, knowledge and resources 12 00:00:43,920 --> 00:00:44,560 Speaker 1: for you to thrive. 13 00:00:44,840 --> 00:00:46,560 Speaker 2: She's on the Money. 14 00:00:46,800 --> 00:00:51,760 Speaker 3: She's on the Money. Hello, friends, and welcome to She's 15 00:00:51,800 --> 00:00:54,240 Speaker 3: on the Money, the podcast that makes personal finance is fun, 16 00:00:54,480 --> 00:00:57,800 Speaker 3: especially on a Friday. You, my friend, are here just 17 00:00:57,920 --> 00:00:59,920 Speaker 3: in time for Friday drinks, that time of the week 18 00:01:00,040 --> 00:01:02,400 Speaker 3: where we get together to celebrate our She's on the 19 00:01:02,440 --> 00:01:05,720 Speaker 3: Money Community. I'm Victoria Devine and joining me today is 20 00:01:05,800 --> 00:01:08,479 Speaker 3: none other than beksay Ed, who is coming in hot 21 00:01:08,560 --> 00:01:11,920 Speaker 3: with the broke tips, and Miss Jessica Ricci, who is 22 00:01:12,040 --> 00:01:16,480 Speaker 3: as always here with this week's money wins, and my friends. 23 00:01:16,560 --> 00:01:18,480 Speaker 3: As always, we are going to be answering your money 24 00:01:18,520 --> 00:01:21,080 Speaker 3: dilemmas and your dms, and this week's picks are all 25 00:01:21,160 --> 00:01:27,320 Speaker 3: about investment, specifically whether you should continue investing time at 26 00:01:27,360 --> 00:01:29,800 Speaker 3: a job that you literally hate for long term financial 27 00:01:29,880 --> 00:01:35,960 Speaker 3: gains and where to invest when you've inherited a hefty portfolio. Oh, 28 00:01:36,280 --> 00:01:39,000 Speaker 3: I think will be very interesting if you have an 29 00:01:39,040 --> 00:01:42,240 Speaker 3: intriguing money dilemma, we would always love to hear it. 30 00:01:42,880 --> 00:01:45,760 Speaker 3: We just want the tea like, ask me, what are 31 00:01:45,800 --> 00:01:47,360 Speaker 3: you going to do about your boyfriend who's cheating on 32 00:01:47,400 --> 00:01:49,240 Speaker 3: you but you have a house together. I want to 33 00:01:49,320 --> 00:01:51,960 Speaker 3: know you know. I want the juicy goss, like, if 34 00:01:51,960 --> 00:01:54,200 Speaker 3: you've got anything that's related to money, I'll take it. 35 00:01:54,240 --> 00:01:56,640 Speaker 3: If you've got any other goss, I will also take it. 36 00:01:57,240 --> 00:01:59,360 Speaker 3: So please head on over to the podcast page on 37 00:01:59,440 --> 00:02:01,760 Speaker 3: She's on the Money and leave us a message. We 38 00:02:01,880 --> 00:02:03,680 Speaker 3: listen to every single one of them, and some of 39 00:02:03,760 --> 00:02:07,040 Speaker 3: them end up right here on the podcast. Now, it's 40 00:02:07,120 --> 00:02:09,519 Speaker 3: been a while, so you're gonna have to remind me. 41 00:02:09,639 --> 00:02:11,639 Speaker 3: Could it be I don't know time for a five 42 00:02:11,720 --> 00:02:14,600 Speaker 3: star review? It's exactly time for five star review. Cop 43 00:02:14,600 --> 00:02:16,520 Speaker 3: Oh my god, I just checked my watch. That's crazy, 44 00:02:16,600 --> 00:02:18,440 Speaker 3: of course, the time where we bask in the glory 45 00:02:18,480 --> 00:02:21,399 Speaker 3: of ourselves and the most flattering comments that our community 46 00:02:21,480 --> 00:02:23,799 Speaker 3: provide us. Oh my god, I'm so excited. And look, 47 00:02:23,840 --> 00:02:25,799 Speaker 3: we love to chat, but hearing all of you and 48 00:02:25,919 --> 00:02:27,840 Speaker 3: what you think of the show and what we've covered 49 00:02:27,960 --> 00:02:30,640 Speaker 3: is it just doesn't get old. I'm not gonna lie. 50 00:02:30,760 --> 00:02:33,119 Speaker 3: So if you've been umming and a ring about leaving 51 00:02:33,160 --> 00:02:37,440 Speaker 3: a review, my friend, this is your sign. I'm all 52 00:02:37,440 --> 00:02:39,639 Speaker 3: about signed. So this is your sign. You can share 53 00:02:39,680 --> 00:02:42,800 Speaker 3: them with us on Apple, podcasts, on Spotify, on socials, 54 00:02:42,840 --> 00:02:45,519 Speaker 3: on dms. We are really not very picky. All we 55 00:02:45,680 --> 00:02:47,960 Speaker 3: want to do is bask in the glory of your 56 00:02:48,040 --> 00:02:52,040 Speaker 3: most flattering comments. So this one it comes from Lichelle, 57 00:02:52,280 --> 00:02:55,600 Speaker 3: and you know what she says, six star review. Okay, 58 00:02:56,040 --> 00:02:59,000 Speaker 3: pop off, Queen. That is a great start, she says, 59 00:02:59,520 --> 00:03:02,839 Speaker 3: She's on the money. Has genuinely changed my life. I'm 60 00:03:02,919 --> 00:03:05,800 Speaker 3: only twenty two, but I've been binging the podcast since 61 00:03:05,800 --> 00:03:08,280 Speaker 3: I started listing at the start of twenty twenty five. 62 00:03:08,880 --> 00:03:10,840 Speaker 3: I used to think my money habits were in A 63 00:03:11,120 --> 00:03:13,799 Speaker 3: plus and then I realized that maybe they're more of 64 00:03:13,840 --> 00:03:16,040 Speaker 3: a B mins And now I reckon I've brought it 65 00:03:16,120 --> 00:03:19,280 Speaker 3: back up to a B plus. Oh, I'm determined to 66 00:03:19,440 --> 00:03:22,000 Speaker 3: get my A status back. She's on the money has 67 00:03:22,040 --> 00:03:25,239 Speaker 3: accompanied me basically everywhere I drive. They are my friends 68 00:03:25,480 --> 00:03:28,920 Speaker 3: and they are my mentors. I've started investing with Chais's 69 00:03:28,960 --> 00:03:32,960 Speaker 3: in October and I'm almost at my three thousand dollar milestone. 70 00:03:33,560 --> 00:03:36,080 Speaker 3: Sometimes when I'm scared I'm not doing enough for I'm 71 00:03:36,120 --> 00:03:38,800 Speaker 3: doing the wrong things, I remind myself that I've started 72 00:03:38,880 --> 00:03:41,839 Speaker 3: earlier than if I let analysis paralysis get in my way, 73 00:03:41,920 --> 00:03:45,080 Speaker 3: and that I am building up my future regardless. I 74 00:03:45,200 --> 00:03:48,440 Speaker 3: know future me is going to thank me. I want 75 00:03:48,520 --> 00:03:50,800 Speaker 3: to thank you all as well. I wouldn't have done 76 00:03:50,880 --> 00:03:53,360 Speaker 3: any of this without you. And then she did three 77 00:03:53,400 --> 00:03:54,960 Speaker 3: of those love hearts that we used to do on 78 00:03:55,160 --> 00:03:58,160 Speaker 3: MSN back in the day, with the like greater than 79 00:03:58,320 --> 00:04:03,040 Speaker 3: sign and the number three queen. Yeah, my goodness, that's amazing. 80 00:04:03,160 --> 00:04:06,520 Speaker 3: You have a very bright financial future. Absolutely, I wish 81 00:04:06,520 --> 00:04:08,840 Speaker 3: I was like that. I know we are so proud 82 00:04:08,880 --> 00:04:11,200 Speaker 3: of you. And you are well on your way, my queen, 83 00:04:11,240 --> 00:04:14,000 Speaker 3: and congrats on beating analysis paralysis because we don't know 84 00:04:14,040 --> 00:04:18,160 Speaker 3: her here noa yeah, big snaps. Now, my friends, I 85 00:04:18,240 --> 00:04:20,080 Speaker 3: have been away for a little while. It's just been 86 00:04:20,120 --> 00:04:21,840 Speaker 3: the two of you, but I am back. But I 87 00:04:21,960 --> 00:04:24,400 Speaker 3: want to be in the No. What have our community 88 00:04:24,520 --> 00:04:25,280 Speaker 3: been asking about? 89 00:04:25,440 --> 00:04:27,120 Speaker 4: My favorite one was we were asked if the top 90 00:04:27,160 --> 00:04:28,839 Speaker 4: or the bottom of the pizza was the cruss part? 91 00:04:29,800 --> 00:04:31,680 Speaker 4: What so if you were going to take a bike, 92 00:04:31,760 --> 00:04:32,960 Speaker 4: if I said take a bike from the top of 93 00:04:32,960 --> 00:04:34,400 Speaker 4: the piece of pizza, will you take a bike from 94 00:04:34,400 --> 00:04:35,400 Speaker 4: the crust or from the point of it? 95 00:04:35,600 --> 00:04:39,160 Speaker 3: Yes, the top of the what? Which? Where do we 96 00:04:39,320 --> 00:04:42,320 Speaker 3: land on this? We agree? We read the crust was 97 00:04:42,360 --> 00:04:43,720 Speaker 3: the top, the crust is the handle? 98 00:04:43,960 --> 00:04:47,200 Speaker 4: Yeah, well, and the handles are the top. I'm sure 99 00:04:47,279 --> 00:04:49,160 Speaker 4: we had this conversation. Do you know what? 100 00:04:49,360 --> 00:04:53,440 Speaker 3: No, I can't remember. We landed on flip it around? Yeah, crust, 101 00:04:54,240 --> 00:04:57,400 Speaker 3: I don't know crust, you know what I reckon. The 102 00:04:57,440 --> 00:04:59,920 Speaker 3: way I'm solving this is, if you were to be 103 00:05:00,040 --> 00:05:02,680 Speaker 3: given a piece of paper and you were to draw 104 00:05:02,880 --> 00:05:05,360 Speaker 3: a piece of pizza, would the crusty at the top 105 00:05:05,480 --> 00:05:06,960 Speaker 3: or would you draw the crust to the bottom at 106 00:05:07,000 --> 00:05:09,880 Speaker 3: the top. Ye okay, it's the top, yeah, okay, questionably. 107 00:05:10,920 --> 00:05:12,600 Speaker 3: And then you hold up the paper and the piece 108 00:05:12,640 --> 00:05:14,920 Speaker 3: of like the crust is drawn at the top, it's 109 00:05:15,000 --> 00:05:15,240 Speaker 3: the top. 110 00:05:15,360 --> 00:05:16,719 Speaker 4: Like if I said to hold a piece of pizza 111 00:05:16,760 --> 00:05:18,480 Speaker 4: by the like, you're not picking it up by the tip. 112 00:05:21,600 --> 00:05:23,600 Speaker 3: Top. But you don't pick everything up by the top. 113 00:05:24,400 --> 00:05:26,040 Speaker 3: Like if you were to pick up a lamp, would 114 00:05:26,040 --> 00:05:27,920 Speaker 3: you pick it up by the top of the lamp? No, 115 00:05:28,040 --> 00:05:31,640 Speaker 3: you'd pick up the bottom. I see the logic, but 116 00:05:31,760 --> 00:05:35,160 Speaker 3: I'm staunch in my belief. Yeah, the top. Well, you 117 00:05:35,200 --> 00:05:36,600 Speaker 3: know what, I'm not going to ask about the other 118 00:05:36,680 --> 00:05:38,279 Speaker 3: questions because I feel like we would talk about them 119 00:05:38,320 --> 00:05:39,920 Speaker 3: for the rest of the episode. And I'm sad I 120 00:05:40,000 --> 00:05:43,600 Speaker 3: missed those kind of but hopefully this week's question will 121 00:05:43,680 --> 00:05:46,000 Speaker 3: make up the fact that I missed a few. This 122 00:05:46,160 --> 00:05:50,560 Speaker 3: one comes from Arnie, who asks the Suddenly thirty movie 123 00:05:50,680 --> 00:05:54,880 Speaker 3: reboot is officially in development. What would your thirteen year 124 00:05:54,920 --> 00:05:57,000 Speaker 3: old self expect to see if she woke up as 125 00:05:57,040 --> 00:05:59,400 Speaker 3: you today? This is a bad time, say I haven't 126 00:05:59,400 --> 00:06:02,520 Speaker 3: seen Suddenly. It's when a thirteen year old get this, 127 00:06:03,000 --> 00:06:05,880 Speaker 3: wakes up and just suddenly thirty, got it. Yeah, so 128 00:06:06,440 --> 00:06:09,200 Speaker 3: you were thirteen and then you blinked and woke up 129 00:06:10,200 --> 00:06:12,560 Speaker 3: as Jessie today. I'm pretty sure. 130 00:06:12,839 --> 00:06:15,200 Speaker 4: At the time, I was like, by thirty, I'll have 131 00:06:15,279 --> 00:06:18,840 Speaker 4: a big house and a husband and two kids, because like, 132 00:06:18,880 --> 00:06:20,920 Speaker 4: obviously I'm gonna have my first kid at like twenty four, 133 00:06:21,000 --> 00:06:22,240 Speaker 4: and then if I have my next kid by like 134 00:06:22,320 --> 00:06:28,360 Speaker 4: twenty six and by thirty, yeah, wow, crazy logic, I know. 135 00:06:28,720 --> 00:06:31,120 Speaker 4: And my logic was this, keep those children away from me, 136 00:06:31,520 --> 00:06:33,160 Speaker 4: like I love them, I love the children. Give me 137 00:06:33,240 --> 00:06:34,279 Speaker 4: the children as long as she. 138 00:06:34,320 --> 00:06:36,680 Speaker 3: Wants my kid, but she wants to give it back. Yes, 139 00:06:37,000 --> 00:06:39,320 Speaker 3: oh my god, I did. And she's an angel with 140 00:06:39,440 --> 00:06:41,880 Speaker 3: my children. But she's just a lot of kids. Yeah, 141 00:06:42,040 --> 00:06:45,600 Speaker 3: I will not be spawning after me. No, no, absolutely, 142 00:06:45,600 --> 00:06:47,680 Speaker 3: are you happy about that? I don't feel any type 143 00:06:47,680 --> 00:06:48,480 Speaker 3: of way about like I think. 144 00:06:48,520 --> 00:06:51,800 Speaker 4: I just I had a very idealized version of what 145 00:06:51,920 --> 00:06:54,640 Speaker 4: being an adult was and like how expensive it was 146 00:06:54,680 --> 00:06:57,400 Speaker 4: to be an adult and how much responsibility you have 147 00:06:57,480 --> 00:06:59,000 Speaker 4: it here mean, I was like, when I'm an adult, 148 00:06:59,080 --> 00:07:02,280 Speaker 4: I'm going to drive my own car and we're really cool. 149 00:07:02,400 --> 00:07:04,840 Speaker 3: Yes, and nobody's going to tell me what to do. 150 00:07:05,480 --> 00:07:07,480 Speaker 3: And now I'm like, now you have adult money and 151 00:07:07,520 --> 00:07:09,040 Speaker 3: you've got to spend it like an adult. Like that 152 00:07:09,279 --> 00:07:10,800 Speaker 3: is not the concept of adult money. 153 00:07:11,080 --> 00:07:11,280 Speaker 1: Yeah. 154 00:07:11,320 --> 00:07:13,240 Speaker 3: I don't know where my wife's got crossed, but this 155 00:07:13,400 --> 00:07:16,360 Speaker 3: is not what I signed up for. Confused adult money 156 00:07:16,400 --> 00:07:19,120 Speaker 3: with free will? Yeah, yeah, and those two things were different. 157 00:07:19,200 --> 00:07:21,640 Speaker 3: We were going to be eating fruit loops for breakfast 158 00:07:21,680 --> 00:07:22,160 Speaker 3: every day. 159 00:07:23,680 --> 00:07:25,520 Speaker 4: Literally. I was like, I'm going to live off McDonald 160 00:07:25,600 --> 00:07:28,040 Speaker 4: It's like, yeah, my mom's not going to tell me 161 00:07:28,200 --> 00:07:29,600 Speaker 4: what to do when I grow up, and now I 162 00:07:29,680 --> 00:07:30,560 Speaker 4: call him like, Mom. 163 00:07:30,480 --> 00:07:35,040 Speaker 3: What do I do? Help? Yeah, it's all so funny. 164 00:07:35,080 --> 00:07:36,720 Speaker 5: Like I feel like if we were told our whole 165 00:07:36,760 --> 00:07:40,040 Speaker 5: lives that we have to or we should be owning 166 00:07:40,120 --> 00:07:42,840 Speaker 5: a horse by the time we're fifty, then we will 167 00:07:42,840 --> 00:07:45,480 Speaker 5: be like, oh, by this stage, I thought own a horse. 168 00:07:45,560 --> 00:07:47,400 Speaker 3: It's like you're just like doing what you want to 169 00:07:47,400 --> 00:07:49,400 Speaker 3: do at all times, and I think it's amazing. Also, 170 00:07:49,480 --> 00:07:54,880 Speaker 3: that's so Australian, like not a horse. We are in kangaroos. Obviously, No, 171 00:07:55,120 --> 00:07:57,400 Speaker 3: we want to own property because it's great Australian dream. 172 00:07:57,480 --> 00:08:00,440 Speaker 3: But if you went overseas would be like, what's your plan? 173 00:08:01,560 --> 00:08:03,880 Speaker 3: Not many other countries would be like, oh, well, I'll 174 00:08:03,880 --> 00:08:06,240 Speaker 3: own a home, like it's just not part of the 175 00:08:07,120 --> 00:08:09,680 Speaker 3: kids a family. They'd probably be like, oh, I'd rant 176 00:08:09,760 --> 00:08:13,040 Speaker 3: in a beautiful location. Like we've just been fed this narrative, 177 00:08:13,080 --> 00:08:16,280 Speaker 3: and that narrative somehow becomes our expectations. I know, I 178 00:08:16,360 --> 00:08:18,640 Speaker 3: have a very different answer. I didn't even clock that, 179 00:08:18,960 --> 00:08:20,080 Speaker 3: or I just I knew that. 180 00:08:20,200 --> 00:08:22,840 Speaker 5: Like if I was thirteen one second ago and just 181 00:08:22,880 --> 00:08:25,960 Speaker 5: woke up now, I would be stoked as hell to 182 00:08:26,080 --> 00:08:28,520 Speaker 5: be like, first of all, I'm on this. 183 00:08:28,600 --> 00:08:30,760 Speaker 3: Podcast with you guys. Also you're really hot. 184 00:08:31,200 --> 00:08:33,320 Speaker 5: Not to big note myself, but I remember like really 185 00:08:33,360 --> 00:08:35,319 Speaker 5: not liking the way my lips were when I smiled 186 00:08:35,480 --> 00:08:37,439 Speaker 5: back when I was like when I was like a teenager, 187 00:08:37,679 --> 00:08:40,760 Speaker 5: and I like would love to know that it evened 188 00:08:40,760 --> 00:08:42,920 Speaker 5: itself out, like you know, like it really pointed down. 189 00:08:43,040 --> 00:08:44,240 Speaker 3: I don't know how to explain it, but I don't 190 00:08:44,240 --> 00:08:46,040 Speaker 3: know how to explain it, but you've got phenomenal lips. 191 00:08:46,040 --> 00:08:51,000 Speaker 3: Oh thank you. I would just be stoked as hell. 192 00:08:51,240 --> 00:08:53,439 Speaker 5: And I really wanted that life of like not sitcom, 193 00:08:53,520 --> 00:08:56,040 Speaker 5: but like where like you know, friends are everywhere and 194 00:08:56,160 --> 00:08:57,400 Speaker 5: like I don't know, I just like I would. 195 00:08:57,240 --> 00:08:59,760 Speaker 3: Be stoked basically as my you know what you do 196 00:09:00,240 --> 00:09:02,280 Speaker 3: like as much as you're like, oh I wish I 197 00:09:02,360 --> 00:09:04,360 Speaker 3: was better at this or that, Like you have such 198 00:09:04,400 --> 00:09:06,480 Speaker 3: a wholesome life of like all your friends like and 199 00:09:06,600 --> 00:09:10,080 Speaker 3: you prioritize them and like you just live life doing 200 00:09:10,160 --> 00:09:13,480 Speaker 3: the things that make you happy. Thank you. She'd be proud. 201 00:09:13,880 --> 00:09:16,559 Speaker 3: I think she'd be pretty happy, Like, Okay, what about you? 202 00:09:17,000 --> 00:09:21,400 Speaker 3: Why not a doctor? Thirteen year old me would be 203 00:09:21,480 --> 00:09:22,920 Speaker 3: like we did what? 204 00:09:24,080 --> 00:09:24,280 Speaker 6: Why? 205 00:09:25,240 --> 00:09:28,839 Speaker 3: Like public speaking at thirteen terrifying. I know that I've 206 00:09:28,880 --> 00:09:31,120 Speaker 3: said on the podcast before that I used to be 207 00:09:31,240 --> 00:09:35,360 Speaker 3: like the debating team captain, like girl stuff. I did 208 00:09:35,480 --> 00:09:37,800 Speaker 3: that because I was so nervous to speak in front 209 00:09:37,840 --> 00:09:40,760 Speaker 3: of groups. And my dad when he was growing up, 210 00:09:41,160 --> 00:09:43,560 Speaker 3: he actually had a stutter. And one of the things 211 00:09:43,640 --> 00:09:46,360 Speaker 3: he did to help that he did like toastmasters and 212 00:09:46,400 --> 00:09:49,120 Speaker 3: public speaking and stuff. So he always was like Victoria, like, 213 00:09:49,480 --> 00:09:51,679 Speaker 3: to get some more confidence, you should go and do like, 214 00:09:51,960 --> 00:09:54,000 Speaker 3: you know, put yourself out of your comfort zone. Debating 215 00:09:54,000 --> 00:09:55,719 Speaker 3: would be a really good way of doing that. You know, 216 00:09:55,840 --> 00:09:59,000 Speaker 3: the public speaking like group at all, the club at school, 217 00:09:59,040 --> 00:10:00,760 Speaker 3: that would be a really good thing for you. And 218 00:10:00,840 --> 00:10:02,800 Speaker 3: so I always kind of like followed that, but not 219 00:10:02,960 --> 00:10:05,440 Speaker 3: because I enjoyed it, but because I thought I had 220 00:10:05,520 --> 00:10:08,959 Speaker 3: to because like, you know, that was good for my development. 221 00:10:09,320 --> 00:10:12,000 Speaker 3: What do you mean it's my career, dad, What have 222 00:10:12,080 --> 00:10:14,920 Speaker 3: you done? You a whole new path? Yeah, and I 223 00:10:15,080 --> 00:10:16,920 Speaker 3: agree with you, Jess. I think I had this very 224 00:10:17,000 --> 00:10:19,760 Speaker 3: stereotypical idea that i'd wake up, like I think I'd 225 00:10:19,800 --> 00:10:22,360 Speaker 3: be confused about why I have babies right now, Like 226 00:10:22,640 --> 00:10:24,959 Speaker 3: not because I didn't want kids, but why are they're 227 00:10:25,000 --> 00:10:27,679 Speaker 3: not in school? Yeah, Like in my head, I was 228 00:10:27,720 --> 00:10:30,280 Speaker 3: meant to have kids when I was like much younger. 229 00:10:30,720 --> 00:10:33,640 Speaker 3: So like if I woke up, you know, in suddenly 230 00:10:33,679 --> 00:10:36,640 Speaker 3: thirty and I was today years old, which is nearly 231 00:10:36,760 --> 00:10:45,959 Speaker 3: thirty five aged exactly. She told me, I think we 232 00:10:47,120 --> 00:10:50,439 Speaker 3: were on a zoom and we were crazy about you know, 233 00:10:50,480 --> 00:10:52,160 Speaker 3: I'm going to throw Kiara under the bus to the 234 00:10:52,200 --> 00:10:55,440 Speaker 3: community that loves her, because Kiara is our community manager 235 00:10:55,520 --> 00:10:58,640 Speaker 3: and she is an angel, Like she reads every single 236 00:10:58,800 --> 00:11:01,559 Speaker 3: DM and makes that you get the resource that you 237 00:11:01,679 --> 00:11:04,439 Speaker 3: need right, Like she spent so long even in our 238 00:11:04,520 --> 00:11:07,040 Speaker 3: group chats on she's on the money being like, oh hey, 239 00:11:07,120 --> 00:11:08,920 Speaker 3: I just got this damn from someone and like I've 240 00:11:08,920 --> 00:11:11,200 Speaker 3: sent them this and this, but like, what else could 241 00:11:11,240 --> 00:11:14,640 Speaker 3: I provide them with? She's an icon. She cares about 242 00:11:14,720 --> 00:11:17,520 Speaker 3: us so much, and then she did us dirty, so dirty. 243 00:11:17,640 --> 00:11:20,040 Speaker 3: She's like, oh yeah, like the demographics of she's on 244 00:11:20,120 --> 00:11:22,760 Speaker 3: the money. Oh between I think it was like we 245 00:11:22,840 --> 00:11:25,199 Speaker 3: were talking about the demographic of between the ages of 246 00:11:25,240 --> 00:11:28,360 Speaker 3: twenty five and thirty five. She's like, yeah, like thirty 247 00:11:28,400 --> 00:11:32,360 Speaker 3: five middle aged and I was like, excu wooose me. 248 00:11:32,559 --> 00:11:34,959 Speaker 3: You're gonna go jump in front of a car. It 249 00:11:35,120 --> 00:11:37,360 Speaker 3: was like, and did you see the way I jumped down? 250 00:11:37,600 --> 00:11:40,920 Speaker 3: I was like, care, take that back. The girl doubled down. 251 00:11:41,360 --> 00:11:43,280 Speaker 3: She was like, no, no year old? 252 00:11:43,440 --> 00:11:44,160 Speaker 4: Oh god. 253 00:11:44,840 --> 00:11:46,480 Speaker 3: And you know what she said to me the other day. 254 00:11:46,600 --> 00:11:48,760 Speaker 3: She goes, hey, Victoria, she was feeling in a form 255 00:11:48,840 --> 00:11:51,480 Speaker 3: for me and needed my driver's license and like my age, 256 00:11:52,120 --> 00:11:55,160 Speaker 3: and she goes, did you know you're like a full 257 00:11:55,280 --> 00:11:58,319 Speaker 3: decade older than me? And I was like, oh, why 258 00:11:58,360 --> 00:12:01,400 Speaker 3: are you pointing this out? And she goes, because it's 259 00:12:01,440 --> 00:12:04,960 Speaker 3: really funny. In ten years, Kia is going to be like, Wow, 260 00:12:05,040 --> 00:12:07,800 Speaker 3: this is not middle aged. I can't wait to come 261 00:12:07,880 --> 00:12:09,880 Speaker 3: for you Kiara in ten years and be like, how's 262 00:12:09,920 --> 00:12:10,960 Speaker 3: being middle aged feel? 263 00:12:11,320 --> 00:12:11,520 Speaker 2: Yeah? 264 00:12:12,880 --> 00:12:15,560 Speaker 3: Except from my deathbat. Anyway, I think thirteen year old 265 00:12:15,640 --> 00:12:17,480 Speaker 3: me would be confused, but I also think she'd be 266 00:12:17,520 --> 00:12:21,319 Speaker 3: insanely proud, Like how cool would it be? Like you 267 00:12:21,520 --> 00:12:23,920 Speaker 3: just explained how proud thirteen year old you would be. 268 00:12:24,120 --> 00:12:26,040 Speaker 3: If we could go back and be like, hey, thirteen 269 00:12:26,120 --> 00:12:29,240 Speaker 3: year old me, stop being so self conscious, Like every 270 00:12:29,360 --> 00:12:33,839 Speaker 3: thirteen year old is deeply self conscious, and I don't know, 271 00:12:34,520 --> 00:12:36,240 Speaker 3: go back and like pat baby jess and be like 272 00:12:36,360 --> 00:12:38,839 Speaker 3: it's going to be all good. Yeah, maybe true, you're 273 00:12:38,960 --> 00:12:41,800 Speaker 3: like really sick once you get to thirty. Yeah, you're 274 00:12:41,840 --> 00:12:43,160 Speaker 3: actually like real cool. 275 00:12:43,320 --> 00:12:43,520 Speaker 4: Yeah. 276 00:12:44,320 --> 00:12:46,880 Speaker 3: Some dudes stopped you in the supermarket the other day 277 00:12:46,960 --> 00:12:50,720 Speaker 3: and said, are you Jessica from She's on the Money? Incredible? 278 00:12:50,760 --> 00:12:52,200 Speaker 3: All right, Well, I think that was a little bit 279 00:12:52,240 --> 00:12:54,800 Speaker 3: of a throwback. If you guys have a question for us, 280 00:12:54,840 --> 00:12:57,199 Speaker 3: please send it through. And it definitely doesn't have to 281 00:12:57,240 --> 00:13:00,480 Speaker 3: be finance related either, as you've just heard. It literally 282 00:13:00,640 --> 00:13:03,480 Speaker 3: be about one of your favorite rom com movies and franchises. 283 00:13:03,559 --> 00:13:08,360 Speaker 3: We don't care. We're taking all questions now, Miss Jessicgriuchi. 284 00:13:08,480 --> 00:13:11,400 Speaker 3: How are they Has the community had any spectacular money 285 00:13:11,440 --> 00:13:12,040 Speaker 3: wins this week? 286 00:13:12,160 --> 00:13:12,280 Speaker 4: Oh? 287 00:13:12,280 --> 00:13:12,839 Speaker 3: They always do. 288 00:13:13,080 --> 00:13:15,880 Speaker 4: Firstly, this week Kayla said, I've secured a permanent role 289 00:13:15,960 --> 00:13:17,920 Speaker 4: within the team. I've been working for the last two 290 00:13:18,040 --> 00:13:20,760 Speaker 4: years on a casual fixed CHAM contract, so I now 291 00:13:20,880 --> 00:13:24,640 Speaker 4: get extra super and great leave benefits money weird. 292 00:13:25,280 --> 00:13:26,480 Speaker 3: Steph said she just brought. 293 00:13:26,360 --> 00:13:30,240 Speaker 4: Her first home congratulations, and she found six pavers at 294 00:13:30,480 --> 00:13:32,520 Speaker 4: I'm pretty sure that the Bunning's handwriting. 295 00:13:32,920 --> 00:13:33,160 Speaker 3: She said. 296 00:13:33,160 --> 00:13:34,760 Speaker 4: They're perfect for stepping zones. 297 00:13:34,800 --> 00:13:40,199 Speaker 3: The Bunnings handwriting, Jess really do be thirty Literally, giant 298 00:13:40,320 --> 00:13:42,480 Speaker 3: pavers do go in your ground? Oh yeah, that is 299 00:13:42,520 --> 00:13:45,520 Speaker 3: the Bunnings handwriting. Hell yeah, that is fifty cents a paver. 300 00:13:46,280 --> 00:13:48,079 Speaker 4: So she paid a grand total of three dollars to 301 00:13:48,200 --> 00:13:49,679 Speaker 4: pay her path in her front hour. 302 00:13:49,840 --> 00:13:52,480 Speaker 3: That's really cute. How it is that money win? 303 00:13:53,240 --> 00:13:55,120 Speaker 4: Jackie said she went to see a new horror movie 304 00:13:55,240 --> 00:13:57,920 Speaker 4: called Obsession for a dollar thanks to muber one. 305 00:13:58,200 --> 00:14:00,520 Speaker 3: Really want to see that? Oh see a dollar to 306 00:14:00,600 --> 00:14:00,800 Speaker 3: not go? 307 00:14:01,200 --> 00:14:03,760 Speaker 4: Literally? I don't say me up. Really, I have not 308 00:14:03,800 --> 00:14:05,439 Speaker 4: watched a horror movie since I was in high school. 309 00:14:05,559 --> 00:14:07,240 Speaker 3: But it's like eerie. 310 00:14:07,679 --> 00:14:08,440 Speaker 4: Nah, that's worse. 311 00:14:08,520 --> 00:14:09,839 Speaker 3: I don't want to be scared at all. I'm the 312 00:14:09,840 --> 00:14:11,600 Speaker 3: same as Jes. So do you not like watching movies 313 00:14:11,679 --> 00:14:14,960 Speaker 3: that carry suspense, which is okay, kind of funny because 314 00:14:14,960 --> 00:14:17,520 Speaker 3: I love true crime, but like, I know that that 315 00:14:17,640 --> 00:14:20,040 Speaker 3: crime has already happened and done and passed, and we're 316 00:14:20,080 --> 00:14:22,200 Speaker 3: just talking about something that happened. You're not like trying 317 00:14:22,240 --> 00:14:24,720 Speaker 3: to make me suspenseful the second you put me in 318 00:14:24,800 --> 00:14:27,640 Speaker 3: a situation of suspense, Like, I'm still traumatized from the 319 00:14:27,760 --> 00:14:30,960 Speaker 3: time and don't ask how this happened. I used to 320 00:14:31,000 --> 00:14:33,880 Speaker 3: have a friend. Her name was Emily, and she loved horror. 321 00:14:34,240 --> 00:14:36,200 Speaker 3: I knew that about her. And she was like, do 322 00:14:36,240 --> 00:14:37,360 Speaker 3: you want to go to the movies one day? And 323 00:14:37,440 --> 00:14:39,880 Speaker 3: I was like, would love to go to the movies. 324 00:14:39,960 --> 00:14:42,200 Speaker 3: That would be fantastic, And she's like, I want to 325 00:14:42,240 --> 00:14:46,440 Speaker 3: see The Conjuring. Oh no, And I was like, great, 326 00:14:47,080 --> 00:14:50,240 Speaker 3: sounds good. At that point in time, I didn't know 327 00:14:50,400 --> 00:14:53,280 Speaker 3: what conjuring was as a word. I didn't know that 328 00:14:53,400 --> 00:14:56,760 Speaker 3: that was a very very bad horror movie, very scary. 329 00:14:57,400 --> 00:14:59,560 Speaker 3: I get to the cinemas, I'm excited. I've got my 330 00:14:59,600 --> 00:15:02,040 Speaker 3: pop and I've put my mald teesers in the popcorn. 331 00:15:02,120 --> 00:15:04,880 Speaker 3: I was there to have a good time. I'm still traumatized. 332 00:15:05,080 --> 00:15:07,440 Speaker 4: Yeah, to this day, I won't be doing that, But 333 00:15:07,440 --> 00:15:09,160 Speaker 4: I wonder the movie ticket sounds very good. Thank you 334 00:15:09,240 --> 00:15:12,080 Speaker 4: for the heads up, Jackie. Then Kylie said, I got 335 00:15:12,120 --> 00:15:14,720 Speaker 4: an email that said I overpaid my loan and they're 336 00:15:14,760 --> 00:15:17,080 Speaker 4: refunding me a grand total of sixteen cents. 337 00:15:17,200 --> 00:15:19,320 Speaker 3: You know what, I'll take it. Oh, it need a win. 338 00:15:19,640 --> 00:15:22,680 Speaker 3: So what I'm hearing is the loan's paid off. Queen, Yes, 339 00:15:22,840 --> 00:15:23,520 Speaker 3: snaps for you. 340 00:15:24,880 --> 00:15:27,000 Speaker 4: Shelby said, my friend from work is we a kitchen 341 00:15:27,040 --> 00:15:29,000 Speaker 4: renovation and she's giving me all of the stuff from 342 00:15:29,040 --> 00:15:31,560 Speaker 4: her kitchen so that she can buy new stuff. So 343 00:15:31,680 --> 00:15:34,440 Speaker 4: she's gotten quite a lot of kitchen set up out 344 00:15:34,480 --> 00:15:37,120 Speaker 4: of it, and she was looking at buying it. Anyway's money, 345 00:15:37,280 --> 00:15:39,720 Speaker 4: we genuine money, we really good money in And then 346 00:15:39,800 --> 00:15:42,360 Speaker 4: lastly this week, Jasmine said she went mini golfing and 347 00:15:42,560 --> 00:15:45,560 Speaker 4: saw online that there was a family entry price. When 348 00:15:45,600 --> 00:15:49,000 Speaker 4: they arrived, they tried to charge her family individual ticket prices, 349 00:15:49,080 --> 00:15:51,560 Speaker 4: so she asked about the family ticket, which they then 350 00:15:51,640 --> 00:15:53,880 Speaker 4: gave her, which saved her twenty eight dollars. 351 00:15:54,360 --> 00:15:58,720 Speaker 3: Why of it all, you can't assume that they'll tell 352 00:15:58,720 --> 00:15:59,320 Speaker 3: you the best deal. 353 00:15:59,360 --> 00:16:00,640 Speaker 4: You've got to know what the best deal is. 354 00:16:00,840 --> 00:16:03,600 Speaker 3: Yes, so true, which is dog as hell and the 355 00:16:03,680 --> 00:16:05,720 Speaker 3: best deal is usually just on the mac is app, 356 00:16:05,880 --> 00:16:09,120 Speaker 3: not sponsored, but like, I just order through the MACS app. Now, 357 00:16:09,360 --> 00:16:11,040 Speaker 3: I used to think it was really annoying when you 358 00:16:11,120 --> 00:16:13,160 Speaker 3: got to the check That was how I feel. Yeah, 359 00:16:13,200 --> 00:16:15,320 Speaker 3: when you got to like the drive through and they 360 00:16:15,400 --> 00:16:17,760 Speaker 3: go are you using my MACS app today? And you 361 00:16:17,800 --> 00:16:19,760 Speaker 3: go no, And then you're like, can I just auder 362 00:16:19,800 --> 00:16:25,880 Speaker 3: in my chicken? Yeah? Jess, the deals sorry, I'm not 363 00:16:25,960 --> 00:16:28,640 Speaker 3: going to give them any more airtime on this podcast. 364 00:16:29,120 --> 00:16:32,560 Speaker 3: Call me McDonald's. We can do some deals. Yeah, but 365 00:16:32,680 --> 00:16:35,120 Speaker 3: as a fan of your app, Okay, you've really convinced me. 366 00:16:35,120 --> 00:16:37,520 Speaker 3: Because I was the same. I was like, it's no way. Sorry. 367 00:16:37,560 --> 00:16:39,440 Speaker 3: I think it was like seventeen ninety five. The other day, 368 00:16:39,520 --> 00:16:41,200 Speaker 3: my sister and I go through drive three. She's the 369 00:16:41,240 --> 00:16:43,400 Speaker 3: one that convoided me. She was like, vitera, you've got 370 00:16:43,480 --> 00:16:45,280 Speaker 3: to get on this. And like, if my sister says something, 371 00:16:45,360 --> 00:16:48,480 Speaker 3: she's like the cooler version of me. Like I still 372 00:16:48,480 --> 00:16:52,960 Speaker 3: said I should do it. Seventeen dollars, large chips, large coke, 373 00:16:53,480 --> 00:16:57,360 Speaker 3: three burgers, what oh wow, I don't know why. I 374 00:16:57,440 --> 00:17:00,480 Speaker 3: don't know why, but we'll take it. And then we 375 00:17:00,520 --> 00:17:05,520 Speaker 3: shared our chips and our cocaine had one point fives each. Anyway, 376 00:17:05,800 --> 00:17:09,640 Speaker 3: moving on from that, that is literally so good, Miss 377 00:17:09,720 --> 00:17:13,040 Speaker 3: Beck sayeed, Yes, some of our broke tips are the 378 00:17:13,080 --> 00:17:15,440 Speaker 3: catalyst for good money wins. And with that said, it 379 00:17:15,560 --> 00:17:17,639 Speaker 3: is time for you to share your best broke tips 380 00:17:17,720 --> 00:17:19,040 Speaker 3: of the week, of course. 381 00:17:19,160 --> 00:17:21,680 Speaker 5: So this first one comes from Okay, yes, I see 382 00:17:21,720 --> 00:17:24,000 Speaker 5: what you mean now about these nickname things. So this 383 00:17:24,080 --> 00:17:29,920 Speaker 5: one comes from enthusiastic arugular eight six' five two gorgeous. Name, 384 00:17:30,040 --> 00:17:32,520 Speaker 5: Nah i've Been i'm. 385 00:17:32,600 --> 00:17:33,960 Speaker 4: SORRY i know HOW i feel about. 386 00:17:34,000 --> 00:17:37,320 Speaker 3: THIS i don't like it at. ALL i, know but 387 00:17:37,480 --> 00:17:40,240 Speaker 3: maybe that is their name for Those it is absolutely. 388 00:17:40,359 --> 00:17:45,280 Speaker 3: Not it is absolutely. Not but also WHY i don't? 389 00:17:45,320 --> 00:17:46,560 Speaker 3: Know and like are they made? 390 00:17:46,600 --> 00:17:49,840 Speaker 4: UP i, wonder like does get automatically generates? Them that's 391 00:17:49,840 --> 00:17:51,840 Speaker 4: why they all kind of follow the same like. Convention 392 00:17:51,960 --> 00:17:54,440 Speaker 4: there's usually like a fruit or vegetable or an. Animal, 393 00:17:54,840 --> 00:17:57,200 Speaker 4: yeah and like a verb Arenown. 394 00:17:57,119 --> 00:17:59,879 Speaker 3: And, also just to be very clear with our, COMMUNITY 395 00:18:00,320 --> 00:18:04,159 Speaker 3: i banned anonymous posts in Our facebook group and a 396 00:18:04,240 --> 00:18:07,159 Speaker 3: lot of people were, like, well that's not, Fair, like you, 397 00:18:07,240 --> 00:18:09,600 Speaker 3: Know i've got friends or family in The facebook group 398 00:18:09,640 --> 00:18:11,320 Speaker 3: AND i don't want to share with. Them, OKAY i 399 00:18:11,440 --> 00:18:14,639 Speaker 3: fully get, that but more often than, not when it 400 00:18:14,760 --> 00:18:18,840 Speaker 3: came to anonymous comments and anonymous, questions they were anonymous 401 00:18:18,840 --> 00:18:20,879 Speaker 3: because they were incredibly, specific and you were, like, WELL 402 00:18:20,920 --> 00:18:22,399 Speaker 3: i don't want to put my name to. It but 403 00:18:22,560 --> 00:18:25,800 Speaker 3: if that's the question and it is too, specific that 404 00:18:26,280 --> 00:18:29,280 Speaker 3: then borders on us giving financial advice and breaching our 405 00:18:29,320 --> 00:18:33,200 Speaker 3: financial services. License but then on the other flip, SIDE 406 00:18:34,160 --> 00:18:36,640 Speaker 3: i have built this CAN i am very staunch about, 407 00:18:36,680 --> 00:18:38,600 Speaker 3: this and JUST i know you are. Too we have 408 00:18:38,720 --> 00:18:43,120 Speaker 3: built this community as a. Community we support each. Other 409 00:18:43,520 --> 00:18:46,159 Speaker 3: we do not do that. Anonymously, like if you've got 410 00:18:46,200 --> 00:18:48,400 Speaker 3: something to say in our, community say it with your full. 411 00:18:48,520 --> 00:18:51,840 Speaker 3: Chest if you're going to congratulate somebody on their money 412 00:18:51,920 --> 00:18:54,440 Speaker 3: in or their, confession say it with your. Name that is. 413 00:18:54,520 --> 00:18:59,240 Speaker 3: Incredible if you need to use an anonymous, profile why? 414 00:18:59,720 --> 00:19:02,000 Speaker 3: Yeah is it because you're saying something not so? Kind 415 00:19:02,080 --> 00:19:05,080 Speaker 3: And i'm seeing so many unkind comments pop. Up now 416 00:19:05,160 --> 00:19:08,000 Speaker 3: that you guys can control the narrative of being, Anonymous 417 00:19:08,680 --> 00:19:12,840 Speaker 3: i'm just a deleting. Queen i'll delete you fairly, Stuff 418 00:19:13,040 --> 00:19:16,400 Speaker 3: i'll block. Stuff, also as the admin of this, GROUP 419 00:19:16,600 --> 00:19:19,960 Speaker 3: i can SEE i can oh, yeah, oh just to 420 00:19:20,040 --> 00:19:23,440 Speaker 3: be very. Clear like if you think going anonymous means 421 00:19:23,480 --> 00:19:26,040 Speaker 3: it hides from, everyone it does except for the admins 422 00:19:26,080 --> 00:19:29,680 Speaker 3: of that. Group, wow, OKAY i see. YOU i see. 423 00:19:29,720 --> 00:19:31,919 Speaker 3: That that's not very. KIND i just blocked and deleted 424 00:19:31,960 --> 00:19:36,280 Speaker 3: you from our. Community that sounds really. Harsh but you're not. 425 00:19:36,400 --> 00:19:40,280 Speaker 3: Kind you're not. Welcome, sorry fair, enough absolutely, sorry sorry bye. 426 00:19:40,400 --> 00:19:44,120 Speaker 3: Anyway broke tip from an Anonymous arugula. 427 00:19:43,880 --> 00:19:48,439 Speaker 5: ANONYMOUS a, regular so ANONYMOUS i regular, Says i've been 428 00:19:48,520 --> 00:19:50,560 Speaker 5: using my credits At coles And woolies for the free. 429 00:19:50,800 --> 00:19:53,439 Speaker 5: COOKWARE i don't need the, cookware so Instead i've been 430 00:19:53,560 --> 00:19:55,720 Speaker 5: enlisting them On. Marketplace i've done this three, times and 431 00:19:55,760 --> 00:19:58,080 Speaker 5: each Time i've had over ten people contact me within 432 00:19:58,160 --> 00:20:02,040 Speaker 5: an hour sold three pins and fry pan at thirty dollars. 433 00:20:02,160 --> 00:20:03,719 Speaker 5: EACH i don't know you could do. That you can 434 00:20:03,800 --> 00:20:06,760 Speaker 5: use credits At coals And woolies for free cookwear money, 435 00:20:06,800 --> 00:20:08,880 Speaker 5: win which is also great if you just like are 436 00:20:09,000 --> 00:20:12,000 Speaker 5: literally like me and haven't purchased a new fry pan 437 00:20:12,080 --> 00:20:13,959 Speaker 5: a long, time, like the cookwear will come in very. 438 00:20:14,000 --> 00:20:17,359 Speaker 3: Handy THAT'S i think five pans. Amits i'm gonna. 439 00:20:18,200 --> 00:20:18,720 Speaker 4: PODCASTS i. 440 00:20:18,840 --> 00:20:22,600 Speaker 3: Can't we can talk about this offt line because my 441 00:20:22,720 --> 00:20:26,960 Speaker 3: current non stick fry pans are very. Stick yes and. 442 00:20:27,359 --> 00:20:29,520 Speaker 3: Gone i've seen my fry. Pants i'm not going to 443 00:20:29,560 --> 00:20:31,639 Speaker 3: say the branch because they'll be pretty annoyed at. ME 444 00:20:32,200 --> 00:20:34,240 Speaker 3: i paid full price for, them but, like, No i'm 445 00:20:34,240 --> 00:20:35,520 Speaker 3: not going to throw them under a. Bus but they 446 00:20:35,520 --> 00:20:37,919 Speaker 3: are very expensive. HANDS i keep buying pants and they 447 00:20:38,040 --> 00:20:41,200 Speaker 3: keep not. PANTING i, Know I'M i don't understand the. 448 00:20:41,359 --> 00:20:42,880 Speaker 3: Best i've used all of. THEM i use the ones 449 00:20:42,880 --> 00:20:44,919 Speaker 3: where you have to season. Them you can't wash. Them 450 00:20:44,960 --> 00:20:45,320 Speaker 3: it's a whole. 451 00:20:45,359 --> 00:20:47,200 Speaker 5: Thing but the best fry pans are the seven dollar 452 00:20:47,240 --> 00:20:48,919 Speaker 5: ones From kmart and they always will be and they 453 00:20:48,960 --> 00:20:49,280 Speaker 5: always have. 454 00:20:49,359 --> 00:20:52,080 Speaker 3: Been, really they are so. Good i'm gonna have to 455 00:20:52,119 --> 00:20:54,600 Speaker 3: become a convert Because i'm able to dry fry pan 456 00:20:54,680 --> 00:20:58,040 Speaker 3: through my back window right, now trust. Me and you 457 00:20:58,080 --> 00:20:59,439 Speaker 3: can't even go. Wrong you, know some of, Them you've 458 00:20:59,440 --> 00:21:00,879 Speaker 3: got to heat them up to a certain. Level you 459 00:21:00,960 --> 00:21:04,400 Speaker 3: gotta make sure That i've bought the expensive ceramic non 460 00:21:04,560 --> 00:21:07,440 Speaker 3: stick ones BECAUSE i was trying to be. Healthy why you? Stick? 461 00:21:08,000 --> 00:21:10,440 Speaker 3: Yeah why DID i use half a cup of? Oil 462 00:21:10,600 --> 00:21:12,560 Speaker 3: you still? Stick there's my question of the. 463 00:21:12,600 --> 00:21:14,760 Speaker 4: Week if you've owned your fry pants for at least a, 464 00:21:14,880 --> 00:21:16,560 Speaker 4: year BECAUSE i feel like they have a period where 465 00:21:16,560 --> 00:21:18,000 Speaker 4: they're good and then they just go to. 466 00:21:18,080 --> 00:21:20,040 Speaker 3: Happen, no, queen that's. EXPENSIVE i do not want to 467 00:21:20,080 --> 00:21:22,120 Speaker 3: be buying them every. Year if you've had your fry 468 00:21:22,200 --> 00:21:24,040 Speaker 3: pans for at least three, years they're still, good you 469 00:21:24,200 --> 00:21:25,520 Speaker 3: really rate. Them slide into OUR. 470 00:21:25,600 --> 00:21:27,960 Speaker 4: Dms, yeah pop it in The spotify comments, please BECAUSE 471 00:21:27,960 --> 00:21:28,800 Speaker 4: i need a recommendation. 472 00:21:28,800 --> 00:21:30,760 Speaker 3: Anyway the chase the came on ones are telling YOU 473 00:21:30,880 --> 00:21:34,439 Speaker 3: i might try the freebies for. Goals that's. True if it's, 474 00:21:34,480 --> 00:21:36,280 Speaker 3: free does it matter if it becomes nonstick? 475 00:21:36,720 --> 00:21:39,680 Speaker 5: Totally the sex one comes From kelly who, says just 476 00:21:39,720 --> 00:21:41,840 Speaker 5: a reminder that you can convert Your telstra points to 477 00:21:41,880 --> 00:21:44,159 Speaker 5: woolas gift. Cards did mine this week and got one 478 00:21:44,240 --> 00:21:46,320 Speaker 5: hundred and seventy dollars in gift cards for our. 479 00:21:46,480 --> 00:21:48,200 Speaker 3: GROCERIES i did not. 480 00:21:48,440 --> 00:21:49,280 Speaker 4: Know, yes that's so. 481 00:21:49,400 --> 00:21:51,040 Speaker 5: GOOD i don't even know What telstra points, are But 482 00:21:51,119 --> 00:21:53,719 Speaker 5: i'm assuming if you have a telstraphone or A Telstra 483 00:21:53,800 --> 00:21:57,080 Speaker 5: internet when you know what they, are and so hopefully 484 00:21:57,160 --> 00:21:57,840 Speaker 5: that's helpful for you. 485 00:21:58,200 --> 00:21:59,360 Speaker 3: Exactly and what's your broke? 486 00:21:59,440 --> 00:22:01,080 Speaker 5: Tip my, friend there is this couple that went to 487 00:22:01,200 --> 00:22:05,040 Speaker 5: a public library to book their, flights and they, said 488 00:22:05,040 --> 00:22:08,600 Speaker 5: it's like it works out. Cheaper and then someone stitched 489 00:22:08,720 --> 00:22:10,920 Speaker 5: that video and, said, HEY i tried, it it, works 490 00:22:11,000 --> 00:22:12,000 Speaker 5: so it must. 491 00:22:11,840 --> 00:22:14,080 Speaker 3: Be somebody like THE i, know you know when you 492 00:22:14,200 --> 00:22:17,480 Speaker 3: like log in and you like try, yes and so like. 493 00:22:17,520 --> 00:22:19,159 Speaker 5: When you like try and find flights on your own 494 00:22:19,200 --> 00:22:20,800 Speaker 5: laptop and then you go back to try and find them, 495 00:22:20,800 --> 00:22:21,560 Speaker 5: again they're like more. 496 00:22:21,600 --> 00:22:22,639 Speaker 3: Expensive but if you go. 497 00:22:22,640 --> 00:22:25,240 Speaker 5: To a public, library apparently it's just LIKE i don't 498 00:22:25,240 --> 00:22:26,480 Speaker 5: know if it's like the cheapest you can, find but 499 00:22:26,520 --> 00:22:28,440 Speaker 5: it's like very very, cheap or it's like at least 500 00:22:28,560 --> 00:22:29,280 Speaker 5: very reasonably. 501 00:22:29,440 --> 00:22:32,560 Speaker 3: Priced so definitely try. That if you're not having luck 502 00:22:32,600 --> 00:22:35,040 Speaker 3: on your own, laptop go to a public library and do. 503 00:22:35,119 --> 00:22:35,840 Speaker 2: IT i love. 504 00:22:35,880 --> 00:22:39,439 Speaker 3: IT i literally only use LIKE i only book flights 505 00:22:39,520 --> 00:22:42,960 Speaker 3: in incognito mode on my life. Totally, anyway that's pretty, 506 00:22:43,000 --> 00:22:45,000 Speaker 3: Exciting AND i just don't know how you discovered, That 507 00:22:45,400 --> 00:22:48,080 Speaker 3: like how someone was, like, oh the flights are expensive at, 508 00:22:48,080 --> 00:22:50,520 Speaker 3: Home i'm gonna go see they're cheaper at the. LIBRARY i, know. 509 00:22:50,720 --> 00:22:52,879 Speaker 3: Totally i'm sure that would have been an. Accident and 510 00:22:52,960 --> 00:22:55,360 Speaker 3: sometimes we do find the best broke tips by. Accident 511 00:22:56,160 --> 00:22:58,880 Speaker 3: after the, break we will be discussing a money dilemma about, 512 00:22:58,920 --> 00:23:02,520 Speaker 3: shares specifically shares that have landed writing your, lap so 513 00:23:02,640 --> 00:23:09,159 Speaker 3: guys don't go. Anywhere welcome, back. Everybody let's take a 514 00:23:09,240 --> 00:23:13,800 Speaker 3: listen to this week's money. Dilemma, hi, there have you 515 00:23:13,880 --> 00:23:16,440 Speaker 3: got a money dilemma you just can't. Solve The she's 516 00:23:16,480 --> 00:23:17,800 Speaker 3: on The money team is here to. 517 00:23:17,880 --> 00:23:21,080 Speaker 6: Help every week we tackle your, dilemmas both big and, 518 00:23:21,200 --> 00:23:24,040 Speaker 6: small to answer your most burning, money career and life. 519 00:23:24,119 --> 00:23:27,080 Speaker 6: Questions to get, involved simply head to our website and 520 00:23:27,200 --> 00:23:29,280 Speaker 6: leave us a short voice recording and you might just 521 00:23:29,359 --> 00:23:32,040 Speaker 6: find yourself on the. Show, now let's take a listen 522 00:23:32,119 --> 00:23:36,680 Speaker 6: to this week's money. Dilemma, Hi she's on The. 523 00:23:36,760 --> 00:23:41,760 Speaker 2: Money i've got a question regarding. SHARES i was gifted 524 00:23:42,240 --> 00:23:44,600 Speaker 2: some shares WHEN i turned, eighteen WHICH i thought were. 525 00:23:44,720 --> 00:23:49,720 Speaker 2: ETFs that turns out that they are ric's or listed 526 00:23:49,760 --> 00:23:54,159 Speaker 2: investment company shares In. Argo the condition of getting them 527 00:23:54,200 --> 00:23:55,680 Speaker 2: as a gift is THAT i can't sell, them and 528 00:23:55,720 --> 00:23:58,520 Speaker 2: they're currently seeing it about forty thousand, dollars which is pretty. 529 00:23:58,520 --> 00:24:01,160 Speaker 2: Good but just want to want to doferences and SHOULD 530 00:24:01,200 --> 00:24:03,760 Speaker 2: i actually be continuing to put money into this or 531 00:24:03,800 --> 00:24:06,320 Speaker 2: SHOULD i be focusing on? ETFs is there a big 532 00:24:06,359 --> 00:24:08,600 Speaker 2: difference in the Money i'm going to make thank. 533 00:24:08,680 --> 00:24:10,840 Speaker 3: You i'm going to, SAY i don't really. Know, NO 534 00:24:11,160 --> 00:24:13,159 Speaker 3: i don't know the answer to this, one AND i 535 00:24:13,440 --> 00:24:19,639 Speaker 3: just pass that one right across to what about? BECK i, 536 00:24:19,720 --> 00:24:22,879 Speaker 3: mean if you like, IT i CAN fa do you? 537 00:24:23,000 --> 00:24:27,160 Speaker 3: INSTEAD i do, Know So i'm very happy to take 538 00:24:27,280 --> 00:24:29,879 Speaker 3: one for the. Team you know. What it is so 539 00:24:30,040 --> 00:24:33,480 Speaker 3: nice to still be wanted and, needed and sometimes you 540 00:24:33,560 --> 00:24:35,399 Speaker 3: guys answer the questions so well That i'm, LIKE i 541 00:24:35,480 --> 00:24:39,320 Speaker 3: Guess i'll see myself. Out so a listed investment company 542 00:24:40,000 --> 00:24:43,600 Speaker 3: versus an exchange traded fund basically boils down to a 543 00:24:43,720 --> 00:24:49,120 Speaker 3: choice between active, management which is usually focused on creating 544 00:24:49,160 --> 00:24:53,480 Speaker 3: a reliable, income and then passive management that is focused 545 00:24:53,520 --> 00:24:56,159 Speaker 3: on tracking the market at a low, cost which is AN. 546 00:24:56,240 --> 00:24:59,760 Speaker 3: Etf so that's an active and passive as OF i 547 00:24:59,840 --> 00:25:05,040 Speaker 3: gues this year that INVESTMENT rgo is one of you would, 548 00:25:05,040 --> 00:25:10,600 Speaker 3: Say australia's largest, LICs which actually has about eight billion 549 00:25:10,680 --> 00:25:13,720 Speaker 3: dollars in, it which is not something THAT i don't. 550 00:25:13,720 --> 00:25:15,320 Speaker 3: Know if you've never heard of, it you might be, like, oh, 551 00:25:15,480 --> 00:25:17,880 Speaker 3: Risky OH i don't, Know LIKE i don't know What argo. 552 00:25:18,200 --> 00:25:21,359 Speaker 3: Like it's pretty damn, big so it's not a risky. 553 00:25:21,440 --> 00:25:24,240 Speaker 3: Investment and have forty thousand dollars in, IT ah snaps for. 554 00:25:24,280 --> 00:25:24,840 Speaker 2: You that's. 555 00:25:24,960 --> 00:25:29,280 Speaker 3: Incredible but when it comes down TO i guess rgo 556 00:25:29,560 --> 00:25:31,359 Speaker 3: and not being able to sell. It they are a 557 00:25:31,560 --> 00:25:35,480 Speaker 3: closed end, company so unlike AN etf that you can just, 558 00:25:35,640 --> 00:25:38,720 Speaker 3: like which is open, ended you can just jump on 559 00:25:39,160 --> 00:25:42,560 Speaker 3: tracks the, market you, know sell it. Tomorrow this means 560 00:25:42,680 --> 00:25:46,160 Speaker 3: That argo has a fixed number of shares which does 561 00:25:46,240 --> 00:25:48,600 Speaker 3: trade on THE asx like any other, stock but the 562 00:25:48,680 --> 00:25:51,480 Speaker 3: share price can trade at a, discount so it's cheaper 563 00:25:51,640 --> 00:25:54,680 Speaker 3: or a premium which is more expensive to its tangible, 564 00:25:54,840 --> 00:25:58,720 Speaker 3: assets which is AN nta of its actual. Value so 565 00:25:59,240 --> 00:26:02,640 Speaker 3: it's different management. Style i'm interested as to why you're 566 00:26:02,720 --> 00:26:05,680 Speaker 3: not allowed to sell, it if that makes. Sense like 567 00:26:05,760 --> 00:26:09,480 Speaker 3: they've got a pretty good like active management, fee so 568 00:26:09,800 --> 00:26:14,399 Speaker 3: ON rg you're looking at maybe point one four, percent 569 00:26:15,080 --> 00:26:18,879 Speaker 3: whereas A etf is maybe point one zero, Percent so 570 00:26:19,040 --> 00:26:23,000 Speaker 3: like not that much of a, Difference but why can't 571 00:26:23,040 --> 00:26:23,360 Speaker 3: you sell? 572 00:26:23,400 --> 00:26:25,280 Speaker 4: It like could it be a condition Of like if 573 00:26:25,280 --> 00:26:29,000 Speaker 4: it was an, inheritance could it be you inherit, This, well. 574 00:26:28,920 --> 00:26:30,639 Speaker 3: Let's go with, that because it might be, like, A 575 00:26:30,840 --> 00:26:32,960 Speaker 3: i can't sell it because of, this but the tax 576 00:26:33,000 --> 00:26:37,399 Speaker 3: implications on those assets are the. Same, like you, know 577 00:26:37,760 --> 00:26:40,160 Speaker 3: if you've held that asset for more than twelve, months 578 00:26:40,200 --> 00:26:43,200 Speaker 3: you'll get YOUR cgt fifty percent discount as of right. 579 00:26:43,320 --> 00:26:46,160 Speaker 3: Now that might change in a, year but in saying, 580 00:26:46,200 --> 00:26:48,840 Speaker 3: that it's important to know that those changes won't affect 581 00:26:48,880 --> 00:26:52,640 Speaker 3: your existing. Portfolio they'll be called. Grandfathered so you might 582 00:26:52,680 --> 00:26:56,720 Speaker 3: have heard this term flying, around but grandfather ing basically, means, Hey, 583 00:26:56,800 --> 00:26:59,679 Speaker 3: beck if you owned this asset today and you want 584 00:26:59,720 --> 00:27:02,640 Speaker 3: to sell it, tomorrow but you change the rules, tomorrow 585 00:27:02,840 --> 00:27:04,640 Speaker 3: you still get to use the old rules because we're 586 00:27:04,640 --> 00:27:06,600 Speaker 3: not going to like pull the rug out from underneath. 587 00:27:06,680 --> 00:27:09,240 Speaker 3: You but if you want to go and purchase a 588 00:27:09,320 --> 00:27:12,119 Speaker 3: new asset next week and the rules have, changed you 589 00:27:12,200 --> 00:27:14,639 Speaker 3: have to abide by the new. Rules, yeah and you, go, 590 00:27:14,880 --> 00:27:18,879 Speaker 3: okay no. Worries so the rules should be the same on. 591 00:27:19,160 --> 00:27:21,520 Speaker 3: Both but if you're, saying, oh DO i keep investing 592 00:27:21,600 --> 00:27:25,120 Speaker 3: into this, asset, well that's a purely personal, question right 593 00:27:25,280 --> 00:27:29,280 Speaker 3: because it's not an issue of whether you have ETFs 594 00:27:29,400 --> 00:27:32,680 Speaker 3: or this managed. Portfolio it's more, like does it align 595 00:27:32,720 --> 00:27:34,639 Speaker 3: to your? Goals does it align to your? Values did 596 00:27:34,680 --> 00:27:37,840 Speaker 3: you want to diversify further and have more? ETFs, also 597 00:27:37,880 --> 00:27:41,159 Speaker 3: if you're going to keep, investing the rules might change 598 00:27:41,440 --> 00:27:43,760 Speaker 3: later down the, track but it will only change for 599 00:27:43,880 --> 00:27:47,040 Speaker 3: the assets that you purchase after that. Date so for, 600 00:27:47,160 --> 00:27:50,840 Speaker 3: me a little from COLUMN, a a little from COLUMN. 601 00:27:50,920 --> 00:27:54,840 Speaker 3: B they're both genuine assets that people invest in on 602 00:27:55,119 --> 00:27:56,399 Speaker 3: THE asx. 603 00:27:56,320 --> 00:27:58,080 Speaker 4: Is AN L i see the same as AN etf 604 00:27:58,200 --> 00:28:00,959 Speaker 4: in that it invests in many. Things, yes it can 605 00:28:01,080 --> 00:28:05,040 Speaker 4: be SO rg. Investments they then pick a lot. More 606 00:28:05,400 --> 00:28:08,119 Speaker 4: their liquidity is, high which is Why i'm kind of 607 00:28:08,720 --> 00:28:11,200 Speaker 4: confused about her SAYING i can't sell. Them maybe it's 608 00:28:11,240 --> 00:28:13,119 Speaker 4: just because it was purchased by somebody else and it 609 00:28:13,200 --> 00:28:15,040 Speaker 4: was a gift and you obviously wouldn't sell a gift 610 00:28:15,119 --> 00:28:15,639 Speaker 4: and get rid of. 611 00:28:15,720 --> 00:28:18,960 Speaker 3: It but, yes they are very similar in that. Aspect 612 00:28:19,040 --> 00:28:22,720 Speaker 3: it's just very active. Management like it's a listed company 613 00:28:23,160 --> 00:28:25,960 Speaker 3: and you know you get fully franked income from it 614 00:28:26,200 --> 00:28:30,640 Speaker 3: above higher capital. Growth so, wait can she just never sell? 615 00:28:30,680 --> 00:28:33,320 Speaker 3: It we don't, Know, well we don't. Know like IF, 616 00:28:33,440 --> 00:28:35,879 Speaker 3: i LIKE i could go and purchase our go, today 617 00:28:36,080 --> 00:28:37,800 Speaker 3: LIKE i could jump on my phone open my shares 618 00:28:37,840 --> 00:28:39,720 Speaker 3: exap and purchase SOME rgo and that would be. Good 619 00:28:39,760 --> 00:28:43,000 Speaker 3: but that's AN, lic not AN. Etf it's just a different. 620 00:28:43,160 --> 00:28:45,640 Speaker 3: Asset it's like How jess could go and buy a 621 00:28:45,760 --> 00:28:48,600 Speaker 3: direct share or AN etf should purchase it any exactly 622 00:28:48,720 --> 00:28:52,040 Speaker 3: the same. Way same with ariits so real estate investment, 623 00:28:52,120 --> 00:28:54,200 Speaker 3: trusts like you could go and buy one of those 624 00:28:54,240 --> 00:28:56,360 Speaker 3: on THE, asex or you could buy a. Bond there 625 00:28:56,400 --> 00:28:58,480 Speaker 3: are lots of different things that are for sale on THE. 626 00:28:58,560 --> 00:29:00,760 Speaker 3: Asex they're not all made the, same they're not all, 627 00:29:00,880 --> 00:29:03,440 Speaker 3: equal but they trade the. Same so that's Why i'm 628 00:29:03,440 --> 00:29:05,880 Speaker 3: a bit confused about her inability to dispose of that. 629 00:29:06,000 --> 00:29:08,040 Speaker 3: Asset got you got you got to sho. 630 00:29:07,960 --> 00:29:11,280 Speaker 4: Get into THIS speachducdm, though, absolutely AND i might do 631 00:29:11,480 --> 00:29:12,240 Speaker 4: some more research on. 632 00:29:12,400 --> 00:29:14,800 Speaker 3: Argo from a personal, Perspective i'm, like why have you got? 633 00:29:14,840 --> 00:29:15,640 Speaker 3: That SHOULD i have? 634 00:29:15,800 --> 00:29:15,840 Speaker 4: That? 635 00:29:16,160 --> 00:29:18,720 Speaker 3: YEAH i feel that way every time someone mentioned SOMETHING 636 00:29:18,760 --> 00:29:21,040 Speaker 3: i don't. Own, anyway we are going to look into my. 637 00:29:21,160 --> 00:29:24,400 Speaker 3: Dms every week we unpack a dilemma from OUR, dms 638 00:29:24,400 --> 00:29:26,400 Speaker 3: and this one describes being caught between a rock and 639 00:29:26,400 --> 00:29:29,520 Speaker 3: a hard. Place, hi she's on the. MONEY i have 640 00:29:29,720 --> 00:29:33,000 Speaker 3: a community. QUESTION i currently am in a really well 641 00:29:33,040 --> 00:29:36,120 Speaker 3: paying mining, job which has changed my money story and 642 00:29:36,240 --> 00:29:39,360 Speaker 3: helped me get out of debt and start. Investing, however 643 00:29:40,000 --> 00:29:41,959 Speaker 3: it was never meant to be a permanent, fix AS 644 00:29:42,000 --> 00:29:43,760 Speaker 3: i have a unique degree THAT i want to. Follow 645 00:29:44,000 --> 00:29:46,720 Speaker 3: my mind is closing in two, years and my original 646 00:29:46,840 --> 00:29:48,960 Speaker 3: plan was to stay until it closed and then follow 647 00:29:49,000 --> 00:29:51,280 Speaker 3: my dream. Career but LATELY i have found the site 648 00:29:51,440 --> 00:29:54,440 Speaker 3: is literally sucking the life out of. ME i find 649 00:29:54,480 --> 00:29:57,080 Speaker 3: myself mentally and physically. Drained after a week of, Work 650 00:29:57,120 --> 00:29:59,160 Speaker 3: i'm calling and, Sick i'm crying in the, bathrooms AND 651 00:29:59,240 --> 00:30:02,000 Speaker 3: i genuinely just dread going to. WORK i really want to. 652 00:30:02,080 --> 00:30:04,880 Speaker 3: Leave my, issue, though is IF i dip out of 653 00:30:04,960 --> 00:30:08,720 Speaker 3: my plans, Early i'm quite literally missing out on three 654 00:30:08,920 --> 00:30:12,480 Speaker 3: hundred thousand dollars plus over a two year, period not 655 00:30:12,680 --> 00:30:15,640 Speaker 3: including WHAT i get from my, investments my bank, interest my, 656 00:30:15,680 --> 00:30:19,480 Speaker 3: superannuation which in today's financial climate seems very risky and 657 00:30:19,520 --> 00:30:22,160 Speaker 3: scarce the living daylights out of. Me my question is 658 00:30:22,560 --> 00:30:25,400 Speaker 3: what would most people do dip out of my financial 659 00:30:25,480 --> 00:30:27,760 Speaker 3: plan early and lose that amount of money or tolerate 660 00:30:28,040 --> 00:30:30,800 Speaker 3: for the long term. Gain what would you guys? 661 00:30:30,880 --> 00:30:34,880 Speaker 5: DO i am curious about the three hundred thousand, Dollars, 662 00:30:35,240 --> 00:30:36,560 Speaker 5: like are they taking. 663 00:30:36,400 --> 00:30:40,080 Speaker 3: Like in salary earning one hundred and fifty grand a? 664 00:30:40,200 --> 00:30:45,080 Speaker 5: Year okay in that case of, coursely BUT i, KNOW 665 00:30:45,280 --> 00:30:47,280 Speaker 5: i understand it feels like a huge amount of. Money 666 00:30:47,360 --> 00:30:51,120 Speaker 5: But i'm, like also with that kind of salary and 667 00:30:51,400 --> 00:30:53,520 Speaker 5: maybe with the experience you've, gained like do you have 668 00:30:53,680 --> 00:30:56,480 Speaker 5: to stay? There like can you look for a similar, 669 00:30:56,560 --> 00:30:59,120 Speaker 5: job but just like with a completely different team travels 670 00:30:59,120 --> 00:31:00,840 Speaker 5: somewhere else in austra you know WHAT i. MEAN i 671 00:31:00,880 --> 00:31:05,200 Speaker 5: feel like that your main priority should be to definitely look, 672 00:31:05,320 --> 00:31:08,360 Speaker 5: elsewhere BECAUSE i totally not feeling like crying in the 673 00:31:08,400 --> 00:31:10,440 Speaker 5: bathrooms you like seek to your. Stomach you don't want 674 00:31:10,440 --> 00:31:12,520 Speaker 5: to go like you don't want to like sacrifice your 675 00:31:12,520 --> 00:31:15,200 Speaker 5: mental health because it also feels like right now it's you, 676 00:31:15,240 --> 00:31:19,040 Speaker 5: Know i'll Eventually i'll be, fine but that long term negative, 677 00:31:19,080 --> 00:31:20,960 Speaker 5: effect like it doesn't just feel, like, Oh i'm just 678 00:31:21,040 --> 00:31:23,320 Speaker 5: gonna be anxious UNTIL i. Finish it's like that will 679 00:31:23,320 --> 00:31:25,280 Speaker 5: bleed into like every part of your life and you 680 00:31:25,400 --> 00:31:28,160 Speaker 5: might like not even realize it right, now but you'll 681 00:31:28,200 --> 00:31:30,960 Speaker 5: be maybe isolating. Yourself maybe you will come back to 682 00:31:31,160 --> 00:31:33,440 Speaker 5: feeling better one. Day and then be like where doll 683 00:31:33,520 --> 00:31:36,120 Speaker 5: my friends. Go all these things will just bleed into other. 684 00:31:36,200 --> 00:31:38,680 Speaker 5: THINGS i think that your mental health is always number, one, 685 00:31:38,880 --> 00:31:42,240 Speaker 5: Always so try and find a job that's WITHIN i, 686 00:31:42,320 --> 00:31:44,960 Speaker 5: guess like maybe the same, sector but just a different 687 00:31:45,000 --> 00:31:47,520 Speaker 5: team or. Something even if it's like a pay, cut 688 00:31:47,560 --> 00:31:50,240 Speaker 5: it really doesn't. Matter if it's like you're working and 689 00:31:50,600 --> 00:31:51,760 Speaker 5: there's a big bonus. 690 00:31:51,480 --> 00:31:53,680 Speaker 3: Of three hundred thousand, dollars maybe that would change my. 691 00:31:53,720 --> 00:31:56,080 Speaker 3: Answer but if it just if it's, salary you can 692 00:31:56,160 --> 00:31:59,520 Speaker 3: find that or even something within, that even if it's ninety. 693 00:31:59,600 --> 00:32:02,880 Speaker 4: K i'm interpreting her message. Though she said that she 694 00:32:03,400 --> 00:32:05,360 Speaker 4: could leave and she would take a pay, cut and 695 00:32:05,480 --> 00:32:08,040 Speaker 4: that pay cut would. Result so my understanding of her 696 00:32:08,120 --> 00:32:12,080 Speaker 4: message is that in taking a new, job she's sacrificing 697 00:32:12,280 --> 00:32:15,800 Speaker 4: three hundred thousand dollars of ad. Dish, yeah not she 698 00:32:15,920 --> 00:32:17,160 Speaker 4: earns one hundred and fifty grand a. 699 00:32:17,240 --> 00:32:20,120 Speaker 3: YAR i, see that's JUST i thought that was. Good 700 00:32:20,480 --> 00:32:21,720 Speaker 3: she's better. 701 00:32:21,880 --> 00:32:24,560 Speaker 4: Wicked well, yeah but that's just how based on what she, 702 00:32:24,680 --> 00:32:27,880 Speaker 4: said my assumption even, then, yeah. 703 00:32:28,400 --> 00:32:30,880 Speaker 5: Even THEN i THINK i, would, YEAH i would bounce for, 704 00:32:30,960 --> 00:32:33,320 Speaker 5: sure because it's just it's, like what is. Money it's 705 00:32:33,320 --> 00:32:35,680 Speaker 5: a man made. Thing your mental health is the most. 706 00:32:35,720 --> 00:32:36,960 Speaker 3: IMPORTANT i. 707 00:32:37,080 --> 00:32:40,040 Speaker 4: AGREE i think that's the correct, Answer like it's the 708 00:32:40,120 --> 00:32:43,040 Speaker 4: ANSWER i. LIKE i think you've got to prioritize your mental, 709 00:32:43,120 --> 00:32:45,200 Speaker 4: health AND i agree with everything that you. Said if 710 00:32:45,240 --> 00:32:48,720 Speaker 4: you're asking WHAT i personally would, DO i Fear i'm 711 00:32:48,760 --> 00:32:51,800 Speaker 4: sticking it. Out like to be completely, HONEST i Think 712 00:32:52,880 --> 00:32:55,520 Speaker 4: i'm someone who's quite good at, compartmentalizing AND i think as, 713 00:32:55,560 --> 00:32:59,320 Speaker 4: well that's. TERRIFYING i THINK i look at it as 714 00:32:59,360 --> 00:33:01,200 Speaker 4: short term, pain long term, Gain LIKE i talk about 715 00:33:01,240 --> 00:33:03,440 Speaker 4: that right, Now Like i'm working two jobs And i'm 716 00:33:03,480 --> 00:33:05,920 Speaker 4: working more THAN i need to for, sure and it's 717 00:33:06,000 --> 00:33:10,360 Speaker 4: definitely stretching me out kind of quite a. Bit But 718 00:33:10,560 --> 00:33:13,239 Speaker 4: i'm going same as our, LISTENER i have an. End 719 00:33:13,480 --> 00:33:15,520 Speaker 4: i'm doing it through till when my house build is, 720 00:33:15,600 --> 00:33:18,320 Speaker 4: done And i'm going short term, paign long term. Gain 721 00:33:18,440 --> 00:33:20,840 Speaker 4: it'll have been about a year by the time it's all, 722 00:33:20,880 --> 00:33:24,720 Speaker 4: done and it's not been the. Easiest but at the same, 723 00:33:24,840 --> 00:33:28,200 Speaker 4: TIME i THINK i am prioritizing that. 724 00:33:28,360 --> 00:33:30,640 Speaker 3: Goal you deeply depressed me. 725 00:33:30,800 --> 00:33:33,200 Speaker 4: As a very Different you, KNOW i have worked jobs 726 00:33:33,240 --> 00:33:36,240 Speaker 4: WHERE i have been pretty, miserable and it would tell, 727 00:33:36,280 --> 00:33:40,760 Speaker 4: me right you, know LIKE covid or something like that 728 00:33:40,960 --> 00:33:43,760 Speaker 4: WHEN i was depressed and it WAS i, mean it's 729 00:33:43,760 --> 00:33:45,320 Speaker 4: a little bit different because it was a very different 730 00:33:45,400 --> 00:33:47,080 Speaker 4: job market and all those sorts of. Things but that's 731 00:33:47,120 --> 00:33:48,880 Speaker 4: just WHO i am as a, person AND i don't 732 00:33:48,920 --> 00:33:50,760 Speaker 4: necessarily condone. That and that's WHY i SAID i don't 733 00:33:50,760 --> 00:33:53,280 Speaker 4: think my answer is the correct. ANSWER i think like 734 00:33:53,520 --> 00:33:56,000 Speaker 4: in an ideal, world everyone absolutely puts their mental health. 735 00:33:56,040 --> 00:33:59,360 Speaker 4: First because you're so, bright it affects. Everything but also, 736 00:33:59,480 --> 00:34:02,240 Speaker 4: like If i'm really, honest there's not a LOT i 737 00:34:02,280 --> 00:34:04,680 Speaker 4: wouldn't do for three hundred GRAND i. 738 00:34:04,760 --> 00:34:06,840 Speaker 3: Mean the way that that could set. 739 00:34:06,920 --> 00:34:07,720 Speaker 4: You what? 740 00:34:07,840 --> 00:34:14,120 Speaker 3: Else like what's the? Bank how DO i get out of? 741 00:34:14,200 --> 00:34:15,840 Speaker 2: This what do you? 742 00:34:15,880 --> 00:34:16,040 Speaker 4: Think? 743 00:34:16,680 --> 00:34:19,400 Speaker 3: Oh you, GUYS i want more. Context not BECAUSE i 744 00:34:19,480 --> 00:34:22,320 Speaker 3: want more, context but like it sounds like you're burning. 745 00:34:22,400 --> 00:34:25,360 Speaker 3: Out it also sounds like you used to love this 746 00:34:25,480 --> 00:34:28,279 Speaker 3: job and now you don't want's? Changed like is there 747 00:34:28,360 --> 00:34:30,359 Speaker 3: somebody at work that's being nasty to? You if you're 748 00:34:30,360 --> 00:34:32,680 Speaker 3: crying in the? Bathrooms my, queen OBVIOUSLY i want you to, 749 00:34:32,840 --> 00:34:35,879 Speaker 3: Leave but like you're, asking like DO i just push? 750 00:34:36,000 --> 00:34:39,160 Speaker 3: Through but like what are we pushing? Through like do 751 00:34:39,280 --> 00:34:41,360 Speaker 3: we need to go talk to, aha like do we 752 00:34:41,440 --> 00:34:44,120 Speaker 3: need to fix something about this role or are you 753 00:34:44,320 --> 00:34:47,279 Speaker 3: genuinely just like burnt out from work and like it's 754 00:34:47,400 --> 00:34:51,080 Speaker 3: overwhelming and all consuming and like that's what's like five verys, 755 00:34:51,160 --> 00:34:53,160 Speaker 3: tough it's very. Demanded, Yeah like do you need to 756 00:34:53,200 --> 00:34:54,799 Speaker 3: take some stress leave or do you need to talk 757 00:34:54,840 --> 00:34:57,400 Speaker 3: to your work about some reduced? Hours like if we 758 00:34:57,560 --> 00:35:01,759 Speaker 3: Take jess's assumption that it's additional three hundred, grand yes 759 00:35:01,840 --> 00:35:05,200 Speaker 3: that's a lot of, money but reduced, hours you'd still 760 00:35:05,200 --> 00:35:07,600 Speaker 3: be earning a lot of. Money so do you want 761 00:35:07,640 --> 00:35:09,680 Speaker 3: to do reduced hours for that period of? Time do 762 00:35:09,719 --> 00:35:11,480 Speaker 3: you know WHAT i? Mean is there some flexibility in? 763 00:35:11,520 --> 00:35:15,200 Speaker 3: This AND i think there's probably two questions. Here is 764 00:35:15,320 --> 00:35:18,960 Speaker 3: this burnout that maybe could improve with some leave and 765 00:35:19,000 --> 00:35:21,360 Speaker 3: showing yourself some. Grace something THAT i feel LIKE i 766 00:35:21,480 --> 00:35:23,400 Speaker 3: have to remind my friends at the moment is that 767 00:35:23,520 --> 00:35:26,640 Speaker 3: your annual leave isn't just for, Holidays like you could 768 00:35:26,680 --> 00:35:29,959 Speaker 3: take a week and rot on your couch and maybe 769 00:35:30,040 --> 00:35:32,560 Speaker 3: that's the best thing that you do for your health 770 00:35:32,600 --> 00:35:35,400 Speaker 3: and your mental health and your. Life so could we 771 00:35:35,880 --> 00:35:39,880 Speaker 3: pull some levers there or has this crossed into this 772 00:35:40,120 --> 00:35:43,279 Speaker 3: is fundamentally costing me? Too much of myself at which 773 00:35:43,320 --> 00:35:46,879 Speaker 3: point we are absolutely opting. OUT H, YEAH i think 774 00:35:46,960 --> 00:35:50,080 Speaker 3: that that's a really big question because more money obviously 775 00:35:50,160 --> 00:35:54,239 Speaker 3: buys more freedom and safety and, options but there's also 776 00:35:54,320 --> 00:35:56,880 Speaker 3: a point where no salary can actually compensate for your 777 00:35:56,960 --> 00:36:01,560 Speaker 3: mental health deteriorating long. Term so, yeah there are a 778 00:36:01,640 --> 00:36:03,640 Speaker 3: lot of questions THAT i, Have and is there any 779 00:36:03,719 --> 00:36:06,400 Speaker 3: type of LIKE eap program at your work that you 780 00:36:06,480 --> 00:36:09,480 Speaker 3: could maybe touch base with and be, like, HEY i am, 781 00:36:09,600 --> 00:36:13,239 Speaker 3: struggling what is going? On and YOUR eap program in 782 00:36:13,320 --> 00:36:15,600 Speaker 3: a mining, COMPANY i can almost guarantee they have, it 783 00:36:16,080 --> 00:36:18,480 Speaker 3: because you're not the only person in mining who's had 784 00:36:18,520 --> 00:36:22,160 Speaker 3: mental health. Issues it should be completely, anonymous like you 785 00:36:22,239 --> 00:36:24,040 Speaker 3: can call, up have a chat with a, therapist have 786 00:36:24,120 --> 00:36:27,879 Speaker 3: a chat with somebody for free to see where you're, 787 00:36:27,880 --> 00:36:30,960 Speaker 3: at which is probably WHERE i would be, at because, 788 00:36:31,080 --> 00:36:34,040 Speaker 3: like you're already changing your money story by doing, this 789 00:36:34,400 --> 00:36:36,480 Speaker 3: and maybe you're going to shoot yourself in the foot 790 00:36:36,560 --> 00:36:38,680 Speaker 3: for turning up to your next career with your best 791 00:36:38,719 --> 00:36:41,400 Speaker 3: foot forward by being burnt. Out so, like what are we? 792 00:36:41,480 --> 00:36:43,720 Speaker 3: Doing what are we? Doing, like let's get our stuff, 793 00:36:43,719 --> 00:36:45,360 Speaker 3: together but like let's make a plan. 794 00:36:45,560 --> 00:36:46,480 Speaker 4: True what everyone else? 795 00:36:46,520 --> 00:36:49,319 Speaker 3: Say so, first we asked our, community have you ever 796 00:36:49,360 --> 00:36:52,000 Speaker 3: stayed in a job purely for the financial, upside even 797 00:36:52,080 --> 00:36:54,200 Speaker 3: if it was impacting your well. BEING i feel like 798 00:36:54,239 --> 00:36:54,920 Speaker 3: the number's got to be. 799 00:36:55,000 --> 00:36:55,160 Speaker 6: High. 800 00:36:55,280 --> 00:36:58,000 Speaker 3: Yes seventy ex seven percent of you said you did fair. 801 00:36:58,120 --> 00:37:01,800 Speaker 3: Enough what's the bigger? Risk we, asked leaving early and 802 00:37:01,840 --> 00:37:05,640 Speaker 3: missing out financially or staying somewhere that is draining, you 803 00:37:05,920 --> 00:37:08,520 Speaker 3: and you guys at fifty three percent said the bigger 804 00:37:08,600 --> 00:37:11,719 Speaker 3: risk was leaving early and missing out, financially and then 805 00:37:11,760 --> 00:37:14,360 Speaker 3: forty seven percent said staying somewhere that is draining. You 806 00:37:14,920 --> 00:37:17,839 Speaker 3: we then went to the community and obviously, said, guys 807 00:37:18,080 --> 00:37:21,120 Speaker 3: what's your two? Cents very similar to what we are. Saying, 808 00:37:21,760 --> 00:37:25,320 Speaker 3: also people are, saying you wouldn't continue to run on 809 00:37:25,400 --> 00:37:28,239 Speaker 3: a broken. Leg mental health and wellbeing is a priority 810 00:37:28,400 --> 00:37:31,560 Speaker 3: because it will just get. Worse, yeah very. True someone else, 811 00:37:31,600 --> 00:37:33,920 Speaker 3: said reap the financial benefits and try to find the 812 00:37:34,000 --> 00:37:36,160 Speaker 3: light outside of work to fill your. Cup how are 813 00:37:36,160 --> 00:37:39,359 Speaker 3: you doing? That someone, said two years in the grand 814 00:37:39,400 --> 00:37:41,960 Speaker 3: scheme of things is quite. Short break it up into 815 00:37:42,040 --> 00:37:46,240 Speaker 3: six month slots and find joy. Outside another person, said 816 00:37:46,520 --> 00:37:49,239 Speaker 3: it's not actually three hundred grand as a loss if 817 00:37:49,320 --> 00:37:51,480 Speaker 3: you find another job that you enjoy for the next 818 00:37:51,520 --> 00:37:55,279 Speaker 3: two years and build a thriving. Career, mmmmm good. Point 819 00:37:55,520 --> 00:37:58,320 Speaker 3: someone else, said could that three hundred thousand dollars be 820 00:37:58,440 --> 00:38:01,320 Speaker 3: offset with any new job or is that the bonus 821 00:38:01,360 --> 00:38:04,520 Speaker 3: amount for. Staying they've got questions as. Well another person, 822 00:38:04,600 --> 00:38:06,759 Speaker 3: said don't. Forget the longer you are out OF uni 823 00:38:06,920 --> 00:38:09,279 Speaker 3: and not in a related, job the harder it is 824 00:38:09,360 --> 00:38:12,560 Speaker 3: going to. Get also that you'll always be two years 825 00:38:12,640 --> 00:38:15,279 Speaker 3: behind in the actual career you want to. Start it's. 826 00:38:15,360 --> 00:38:20,239 Speaker 3: TRUE i find this to be like self. Perpetuating WHEN 827 00:38:20,280 --> 00:38:22,320 Speaker 3: i talk to other people in similar, Situations they're, Like, 828 00:38:22,320 --> 00:38:24,640 Speaker 3: Oh i'm giving and you know your mind's closing in two, 829 00:38:24,719 --> 00:38:27,600 Speaker 3: Years so this is actually a legitimate like. Deadline, Yeah 830 00:38:27,719 --> 00:38:29,280 Speaker 3: but like people will be, Like i'll give it another 831 00:38:29,360 --> 00:38:31,440 Speaker 3: year and Then i'll take the pay. Cut are you 832 00:38:31,480 --> 00:38:33,160 Speaker 3: actually going to take the pay cut or are you 833 00:38:33,239 --> 00:38:35,200 Speaker 3: going to find another job in mining because the money's 834 00:38:35,239 --> 00:38:35,799 Speaker 3: just too damn. 835 00:38:35,840 --> 00:38:36,040 Speaker 2: Good. 836 00:38:36,280 --> 00:38:39,200 Speaker 3: Yeah someone else said start looking for other jobs and 837 00:38:39,400 --> 00:38:42,800 Speaker 3: leave when you have secured something, else and another person, 838 00:38:42,920 --> 00:38:46,120 Speaker 3: said we appreciate the highs when we experience the, Lows 839 00:38:46,400 --> 00:38:49,120 Speaker 3: so maybe sticking it out would mean that you appreciate 840 00:38:49,200 --> 00:38:53,520 Speaker 3: your career interesting in the. Future, WELL i thought that 841 00:38:53,640 --> 00:38:56,760 Speaker 3: was interesting, too and we always share like a diverse 842 00:38:56,880 --> 00:39:00,279 Speaker 3: range of. Responses and then someone else, said please just 843 00:39:00,360 --> 00:39:02,160 Speaker 3: care for your mental. Health AND i think that that's 844 00:39:02,160 --> 00:39:04,799 Speaker 3: WHERE i would like to leave. It my, Friends, yeah love, 845 00:39:04,840 --> 00:39:07,200 Speaker 3: it sending you lots of. Love, Iulp you're, okay all, 846 00:39:07,280 --> 00:39:09,600 Speaker 3: right my. Friends unfortunately that is all we have time for. 847 00:39:09,719 --> 00:39:12,800 Speaker 3: Today if you enjoyed this, EPISODE i would love. It 848 00:39:12,840 --> 00:39:15,200 Speaker 3: if you told your, friend you told your. Neighbor maybe 849 00:39:15,280 --> 00:39:17,239 Speaker 3: you just tell your. CAT i don't. Care tell someone 850 00:39:17,280 --> 00:39:19,279 Speaker 3: by the water cooler at work if they're still going 851 00:39:19,360 --> 00:39:21,719 Speaker 3: to the water cooler these. Days thank you for being 852 00:39:21,800 --> 00:39:24,680 Speaker 3: part of our community and tuning in on probably like 853 00:39:24,760 --> 00:39:28,720 Speaker 3: your morning, walk your hot girl commute to, work. 854 00:39:28,920 --> 00:39:31,239 Speaker 4: Or we're doing this fun new thing On. Instagram show 855 00:39:31,320 --> 00:39:34,440 Speaker 4: us where you're listening from a story we're going to. 856 00:39:34,480 --> 00:39:36,719 Speaker 4: Start we're trying to collect a collage of like all 857 00:39:36,760 --> 00:39:39,919 Speaker 4: the fun different places people are listening, from so tag 858 00:39:40,040 --> 00:39:42,279 Speaker 4: us if there's a location on. It even, better we're 859 00:39:42,280 --> 00:39:44,600 Speaker 4: trying to see what the most exotic random place. 860 00:39:44,760 --> 00:39:48,080 Speaker 3: Is, yeah so, huge get, tagging and, please if you're 861 00:39:48,120 --> 00:39:50,160 Speaker 3: reading my, book add it to the list BECAUSE i 862 00:39:50,280 --> 00:39:52,600 Speaker 3: have been tagged in some fun book pictures of people 863 00:39:52,719 --> 00:39:55,000 Speaker 3: like on their holidays Reading she's on The, money And i'm, like, 864 00:39:55,160 --> 00:39:59,360 Speaker 3: girl is that The bahamas so? Slight, anyway we appreciate 865 00:39:59,440 --> 00:40:01,719 Speaker 3: you and We i'll see you next week with a 866 00:40:01,840 --> 00:40:04,479 Speaker 3: brand new money. Diary take care and have the best. 867 00:40:04,560 --> 00:40:12,040 Speaker 3: Weekend like. Bye the advice sheared On she's on The 868 00:40:12,120 --> 00:40:15,320 Speaker 3: money is general in nature and does not consider your individual. 869 00:40:15,400 --> 00:40:19,880 Speaker 3: Circumstances she's on The money exists purely for educational purposes 870 00:40:19,960 --> 00:40:22,320 Speaker 3: and should not be relied upon to make an investment 871 00:40:22,440 --> 00:40:25,720 Speaker 3: or financial. Decision if you do choose to buy a financial, 872 00:40:25,800 --> 00:40:29,720 Speaker 3: product read THE PDS tmd and obtain appropriate financial advice 873 00:40:29,840 --> 00:40:30,759 Speaker 3: tailored towards your. 874 00:40:30,840 --> 00:40:34,520 Speaker 6: Needs Victoria divine And she's on The money are authorized 875 00:40:34,560 --> 00:40:39,160 Speaker 6: representatives Of. Money sheper PTY LTD abn three two ONE 876 00:40:39,280 --> 00:40:42,960 Speaker 6: is six four nine two seven seven zero EIGHT afsl 877 00:40:43,120 --> 00:40:44,839 Speaker 6: four five one two eight nine