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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's the Money, the podcast the

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Speaker 4: millennials who want financial freedom.

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Speaker 2: Welcome back to another one of our money daries.

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Speaker 4: Where I get the absolute pleasure of sitting down with

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Speaker 4: one of our She's on the Money community members to

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Speaker 4: talk all about their journey. Let's jump straight into it,

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Speaker 4: because this week I got a message and it sounded

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Speaker 4: like this, Hi V. I have a pretty unique career

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Speaker 4: in a male dominated industry and live an island life

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Speaker 4: in a very remote part of Australia. I have a

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Speaker 4: lot to say about the inflated cost of living due

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Speaker 4: to my location. But I've worked my way up and

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Speaker 4: negotiated a forty thousand dollars pay rise in the last

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Speaker 4: six months. I'd love to share my less than average

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Speaker 4: lifestyle with the community.

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Speaker 2: Same. Welcome to the show.

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Speaker 5: Hah, thank you so much for having me while you

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Speaker 5: make my life sound pretty interesting.

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Speaker 2: You wrote that.

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Speaker 4: Oh no, Analisa, our producer, wrote that, So I told

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Speaker 4: you she was a good egg.

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Speaker 2: Before we were.

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Speaker 4: Recording, I was talking about how great she is. But

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Speaker 4: that is it, though, Like, where is the lie, my friend?

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Speaker 5: Yeah, it's true. That is my life at the moment.

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Speaker 4: I'm so excited to learn more about it before we

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Speaker 4: get there. Could you give us a little bit of

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Speaker 4: an idea. What grade would you give your money habits

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Speaker 4: from A three to F if I asked you to

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Speaker 4: grade them?

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Speaker 5: Yeah, so I was thinking a B plus I think

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Speaker 5: with some of your money habits at the moment.

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Speaker 2: Well, let's learn more about it.

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Speaker 4: You said you have an island life in a very

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Speaker 4: remote part of Australia, and I want to know more

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Speaker 4: about your money story.

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Speaker 2: So tell me where you come from and now why

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Speaker 2: you're on an island.

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Speaker 5: Yeah. So I live in a really remote island in

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Speaker 5: the north of Australia, which is about as north as

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Speaker 5: you can get. Actually, it is a beautiful lifestyle, you know.

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Speaker 5: It's a very slow lifestyle, and I've managed to fall

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Speaker 5: into a career up here that I never thought i'd

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Speaker 5: fall into. But it's going very well and I'm really

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Speaker 5: enjoying it and feeling very blessed to have this job.

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Speaker 5: So yeah, island life is absolutely incredible, but it doesn't

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Speaker 5: come without its difficulties. You know. Cost of living up

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Speaker 5: here is definitely felt a little bit more just because

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Speaker 5: we're so remote and things are shipped in from very

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Speaker 5: far away.

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Speaker 2: How did you grow up around money.

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Speaker 5: I was raised in a single parent family, so there

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Speaker 5: was definitely never a lot of money while I was

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Speaker 5: growing up. But in saying that, my mum is incredible.

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Speaker 5: She's always managed to provide everything that myself and my

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Speaker 5: brother needed, so I definitely learned a lot of my

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Speaker 5: money habits from her. She was a great saver and

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Speaker 5: instilled those beliefs around money and me and my brother.

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Speaker 5: So after school, I went to university and I lived

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Speaker 5: the university life, which is never a very wealthy life.

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Speaker 5: I was living out a home in Melbourne and working

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Speaker 5: to support myself through that, and after graduating UNI, I

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Speaker 5: kind of thought, well, an office job isn't for me,

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Speaker 5: So I led Melbourne and I came to Queensland and

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Speaker 5: I've been working on boats ever since.

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Speaker 2: On boats. That's interesting. I love this.

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Speaker 4: So tell me a bit more about the decision to go.

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Speaker 4: You know, I don't want to live an office job.

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Speaker 4: I want something else going you.

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Speaker 2: Know, what is for me a boat?

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Speaker 4: Like how did you go from you know, making that decision,

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Speaker 4: from being in UNI, which is relatively structured, let's be honest,

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Speaker 4: to having obviously a much quieter life, but also working

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Speaker 4: in that space.

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Speaker 5: Yeah. So I was actually working hospitality when I was

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Speaker 5: in university, and when it came towards my graduation, I

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Speaker 5: was like, you know, I didn't see myself growing straight

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Speaker 5: to an office role. So I was thought, well, I'm

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Speaker 5: going to go work in a hospitality venue somewhere a

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Speaker 5: bit more tropical. So I actually applied for a job

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Speaker 5: on Hamilton Island and I was unsuccessful getting that job,

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Speaker 5: and I was like, well, actually, maybe hospitality isn't for me.

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Speaker 5: So I started applying for some sail boat jobs in

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Speaker 5: the with Sundays. They hired me. So I started off

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Speaker 5: as a hostess on one of the tourism boats up there.

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Speaker 2: Oh very cool.

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Speaker 5: Yeah, there was about five years ago now and so

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Speaker 5: it's just progressed from that.

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Speaker 4: So tell me a bit more. I need to know

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Speaker 4: what do you do for work? How much money do

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Speaker 4: you actually earn?

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Speaker 5: So I work in marine pilotice. Oh yeah, bit of

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Speaker 5: an unusual job. I at the moment am earning just

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Speaker 5: over one hundred k year.

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Speaker 2: Yeah.

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Speaker 5: We drive boats and we go out to the middle

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Speaker 5: of a shipping channel where we run into the side

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Speaker 5: of a big ship that's still moving.

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Speaker 2: We run into the side of a big ship moving, Yeah, exactly.

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Speaker 5: We kind of just smash into the side. If there's

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Speaker 5: a bit of a bang, it's all right. And then

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Speaker 5: we put a very experienced mariner onto that ship so

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Speaker 5: he can navigate it through the reef.

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Speaker 2: I've heard of this.

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Speaker 4: They're good pilots, but they've never been through that territory

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Speaker 4: and you need someone who's like really familiar with it

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Speaker 4: to like just get on for a short period of

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Speaker 4: time navigate through that and then they get off right.

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Speaker 2: Yeah, yeah, that is cool. So how did you fall

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Speaker 2: into that.

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Speaker 4: I mean, it's a bit of a jump to go

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Speaker 4: from a hostess on a boat to being in marine pilotage. Like,

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Speaker 4: what's the segue there, my friend.

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Speaker 5: Yeah, it was quite random how it happened. I moved

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Speaker 5: to the island where I'm living now, and I met

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Speaker 5: up with a friend that I'd known previously from the

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Speaker 5: marine industry, and she was working for this company already,

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Speaker 5: and so she got me a job. And I started

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Speaker 5: out as a casual decand that was almost two years

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Speaker 5: ago now, and now I'm the assistant manager two years later.

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Speaker 2: No, you're not, I am. That is so cool. Congrats.

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Speaker 2: Tell me a bit more about island life though.

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Speaker 4: I want to segue back to this because living remote

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Speaker 4: full stop is expensive, but then I feel like it

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Speaker 4: might be super expensive living remote, but then also on

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Speaker 4: an island.

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Speaker 2: So can you tell me a.

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Speaker 4: Bit about I guess your living situation. How do you

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Speaker 4: rent and pay for housing or do you pay for housing?

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Speaker 4: And you know what's food like because I'm assuming you

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Speaker 4: can't get any roots.

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Speaker 5: There's definitely no overeats. So that does help with my savings. Yeah,

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Speaker 5: so living on an island, it is very expensive. I

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Speaker 5: do want to say that you know, in my situation

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Speaker 5: with my work, I am very privileged because I do

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Speaker 5: have some things provided with my job. Food is probably

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Speaker 5: the biggest expense that I see. To be fair, I'm

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Speaker 5: probably a little bit of out of touch with mainland prices.

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Speaker 5: I mean, I understand that prices have gone up all

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Speaker 5: over Australia, but yeah, you know, living up here, for instance,

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Speaker 5: we're paying two dollars eighty five for a liter of fuel.

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Speaker 5: I went to a supermarket the other day and I

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Speaker 5: paid three dollars fifty for a tin of chopped tomatoes.

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Speaker 2: No, you didn't.

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Speaker 5: It's quite ridiculous.

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Speaker 2: That's like ninety nine cents. It colds for me.

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Speaker 5: Sorry, it's ridiculous. But everything that comes to the island

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Speaker 5: is brought up on a barge, so that just adds

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Speaker 5: a huge freight cost to all the products that are

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Speaker 5: brought to the island.

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Speaker 2: Yeah, it would.

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Speaker 5: And also sometimes those products are just not available. Quality offecially,

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Speaker 5: fruit and vegetables can be quite low sometimes. I think

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Speaker 5: I paid ten dollars the other day for a very

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Speaker 5: average bunch of silver beat.

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Speaker 2: Of silver beat.

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Speaker 4: Yeah, that's not even like an expensive, exciting vegetable.

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Speaker 2: That's silver beat.

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Speaker 5: I know, but you still have to get your greens.

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Speaker 4: Oh I'm not disagreeing, Like, I actually really love a

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Speaker 4: bit of silver beat. I grew up on a farm,

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Speaker 4: and I feel like that stuff grows like wee there,

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Speaker 4: but paying ten bucks for it would give me the inck.

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Speaker 5: Yeah. Probably my largest expense is my grocery bill. Yeah

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Speaker 5: at the moment, Like I said, I am very lucky

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Speaker 5: in my job that things are provided for me. For instance,

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Speaker 5: I have a work car, so I don't have to

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Speaker 5: pay for my own car or fuel. Oh very nice,

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Speaker 5: And I understand that everybody on the island is not

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Speaker 5: privileged to that like we are.

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Speaker 2: Yeah.

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Speaker 5: My rent is also subsidized by work, so I think

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Speaker 5: work subsidizes it by about three hundred dollars a week

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Speaker 5: and I still end up paying one seventy a week.

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Speaker 4: Okay, that's pretty good because that would be expensive rent otherwise.

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Speaker 5: Yeah, it's really lucky to live on the island without

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Speaker 5: rent supplied by your work. It would be almost impossible

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Speaker 5: just because there is no accommodation available.

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Speaker 1: Yeah.

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Speaker 2: Wow.

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Speaker 5: Work also covers most of my bills, so they pay

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Speaker 5: for my gas and my water and my internet and

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Speaker 5: the only bill I have to pay for myself is

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Speaker 5: my electricity.

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Speaker 4: This is becoming very appealing. Like I wasn't so sold

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Speaker 4: on remote work, but now you're.

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Speaker 2: Like, all of this stuff is covered.

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Speaker 4: Also, I'm earning just over one hundred thousand dollars per year.

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Speaker 4: Does that put you in a very attractive savings position?

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Speaker 5: It does. I had never earned money like this before

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Speaker 5: falling into this role. So I have hit some pretty

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Speaker 5: incredible saving goals this year.

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Speaker 2: Well, let's talk about them. What are your big money goals?

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Speaker 5: Ah, My biggest money goal this year is to buy property.

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Speaker 5: So I'm just going through the process at the moment

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Speaker 5: of preapproval.

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Speaker 2: Oh yeah, so.

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Speaker 5: Looking to purchase an investment property, hopefully in the next

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Speaker 5: month or two.

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Speaker 2: Oh that's so exciting. That so soon?

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Speaker 4: And so have you got your deposit together in all

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Speaker 4: of the balls in the right places.

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Speaker 5: Yes, I have my deposit ready. I have gone through

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Speaker 5: this process once before. But also living on the island,

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Speaker 5: it makes it very difficult to view properties. Of course,

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Speaker 5: it has slowed me down a little bit in my

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Speaker 5: search for properties, but I think I've reached the point

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Speaker 5: where I may just have to purchase without viewing the

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Speaker 5: property first.

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Speaker 4: Yeah, right, are you purchasing remotely or are you purchasing

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Speaker 4: back like we're your mummy, or like what's the plan

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Speaker 4: with location for this property purchase?

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Speaker 5: At the moment, I'm looking at Cans in Far North Queensland.

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Speaker 2: And is that because you want to live there at

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Speaker 2: some point or is this a good investment opportunity or

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Speaker 2: what does that look like for me?

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Speaker 5: I think it is a place where you can buy

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Speaker 5: a good investment opportunity. Also, if things were to fall

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Speaker 5: through with renting it out and I did have to

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Speaker 5: move there, I would have access to employment. Yeah, and

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Speaker 5: I have lived there previously, so it's a place that's

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Speaker 5: just familiar to me.

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Speaker 1: Yeah.

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Speaker 4: Great, Cans is gorgeous as well, so like I would

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Speaker 4: not be mad if I had to go and live there, Like,

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Speaker 4: oh no, I have to live in Far North Queensland.

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Speaker 2: How bad is that?

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Speaker 5: I know it's tropical paradise there minus the crocodiles.

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Speaker 4: It is so beautiful all right, So property purchase, what

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Speaker 4: are your other big money goals?

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Speaker 5: I don't have too many what I would call short

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Speaker 5: term money goals at the moment. I think once I

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Speaker 5: take off buying a property, then I'll start to look.

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Speaker 5: But yeah, for long term. You know, I'm not a

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Speaker 5: person who particularly wants to work a full time job

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Speaker 5: for the next thirty years forty years fair, So I

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Speaker 5: would really like to find myself in a position down

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Speaker 5: the track where I can work less.

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Speaker 1: You know.

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Speaker 5: If that looks like paying off property so that I

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Speaker 5: don't owe anything on it as quick as possible, you know,

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Speaker 5: those are probably my goals down the track.

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Speaker 2: I love that. What does not working full time look

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Speaker 2: like to you?

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Speaker 4: Is it just vibing out during the day, Like, how

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Speaker 4: many days a week are we talking that you would

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Speaker 4: actually work? Like, give me an idea of what this

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Speaker 4: goal lifestyle looks like.

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Speaker 5: So I think my perfect rosstar would be four days

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Speaker 5: a week or three days a week. You know, I

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Speaker 5: have a lot of things that I would like to

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Speaker 5: do on the side, and maybe that could also include

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Speaker 5: my own business as well.

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Speaker 2: Fun.

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Speaker 5: Yeah, I don't know what my own business would be,

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Speaker 5: but I would really like to be able to support

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Speaker 5: myself and work for myself. I think that's probably my

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Speaker 5: ultimate goal.

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Speaker 4: I love it. It is a lot of stress, but

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Speaker 4: it is definitely worth it. All right, let's go to

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Speaker 4: a really quick break, because on the flip side, I

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Speaker 4: want to ask you.

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Speaker 2: I guess about.

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Speaker 4: Investments, about debt and your best and worst money habits.

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Speaker 4: So guys, don't go anywhere, all right, money dirist. We

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Speaker 4: are back and you are living an island life in

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Speaker 4: a very remote part of Australia, which now you're telling

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Speaker 4: me about it, I'm kind of envious of.

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Speaker 2: Like I just look at it and go.

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Speaker 4: Oh my gosh, what on earth this is so far

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Speaker 4: from what my reality is.

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Speaker 2: What do your days off look like? If you're stuck

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Speaker 2: on a very remote island, what do you get up to?

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Speaker 5: Well, the only thing you can do on an island

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Speaker 5: is go on a boat.

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Speaker 2: That's okay. You like boats, I've heard.

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Speaker 5: I do like boats, even on my days off. I

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Speaker 5: drive them. So we will go around the islands, go bakeboarding,

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Speaker 5: to slay on the beach, go through a bit of

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Speaker 5: a snorkel, try and get away from the crocodiles is

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Speaker 5: my ultimate goal.

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Speaker 2: Yeah, yeah, no, thank you.

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Speaker 5: But to be fair, I actually don't have a whole

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Speaker 5: lot of spare time because I do work two jobs.

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Speaker 2: Two jobs.

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Speaker 5: Yes, I do work a second job, so I often

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Speaker 5: use my days off and also my annually to fit

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Speaker 5: my second job in.

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Speaker 2: Tell me more what is this second job?

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Speaker 4: You didn't mention that when I said what do you

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Speaker 4: do for work and how much money do you earn?

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Speaker 5: I work for a not for profit in the environmental sector.

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Speaker 2: Oh my gosh, how did you forget that?

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Speaker 5: It is just a casual job and the hours are

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Speaker 5: very varying. Some weeks I may not work at all

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Speaker 5: and then others will do thirty hours a week. So

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Speaker 5: that job looks like a lot of computer time as well.

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Speaker 5: But I also do get to go out into the

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Speaker 5: field quite often and work with traditional owners and rangers

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Speaker 5: on country.

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Speaker 2: Oh my gosh, gorgeous.

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Speaker 5: Yeah, so I work on different islands and back on

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Speaker 5: the mainland doing that as well.

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Speaker 4: So what kind of income are you earning from that

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Speaker 4: in addition to your one hundred grand in your job

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Speaker 4: in marine pilotage.

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Speaker 5: So that is a casual job, so I'm paid on

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Speaker 5: an hourly basis. As I mentioned, it's very sporadic the

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Speaker 5: hours last tax yere. I think I earn an extra

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Speaker 5: twelve grand with that, and I'm probably earn about the

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Speaker 5: same this year.

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Speaker 2: Yeah, that honestly is so cool.

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Speaker 4: And the fact that you get to, I guess, connect

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Speaker 4: so much with the land I'm assuming you're learning a

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Speaker 4: lot as you, you know, do the work that you do.

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Speaker 4: I feel like that's a dream that is very very cool.

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Speaker 4: So tell me now about investment. Do you have any investments?

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Speaker 4: If so, what are they? If you don't, do you

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Speaker 4: have a plan.

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Speaker 5: So I've been doing a little bit of listening to

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Speaker 5: Shoes on the Money.

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Speaker 2: Oh my gosh, great idea. Can't recommend it more highly.

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Speaker 5: I also have a Raise account, which I've had for

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Speaker 5: about three years. Yeah, and with downloading and joining up

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Speaker 5: with Chasi's, I now have started a plan to let

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Speaker 5: my raise get up to five hundred dollars, and once

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Speaker 5: it reaches five hundred dollars, I'm withdrawing that and putting

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Speaker 5: into my Chazia's account.

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Speaker 1: Oh.

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Speaker 2: I love this idea.

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Speaker 4: And I don't mean to buddy in and tell you

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Speaker 4: how to suck eggs. That's not what I'm But did

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Speaker 4: you know that Chaz's has just introduced roundups, so you

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Speaker 4: could like do that inside Chazi's and not change from

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Speaker 4: one investment platform, sell down an asset that might decrease

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Speaker 4: in value, and then transfer it to another one.

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Speaker 5: I did not know that, and this is why I listened.

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Speaker 2: Well, there you go. Hot tips. Love the strategy.

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Speaker 4: Obviously, if we're exposing our money to the share market

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Speaker 4: for a short period of time, there could be some volatility,

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Speaker 4: and so that might be another way to protect yourself.

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Speaker 4: But I'll let you look into that and make.

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Speaker 2: Your own decision. It's just a little idea, my friend.

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Speaker 5: That's perfect take out the middleman.

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Speaker 4: Yeah, but I mean it's a genius idea though, Like,

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Speaker 4: have you found that having roundups has meant that there's

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Speaker 4: just like money there that you're like, wow, I really

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Speaker 4: didn't feel like that came out, or wow, that hit

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Speaker 4: five hundred dollars way quicker than I thought it might.

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Speaker 5: Yeah, I don't notice the money going out of my

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Speaker 5: account at all. I've had it for so long that

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Speaker 5: it's just been a part of my account and budgeting

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Speaker 5: all the time. I really enjoy the roundup.

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Speaker 2: I do too.

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Speaker 4: It's what I do because I like to think of

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Speaker 4: myself as a relatively lazy investment. Like I've just like

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Speaker 4: direct debited everything else, so that happens, and then I've

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Speaker 4: got my roundups, and sometimes I log in, I'm like, oh,

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Speaker 4: look at me, that's so nice, Like I did all

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Speaker 4: this work, but I didn't. That's my favorite. I want

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Speaker 4: to know next, do you have any debts? If so,

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Speaker 4: what are they? If not, can I know a little

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Speaker 4: bit more pervy detail about the debt that you might

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Speaker 4: take on for this property purchase You're about.

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Speaker 5: To make sure? Well, the only debt I have is

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Speaker 5: my hextet. I am feeling quite disheartened at the moment

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Speaker 5: about how large my hextet is. It's up to about

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Speaker 5: fifty five thousand dollars.

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Speaker 4: Yeah, fair, I would feel stressed, But at the same

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Speaker 4: time it makes sense.

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Speaker 5: I think going through university and even high school, hextet

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Speaker 5: was always kind of sold to me as an interest

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Speaker 5: free loan, which in the last year particularly, is certainly not.

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Speaker 5: I think my hex stet was raised by about four

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Speaker 5: thousand dollars last financial year. That is my only debt.

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Speaker 5: I do also have a credit card, but I pretty

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Speaker 5: much just use it for points on larger purchases and

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Speaker 5: then pay it off immediately. With the property that I'm

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Speaker 5: looking to buy, Cans is still quite reasonably priced, so

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Speaker 5: I'm looking at apartments in about two hundred thousand dollars range. Yeah, cool,

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Speaker 5: of which I have quite a large deposit to put

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Speaker 5: towards whether I use all of my money as a

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Speaker 5: deposit or not. That has a rental return on it

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Speaker 5: of about between three hundred and three hundred and fifty

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Speaker 5: dollars a week.

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Speaker 2: That's pretty good.

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Speaker 4: And when you look at that and go all right, well,

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Speaker 4: you know it's a two hundred thousand dollars apartment, I

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Speaker 4: can get good rental yield. Would you look at putting

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Speaker 4: less of a deposit down and potentially putting money into

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Speaker 4: like an offset account? Is that something that you've spoken

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Speaker 4: to your broker about. I guess structuring to make sure

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Speaker 4: it works really well for you.

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Speaker 5: Yeah, that is something that I have spoken to my

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Speaker 5: broker about, and I will be putting it in an

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Speaker 5: offset account.

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Speaker 2: Love, we're all on the same page. I love that.

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Speaker 2: Tell me, now, what do you think your best money

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Speaker 2: habit is?

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Speaker 5: I think I am a really good saver.

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Speaker 2: I know you're a really good saver.

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Speaker 5: Yeah, which I will also discuss seeing my worst money habits.

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Speaker 5: But yeah, I think I'm a really good saver. I

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Speaker 5: was thinking about this. I also purchase a lot of

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Speaker 5: my clothes, furniture, you know, most things secondhand. My main

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Speaker 5: priority behind doing that is probably because it's the most

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Speaker 5: sustainable option, but it's also led me to like be

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Speaker 5: able to save a lot more money by doing that.

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Speaker 2: How does that work if you're remote?

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Speaker 4: Like, is it still easy to I guess, get access

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Speaker 4: to that market? You could say, like, I feel like

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Speaker 4: you would have less options.

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Speaker 5: Yeah. So living up here, everything in my house is

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Speaker 5: actually provided by work, so I don't need to go

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Speaker 5: out and buy furniture plates, that kind of stuff. When

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Speaker 5: it comes to clothes, I am a big sucker for Deepop.

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Speaker 1: Oh.

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Speaker 2: I love Deepop same.

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Speaker 5: I love to be able to support people as well

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Speaker 5: and selling the clothes that they no longer use rather

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Speaker 5: than bigger companies.

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Speaker 2: It's genius. I love it.

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Speaker 4: I feel like I checked Deepop before I make any

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Speaker 4: purchase nowadays as well, because I'm like.

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Speaker 2: Oh that's cute. Someone might have put it on Deepop

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00:19:09,440 --> 00:19:10,600
Speaker 2: and half the time they.

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Speaker 5: Have exactly yeah. And that's quite easy. To get things

439
00:19:13,440 --> 00:19:15,280
Speaker 5: sent up in the mail. It does take about three

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Speaker 5: weeks to arrive. There's no instant gratification.

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Speaker 2: Oh I would suck up there.

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Speaker 4: I would forget that I'd ordered things and then they'd

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Speaker 4: turn up and be like oh yeah, yeah.

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Speaker 5: I do end up at the post office quite a

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Speaker 5: lot off.

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Speaker 4: Here, and segueing from that, what do you think your

447
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Speaker 4: worst money habit is?

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Speaker 1: So?

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00:19:31,400 --> 00:19:33,680
Speaker 5: Yeah, As I mentioned, I think I quite a good saver.

450
00:19:34,840 --> 00:19:38,679
Speaker 5: I think my attitude towards money has shifted quite a

451
00:19:38,720 --> 00:19:41,960
Speaker 5: lot lately, So I think my worst money habits are

452
00:19:42,000 --> 00:19:45,399
Speaker 5: based on decisions that I had made previously. I'm feeling

453
00:19:45,480 --> 00:19:49,560
Speaker 5: quite annoyed that I haven't prioritized investment earlier on in

454
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Speaker 5: my life, whether that investment looked like contributing extra to

455
00:19:53,640 --> 00:19:58,320
Speaker 5: my super or buying a property sooner, or also making

456
00:19:58,400 --> 00:20:02,040
Speaker 5: voluntary payments on my I feel annoyed because I did

457
00:20:02,080 --> 00:20:04,399
Speaker 5: have the ability to do that sooner and I haven't.

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Speaker 4: But you didn't have the tools and resources and knowledge

459
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Speaker 4: that you did. Now, you can't be too harsh on yourself.

460
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Speaker 4: I feel like so many times we look back and go, oh,

461
00:20:11,840 --> 00:20:13,639
Speaker 4: my god, I would be so good if I X

462
00:20:13,720 --> 00:20:13,960
Speaker 4: Y Z.

463
00:20:14,359 --> 00:20:15,960
Speaker 2: Well, you know what, I'd be so good if I

464
00:20:15,960 --> 00:20:18,840
Speaker 2: started investing the day I was born. But I didn't, did.

465
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Speaker 5: I You're right, it is a terrible game to play,

466
00:20:21,800 --> 00:20:24,520
Speaker 5: the hindsight game. I think. Also one of my worst

467
00:20:24,560 --> 00:20:27,680
Speaker 5: money habits is I have always been a good saver,

468
00:20:28,040 --> 00:20:31,800
Speaker 5: as I mentioned, but typically before I moved up here,

469
00:20:31,880 --> 00:20:35,080
Speaker 5: that savings was always put towards travel. Yeah, so I would,

470
00:20:35,119 --> 00:20:37,480
Speaker 5: you know, get enough in my bank account to go traveling,

471
00:20:38,200 --> 00:20:40,520
Speaker 5: go traveling, deplete it and then come back and start

472
00:20:40,560 --> 00:20:44,200
Speaker 5: from scratch. Yeah okay, And so that is what I'm

473
00:20:44,200 --> 00:20:46,119
Speaker 5: trying to resist the urge to do these days. I'm

474
00:20:46,119 --> 00:20:47,919
Speaker 5: a little bit more grown up now, So if I

475
00:20:47,960 --> 00:20:50,200
Speaker 5: can just resist that urge to not quit my job

476
00:20:50,240 --> 00:20:52,840
Speaker 5: and go on a trip around the world, that would

477
00:20:52,880 --> 00:20:53,200
Speaker 5: be great.

478
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Speaker 4: I mean, it sounds pretty cool, Like I think you

479
00:20:55,320 --> 00:20:58,280
Speaker 4: could convince me. I think we could all do those things.

480
00:20:58,280 --> 00:21:00,800
Speaker 4: But if that's your worst money, have it. Like you're

481
00:21:00,840 --> 00:21:04,159
Speaker 4: a very interesting person, Like that is very very cool.

482
00:21:04,680 --> 00:21:05,600
Speaker 2: We've talked a lot.

483
00:21:05,680 --> 00:21:08,119
Speaker 4: I feel like you are absolutely killing it and also

484
00:21:08,320 --> 00:21:11,600
Speaker 4: living your best life at the same time, Like marine

485
00:21:11,640 --> 00:21:13,440
Speaker 4: pilotage sounds slay, Like.

486
00:21:13,400 --> 00:21:14,600
Speaker 2: That sounds so cool.

487
00:21:14,920 --> 00:21:18,080
Speaker 4: But then also getting to work in an NFP in

488
00:21:18,119 --> 00:21:21,359
Speaker 4: the environmental sector like that would nourish you. Like I

489
00:21:21,400 --> 00:21:23,280
Speaker 4: am assuming you're not doing it for the money, because

490
00:21:23,320 --> 00:21:26,560
Speaker 4: you obviously earn a lot in your bigger role, but

491
00:21:26,840 --> 00:21:29,320
Speaker 4: it just sounds like that is so cool, And you

492
00:21:29,960 --> 00:21:32,800
Speaker 4: live on an island, and yes, groceries are expensive, but

493
00:21:32,880 --> 00:21:35,639
Speaker 4: everything else kind of is subsidized, so maybe it works

494
00:21:35,640 --> 00:21:38,960
Speaker 4: out a bit. But now that we've talked, what do

495
00:21:39,000 --> 00:21:41,000
Speaker 4: you think it would take to get you from a

496
00:21:41,000 --> 00:21:43,480
Speaker 4: B plus to an A or an A plus.

497
00:21:43,920 --> 00:21:47,400
Speaker 5: Yeah, definitely just needs to prioritize the investing. So if

498
00:21:47,440 --> 00:21:49,800
Speaker 5: I can achieve my money goal of buying a property

499
00:21:49,840 --> 00:21:53,679
Speaker 5: this year, and once that's accomplished, move on to the

500
00:21:53,720 --> 00:21:57,960
Speaker 5: next thing, whether that's property or a different investment, that's

501
00:21:58,359 --> 00:21:59,919
Speaker 5: definitely what I would need to take me to.

502
00:22:00,840 --> 00:22:01,879
Speaker 2: That is so cool.

503
00:22:01,960 --> 00:22:04,159
Speaker 4: I love that because we know what's going to happen,

504
00:22:04,560 --> 00:22:07,480
Speaker 4: Like you are getting into property, and you will be

505
00:22:07,560 --> 00:22:10,160
Speaker 4: able to leverage that one into the next one. Even

506
00:22:10,240 --> 00:22:12,439
Speaker 4: just knowing that you've got a bigger deposit than you

507
00:22:12,480 --> 00:22:15,360
Speaker 4: need for your first property is going to be so constructive.

508
00:22:15,440 --> 00:22:17,800
Speaker 4: Like I am obsessed and I can't wait to see

509
00:22:17,800 --> 00:22:20,680
Speaker 4: where you go money, Darist. Unfortunately, that is all we

510
00:22:20,760 --> 00:22:22,840
Speaker 4: have time for today. But I have loved getting to

511
00:22:22,880 --> 00:22:24,880
Speaker 4: know you, getting to know a bit about your story.

512
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Speaker 2: It makes me want to go live on an island.

513
00:22:27,000 --> 00:22:30,119
Speaker 4: I'm not sure my husband or my impending baby is

514
00:22:30,160 --> 00:22:33,439
Speaker 4: going to like that idea. But like, I'll pitch it

515
00:22:33,480 --> 00:22:36,439
Speaker 4: to them and see what they say. But thank you

516
00:22:36,480 --> 00:22:38,280
Speaker 4: so much. I think our community is going to love

517
00:22:38,320 --> 00:22:41,080
Speaker 4: this story because it's just so different and so pervy.

518
00:22:41,280 --> 00:22:42,000
Speaker 2: So thank you.

519
00:22:42,760 --> 00:22:44,720
Speaker 5: Yeah, no worries, thank you so much for having me.

520
00:22:44,960 --> 00:22:53,679
Speaker 3: Of course, the advice shared on She's on the Money

521
00:22:53,760 --> 00:22:57,520
Speaker 3: is generally nature and does not consider your individual circumstances.

522
00:22:57,880 --> 00:23:01,280
Speaker 3: She's on the Money exists purely for educational purposes and

523
00:23:01,320 --> 00:23:03,760
Speaker 3: should not be relied upon to make an investment or

524
00:23:03,840 --> 00:23:04,840
Speaker 3: financial decision.

525
00:23:05,240 --> 00:23:07,840
Speaker 2: If you do choose to buy a financial product.

526
00:23:07,520 --> 00:23:11,360
Speaker 3: Read the PDS TMD and obtain appropriate financial advice.

527
00:23:11,080 --> 00:23:12,439
Speaker 2: Tailored towards your needs.

528
00:23:12,760 --> 00:23:16,720
Speaker 3: Victoria Divine and Sheese on the Money are authorized representatives

529
00:23:16,760 --> 00:23:20,240
Speaker 3: of Money Sherper Pty lt D a BN three two

530
00:23:20,280 --> 00:23:23,280
Speaker 3: one IS six four nine two seven seven zero eight

531
00:23:23,560 --> 00:23:28,280
Speaker 3: AFSL four five one two eight nine