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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.

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Speaker 1: They're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and for caring for the land on which we are

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Speaker 1: able to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome back to another

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Speaker 3: shot back Money Diary. Monday one of my favorite days

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Speaker 3: of the week because we get to chat to a

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Speaker 3: gorgeous community member to learn about them, their story, their money,

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Speaker 3: and all of the deats in between.

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Speaker 1: Is Monday really your favorite day of the week. Yes, it's.

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Speaker 3: I mean, look, Monday's It was just a nice thing

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Speaker 3: to say for the worst, but it's one of my

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Speaker 3: favorite Cheese on the Money episodes.

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Speaker 1: Okay, that's fair.

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Speaker 3: Now, before we get into today's episode, I did just

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Speaker 3: want to put a little trigger warning on there. We're

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Speaker 3: going to be talking about some difficult things today, including

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Speaker 3: domestic violence. So if you're in a place where hearing

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Speaker 3: about that makes you a little bit uncomfy, give this

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Speaker 3: episode a skip. There's a whole backlog of other episodes

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Speaker 3: that you can listen to, and we'll see you on

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Speaker 3: Wednesday instead. All right, Jess, Well, let's hear about this

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Speaker 3: week's diarist already, our direct says, I'm a single mum

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Speaker 3: who lives on welfare. Three years ago, I was sitting

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Speaker 3: across the table from a mortgage broker with thirty K,

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Speaker 3: ready to buy an investment property. But little did I

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Speaker 3: know that there was Bob President at this meeting, who

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Speaker 3: I was clueless about. Within nine months, I was a

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Speaker 3: parent and thirty K poorer. I had lost the lot, jobless,

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Speaker 3: and stuck inside. Thanks to COVID, I turned to welfare

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Speaker 3: to support myself and my daughter. After four long years

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Speaker 3: in a domestic violence relationship. In twenty twenty two, I

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Speaker 3: was able to walk away with eighteen K, pay off

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Speaker 3: my debts, and be financial free for a while while

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Speaker 3: I battled for custody of my daughter. I am grateful

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Speaker 3: that I can rely on welfare for the next few

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Speaker 3: years to keep us afloat.

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Speaker 1: Oh my gosh, what a story money Jost. Welcome to

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Speaker 1: the show. Let's get straight into it. I would love

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Speaker 1: to know. Tell us a little bit about your money story.

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Speaker 4: Okay, So my money story is a bit like all

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Speaker 4: over the place. So growing up, like I come from money,

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Speaker 4: if that makes sense. Yeah, like my family they're a

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Speaker 4: bit by that breach. So my mom is the first

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Speaker 4: person in her family to break generational poverty. Very cool again,

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Speaker 4: and so was my dad but through marriage.

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Speaker 3: Yeah.

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Speaker 4: Yeah. So then my sister and I we were raised

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Speaker 4: to have everything we wanted. Basically, we could have five

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Speaker 4: Barbie dolls and everything we wanted to eat and go

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Speaker 4: over where we want. We're on fancy holidays quite often actually.

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Speaker 4: But then when I had my daughter, I was on

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Speaker 4: the other end of the spectrum. So we live at

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Speaker 4: my parents' house and I'm like on the poorer side

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Speaker 4: and then outside my bedroom doors on the richer side. Yeah,

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Speaker 4: there's a bit all over the place, I guess.

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Speaker 1: Kind of like you got a foot in each world.

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Speaker 4: Yeah. Yeah, it's it's challenging because I live on a

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Speaker 4: beautiful property with four egcres of land, but I can't

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Speaker 4: buy her lots of things.

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Speaker 1: Yeah, but she gets sorts of things, like my mom

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Speaker 1: gives her lots of things that must be really challenging

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Speaker 1: for you, kind of like as just said, having a

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Speaker 1: foot in each world in a way. But the next

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Speaker 1: question is what do you do for work and how

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Speaker 1: much money do you au? And tell us all about it.

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Speaker 4: Okay, so this is where it gets a little bit

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Speaker 4: like tricky.

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Speaker 1: That's all right.

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Speaker 4: So, like I said, I'm on welfare, like I've won

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Speaker 4: on an link payments. So I started my journey out

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Speaker 4: on a partnered income that ended I would say, maybe

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Speaker 4: August September last year, that income, and and then I

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Speaker 4: end up with a tax bill that was for his income,

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Speaker 4: not mine. So then I had to remediate the situation

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Speaker 4: by going on a single income because yeah, so I'm

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Speaker 4: on a parenting pension single because I am a single parent.

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Speaker 4: Now additional to that income, I work for a startup

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Speaker 4: company and I worked directly for the CEO casually, so

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Speaker 4: I have to split that with my pension because if

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Speaker 4: I earn too much then I don't get the full pension.

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Speaker 1: Yeah, that makes it.

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Speaker 4: I also have eleven other streams of income.

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Speaker 1: Eleven I didn't know that many. I didn't even know

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Speaker 1: who are you hustle lady.

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Speaker 4: I know. So I just started a new job last

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Speaker 4: week in finance, which is kind of interesting.

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Speaker 1: Yes, queen, Yes, more women in finance. We love these

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Speaker 1: Well we're all women. How exciting.

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Speaker 4: There's only one male and he's like the tech dude.

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Speaker 1: Yeah, all right, that's fair. He can come, he can

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Speaker 1: come because on this is nice.

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Speaker 4: Yeah, so that's about twenty five thousand dollars a year.

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Speaker 4: And then I do like a like a side gig

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Speaker 4: where like I went for a Strata company where I

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Speaker 4: take their bins out once a week. It's very odd

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Speaker 4: that pays about two thousand dollars a year.

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Speaker 1: Hey, that's kind of cool. I didn't even know that,

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Speaker 1: Like that makes sense that that's a job because Strata

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Speaker 1: has someone doing that. Is that super easy to do?

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Speaker 1: Or how did you find that? Because I feel like

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Speaker 1: there might be some people listening who are like, oh,

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Speaker 1: two grand a year, i'd do that. I'll take your

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Speaker 1: bins out for that.

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Speaker 4: I went on Antaskar and I found this lady and

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Speaker 4: she's like, can you come every week? Like it is

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Speaker 4: an hour from my house, but it's ten minutes from

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Speaker 4: one of my officers at work.

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Speaker 1: Yeah, so I.

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Speaker 4: Was like, yeah, I'll come and so just take sixteen

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Speaker 4: bins out every week, one k down the driveway each time,

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Speaker 4: two in hand, Like incredible few dollars a week. That's

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Speaker 4: it's my petrol.

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Speaker 3: Like I didn't work out as well because you're walking

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Speaker 3: up in the next every time.

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Speaker 4: Yeah, my daughter loves to come and she'll like to

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Speaker 4: push the bins up there.

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Speaker 1: Oh my gosh. Free labor as well. We love to

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Speaker 1: see it, get it, get working early. I love that.

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Speaker 4: Yeah. So I also get child support. So that's four

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Speaker 4: dollars nine nine cents a day.

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Speaker 1: Is really child Yes, perhaps.

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Speaker 4: At seventeen hundred one seven hundred a year, that is

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Speaker 4: craz No, I'd to put our daycare so it didn't

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Speaker 4: cover the cost of that.

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Speaker 3: Can I ask for a little bit of context? Do

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Speaker 3: you have your daughter full time?

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Speaker 4: I do?

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Speaker 3: Yeah, it blows my mind. And sorry, I know we're

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Speaker 3: getting very off topic and we need to get that's

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Speaker 3: a question. But it is wild to me that as

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Speaker 3: a full time care who is taking on I would

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Speaker 3: assume all of the financial responsibility. Spoiler lit, babies aren't cheap.

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Speaker 3: They're very expensive. That the most that you can receive

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Speaker 3: is five bucks a day. I can't imagine that that's

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Speaker 3: going very far Like that is that's insane to me,

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Speaker 3: truly blowing my mind right now. Like I knew that

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Speaker 3: that was a thing, and it's one thing to understand

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Speaker 3: it and see it.

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Speaker 1: And you know, you see posts in our community of

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Speaker 1: people who are going through so many similar things to

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Speaker 1: you money dis I keep wanting to use people's names.

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Speaker 1: I like, I'm that person. But it just blows my

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Speaker 1: mind that there's no way of managing that, Like there's

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Speaker 1: no better way of just calculating it. Like it's just

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Speaker 1: you know, and obviously there's some kind of equation working

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Speaker 1: in the background, because like, what was it, four dollars

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Speaker 1: twenty five? Like that to me is inta oh okay,

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Speaker 1: sorry for dolls ninety ninety big spend to you. But

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Speaker 1: it just it makes no sense to me that that's

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Speaker 1: the calculation when we could so easily create a really

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Speaker 1: quick budget going all right, well, nappy's on average cost this,

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Speaker 1: let's you know, even just drop it down to you know,

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Speaker 1: the home brand nappies. All right, what does formula? What's

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Speaker 1: the cheapest tin of formula? All right? On average, babies

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Speaker 1: have like maybe two tins a week from what I understand,

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Speaker 1: like they don't even do that budget and then split

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Speaker 1: it by half and go all right, well you can

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Speaker 1: do half in your partner or ex partner can do half.

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Speaker 1: And it's just it makes no sense to me, and

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Speaker 1: it breaks because there are so many women in this

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Speaker 1: situation and you're clearly a hustler. But then on top

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Speaker 1: of that, you're like, well, I had to pull my

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Speaker 1: kid out of daycare because it just didn't make financial sense,

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Speaker 1: And like, what was daycare costing you a day?

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Speaker 4: One?

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Speaker 1: Eight and you got four ninety nine from your partner

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Speaker 1: to help with that?

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Speaker 4: Yeah?

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Speaker 1: Yeah, No, basically no, sir, it's a joke.

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Speaker 4: It doesn't matter what I earn because it's based on

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Speaker 4: what he earns and the percentage of care. So I

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Speaker 4: have one hundred percent care to her and you only

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Speaker 4: started paying this six months after we separated. Yeah, so

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Speaker 4: he's only really paid it from like January.

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Speaker 1: Yeah, so basically nothing and no real support in that way.

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Speaker 4: Yeah, So I pulled her out. She's getting really sick

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Speaker 4: and I just couldn't. It was like four hundred dollars

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Speaker 4: a month. Yeah, she went a total of I think

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Speaker 4: like nine days like her bookings and she went three

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Speaker 4: days of that because she's so sick.

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Speaker 1: The cool little honey.

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Speaker 4: Yeah.

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Speaker 1: So I'm like, we're just going to stop doing this

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Speaker 1: because it doesn't make sense. It doesn't make financial sense.

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Speaker 1: Tell me a little bit more about these other streams

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Speaker 1: of income that you have.

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Speaker 4: Okay, So I resell mostly baby things. Great, because I

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Speaker 4: live in a rural area, so I go to town

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Speaker 4: quite often. I'm on the border of Act yep. So

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Speaker 4: going to Act, there's always stuff on the side of

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Speaker 4: the road, and it's like a hobby ace, grab a friend,

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Speaker 4: grab my sister, and go on my big car. When

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Speaker 4: I had a big car and just like put stuff

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Speaker 4: in my car, stick in my garage and sell it.

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Speaker 4: And then I would use that money to pay for

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Speaker 4: her nappies. Yeah, I couldn't afford it, Especially before I

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Speaker 4: moved here, I couldn't afford it.

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Speaker 1: I know, saving stuff from landfill as well, which is great.

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Speaker 1: I feel like you're so resourceful, like single moms are

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Speaker 1: another bridge. Like you guys are next level. I love it.

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Speaker 1: Tell us about your other streams. I'm very here for this.

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Speaker 4: They're basically just like Survey's market research, my bin's job,

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Speaker 4: any air tasker jobs that come up. So I'm qualified

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Speaker 4: and business qualified in childcare admin do all those of things.

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Speaker 4: I'm not very creative, so I just do like the

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Speaker 4: physical labor like shovels on dirt and paid seven mill

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Speaker 4: of bucks. Yeah, and then I do card and bank

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Speaker 4: churning as well.

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Speaker 1: What's that?

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Speaker 4: So it's basically like you open a bank account, you

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Speaker 4: do all the things you need to do, pops some

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Speaker 4: money in there, use it a few times, you gain

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Speaker 4: the benefits of opening the card, and then you close

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Speaker 4: it off.

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Speaker 3: Oh yes, I see, So like credit cards that come

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Speaker 3: with like sign up bonuses and things like that.

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Speaker 1: Got it interesting? Do you know how much that impacts

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Speaker 1: your credit score? Though I'm just being financial advisor?

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Speaker 4: Oh really, My credit score is like in the seven

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Speaker 4: to eight hundred, and I don't have any other loans.

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Speaker 4: I've never bought a house, so it's just my phone

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Speaker 4: bill from like three years ago and those all.

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Speaker 2: Right.

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Speaker 1: Next money question I want to ask is what is

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Speaker 1: your big money goal?

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Speaker 4: So my initial goal was to buy a house, but

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Speaker 4: that so far from happening at this moment.

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Speaker 1: And that's okay.

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Speaker 4: My daughter and I have quite content who we are.

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Speaker 4: We're safe now and we're trying to just get on

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Speaker 4: with the day to day instead of what could happen

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Speaker 4: further down the track. So I have a car, that's

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Speaker 4: my first goal. My next goal as I'm getting in

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Speaker 4: visa line. So that's about eight thousand epic.

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Speaker 1: And then I want to ask you have a lot

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Speaker 1: of income streams, but do you have any investments.

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Speaker 4: I have Super, which has literally nothing in it because

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Speaker 4: I had to withdraw for like during COVID. I manually

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Speaker 4: put fifty dollars a fortnight in there to can top

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Speaker 4: it up, and I didn't get any top ups during

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Speaker 4: my matt leave or anything like that, so there's just

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Speaker 4: nothing for like four years.

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Speaker 1: Oh my gosh, how do you feel about that?

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Speaker 4: It's a bit sad, especially when I'm in a household

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Speaker 4: with family members who have like over you know, I'd

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Speaker 4: say one twenty my mum's got almost a million in Super,

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Speaker 4: So when she tells me that, I'm just like, I

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Speaker 4: like five thousand dollars.

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Speaker 1: Yeah, it's so hard.

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Speaker 4: Yeah, So it's like everything I've worked for in the past,

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Speaker 4: I'd say eight years is gone.

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Speaker 3: Yeah, but it's hard because you have to factor into

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Speaker 3: that and we'll dive into this again a little bit later.

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Speaker 3: But you've obviously gone through a little bit of a trauma,

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Speaker 3: and I don't think it's a bad thing that you've

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Speaker 3: prioritized your personal safety over That's the best thing some

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Speaker 3: of those other things, because if you don't have a future,

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Speaker 3: there's no point having money there for it, right.

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Speaker 4: Yeah, especially when financial abuse is such a I had

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Speaker 4: such a big presence. Yeah, and I didn't really know

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Speaker 4: what it was until my lawyer was pointed out to me. Yeah.

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Speaker 1: Yeah, and that's the painful part because you probably didn't realize, right, Yeah,

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Speaker 1: exactly exactly. So we'll get into that straight after the break.

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Speaker 1: But next question is do you have any debts?

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Speaker 4: I do I owe eight thousand dollars to a family member.

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Speaker 4: They helped me get a car so that it wasn't

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Speaker 4: up for grabs during my custody for my child.

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Speaker 1: Yeah, I don't have still yep.

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Speaker 4: And I'm about to buy laptop, so it's like a

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Speaker 4: future did Yeah, I need one new one for work

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Speaker 4: because my little MacBook does not cope with all of

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Speaker 4: the systems I'm using.

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Speaker 1: For Yeah, that is fair. There are a lot of

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Speaker 1: them as well. Next question, when and if you are

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Speaker 1: shopping online? Are you using shop back?

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Speaker 4: I do you shop back? Like religiously?

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Speaker 1: Feel like I do? Actually religious? Tell us?

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Speaker 4: How so I buy my petrol and shot back.

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Speaker 1: Your petrol shop back?

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Speaker 4: This is you?

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Speaker 1: Tell us?

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Speaker 4: So, I haven't heard anyone else do this someats.

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Speaker 1: I don't believe. I thought I was across like every possible.

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Speaker 1: I thought you were the wizard. But I've never heard

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Speaker 1: of petrol. Please tell me more.

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Speaker 4: No, So I have a Toyota. I bought a Toyota

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Speaker 4: at the beginning of the year. So Toyota is a

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Speaker 4: partner a Pole and they have their own discount system.

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Speaker 4: But so do shot back? Shot back has ampole? So

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Speaker 4: and I live in an area where there it takes

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Speaker 4: twenty minutes to get from one card to the other,

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Speaker 4: Like I, you know, it's very very small plays so

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Speaker 4: there's ampoles like everywhere.

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Speaker 1: So how do you do it?

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Speaker 4: Tell us? Like?

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Speaker 1: Do I just show my shot back at card at

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Speaker 1: am pole?

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Speaker 4: Like?

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Speaker 1: I don't know. I can't work out in my brain

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Speaker 1: how I would facilitate this.

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Speaker 4: So I pre purchase my petrol twenty five dollars at

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Speaker 4: a time, yep, every fortnight weekly. If I feel like

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Speaker 4: chucking an extra twenty five in but I do it

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Speaker 4: in advance, so I always have money for fuel. Yeah,

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Speaker 4: and I always have twenty five dollars for the next week.

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Speaker 4: So then I got I fill my car and I

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Speaker 4: either pay the difference or I use to cards and

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Speaker 4: then I get shot back on the petrol cards. So

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Speaker 4: I just go and scanm my petrol card from the

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Speaker 4: shot back app.

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Speaker 1: You are so smart. I am one hundred million. Thank

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Speaker 1: you so much for around the corner from a house

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Speaker 1: literally wild catch you with the bowser all right. Next question,

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Speaker 1: I want to know what is your best money habit.

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Speaker 4: I think education, Like that sounds very privileged, but I

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Speaker 4: think I know where everything kind of is in my area. Again,

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Speaker 4: I think that just comes with living in a small area.

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Speaker 4: But I know that, like I can get nappies from

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Speaker 4: wor Worse instead of Oh well, I can get them

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Speaker 4: from a big w instead of Worse if I wanted to,

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Speaker 4: and they're the same price, so I don't have to

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Speaker 4: do that extra trip. Or like I know, so my

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Speaker 4: fish tank broke, for example, I just contacted came out

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Speaker 4: and I was like, hey, my fish tank broke, and

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Speaker 4: they're like, okay, we'll raise it for free.

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Speaker 1: Instead of just going out and buying wine buy Why Yeah,

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Speaker 1: you know how to be resourceful? Yeah yeah, I think

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Speaker 1: that's so smart, Like that is such a good money

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Speaker 1: win skill because so many of us would just like

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Speaker 1: be like, oh fish tank broke, like gotta buy, gotta

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Speaker 1: buy a new one. Like I'm very guilty of that

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Speaker 1: sometimes when I should take things back because I'm like,

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Speaker 1: I just I hate asking for a refund. I hate

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Speaker 1: doing that. You probably surprising coming from me, given I'm

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Speaker 1: the most audacious, funny person you've probably ever met. But

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Speaker 1: I just don't like that interaction. But I also know

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Speaker 1: that that's what I should be doing. So when people

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Speaker 1: like I'm good at that, I'm like, I wish I

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Speaker 1: had more of your confidence. I hate going up to

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Speaker 1: the front desk.

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Speaker 4: Yeah, it's like red rolls are cheaper at Coals to

348
00:16:25,520 --> 00:16:28,080
Speaker 4: buy them individually than they are dependment Baker's delight by

349
00:16:28,360 --> 00:16:33,960
Speaker 4: like twenty cents, so really coals. Yeah, so it's just like.

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Speaker 1: Knowing where to go and what to do.

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Speaker 4: Yeah.

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Speaker 1: Yeah, oh my gosh, I love that.

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Speaker 4: Especially have a crying baby.

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Speaker 1: Oh yeah, I was gonna say. That's actually such an

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Speaker 1: important point as well, because like mums sometimes just rely

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Speaker 1: on convenience, and you're like, I can even do this

357
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Speaker 1: while she's screaming this is great. I'm a genius flipping

358
00:16:52,800 --> 00:16:55,560
Speaker 1: this on its head. What is your worst money habit?

359
00:16:55,960 --> 00:17:01,880
Speaker 4: Probably food, I think everyone likes too, at least like

360
00:17:01,880 --> 00:17:04,200
Speaker 4: a little splurge on food. I guess because I'm vegan.

361
00:17:04,320 --> 00:17:10,639
Speaker 4: Food's really expensive, yes, and I choose to eat gluten

362
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Speaker 4: free options because I have an autoimune condition so that

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00:17:14,320 --> 00:17:16,359
Speaker 4: it makes it even more expensive. But I'm just like,

364
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Speaker 4: oh my god, a new vegan thing.

365
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Speaker 3: I have that.

366
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Speaker 4: Oh, Someone's like, do you want to go out? I'm

367
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Speaker 4: just like, yeah, I have that that.

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Speaker 1: Like, yeah, it's so hard when it comes out.

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Speaker 4: And then I look at my bank account and I'm like,

370
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Speaker 4: I ate all that awayeees.

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00:17:28,320 --> 00:17:30,520
Speaker 1: Yeah, not great. But I feel like a lot of

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00:17:30,600 --> 00:17:33,720
Speaker 1: us can probably relate to that, because I definitely did.

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Speaker 1: The second I see a new plant based option, I'm like,

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Speaker 1: I'm gonna get that. That is great, And gluten free

375
00:17:39,040 --> 00:17:42,720
Speaker 1: bread is ridiculously expensive for no good reason. Kind of

376
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Speaker 1: rude money diarist. Last question of the set of questions

377
00:17:46,720 --> 00:17:48,480
Speaker 1: before we do a bit more of a deep dive,

378
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Speaker 1: is what grade would you give your money habits. If

379
00:17:51,240 --> 00:17:53,960
Speaker 1: we forced you to give yourself a grade, probably like

380
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Speaker 1: a bee.

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Speaker 4: I was like, I'm a really good saver, Like I

382
00:17:57,800 --> 00:18:02,040
Speaker 4: save more than eighty percent ofway income every single fortnight. Yeah,

383
00:18:02,119 --> 00:18:07,240
Speaker 4: I do. And I am very frugal. So I only

384
00:18:07,280 --> 00:18:09,040
Speaker 4: buy things when I absolutely want them or I have

385
00:18:09,119 --> 00:18:11,199
Speaker 4: been thinking about them for a long time, and I

386
00:18:11,280 --> 00:18:15,280
Speaker 4: always maybe it's stingy, but when it comes to my daughter,

387
00:18:16,240 --> 00:18:20,720
Speaker 4: like she has my family who give her everything she wants,

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00:18:20,760 --> 00:18:23,320
Speaker 4: so when she wants something, it's like either on the

389
00:18:23,400 --> 00:18:26,160
Speaker 4: chipper side, or I'll pull out something from a storage

390
00:18:26,200 --> 00:18:26,920
Speaker 4: container and be.

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Speaker 1: Like here, yeah, yeah, epic everything like that.

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Speaker 4: Yeah, So I tend not to buy things for her.

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Speaker 1: Yeah, that's fair. That's fair. I've heard of. Is it

394
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Speaker 1: toy recycling where you're like, oh sorry, toy cycling where

395
00:18:41,359 --> 00:18:43,320
Speaker 1: you like hide their toys from them and then they

396
00:18:43,359 --> 00:18:45,200
Speaker 1: think that they're new again. It's like a big people

397
00:18:45,359 --> 00:18:47,000
Speaker 1: do that to me with clothes. I feel like I

398
00:18:47,040 --> 00:18:49,720
Speaker 1: should actually get into the habit of cycle them through.

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Speaker 3: I think it's a montessory thing where you have a

400
00:18:52,000 --> 00:18:54,360
Speaker 3: set amount out because kids only focus on a certain

401
00:18:54,440 --> 00:18:56,320
Speaker 3: number of things at a time and then they forget

402
00:18:56,320 --> 00:18:58,480
Speaker 3: what's put away and then it's like it's brand new again.

403
00:18:58,480 --> 00:19:00,320
Speaker 3: You're right, like, why would you buy something when you

404
00:19:00,359 --> 00:19:02,240
Speaker 3: can just pull it out two months later they're.

405
00:19:02,119 --> 00:19:04,280
Speaker 1: Like, oh my god, this is the best toy ever.

406
00:19:04,520 --> 00:19:05,720
Speaker 1: You're literally going to be the best.

407
00:19:05,800 --> 00:19:06,000
Speaker 3: Mum.

408
00:19:06,200 --> 00:19:07,840
Speaker 1: I don't want to talk about it. Let's go to

409
00:19:07,880 --> 00:19:09,320
Speaker 1: a break and then we're going to deep dive on

410
00:19:09,359 --> 00:19:12,159
Speaker 1: our money direst because I just feel like I'm going

411
00:19:12,240 --> 00:19:14,600
Speaker 1: to look like a terrible future mum. I continue here.

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00:19:14,720 --> 00:19:22,760
Speaker 1: All right, all right, we are back money Diarist. You

413
00:19:23,000 --> 00:19:25,520
Speaker 1: have a really interesting money story that I think a

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00:19:25,560 --> 00:19:28,040
Speaker 1: lot of our community can really connect with. You're a

415
00:19:28,080 --> 00:19:30,600
Speaker 1: single mum, You've been through a lot to get to

416
00:19:30,640 --> 00:19:32,879
Speaker 1: this stage. You have a gorgeous two, your old daughter.

417
00:19:32,960 --> 00:19:37,640
Speaker 1: Now you have eleven streams of income, which is beyond impressive.

418
00:19:38,160 --> 00:19:41,399
Speaker 1: Obviously they're all small and all require work and energy

419
00:19:41,440 --> 00:19:44,400
Speaker 1: and effort, and I'm genuinely so impressed. But I want

420
00:19:44,440 --> 00:19:47,320
Speaker 1: to know a bit more about your situation. In your

421
00:19:47,400 --> 00:19:50,359
Speaker 1: money diary, you wrote in and said, look, I've gotten

422
00:19:50,400 --> 00:19:54,360
Speaker 1: out of a domestically violent relationship. How did you decide

423
00:19:54,440 --> 00:19:56,879
Speaker 1: that now was the time? I just can't I'm going

424
00:19:56,960 --> 00:19:59,360
Speaker 1: to go live with my parents, and you know this

425
00:19:59,480 --> 00:20:00,480
Speaker 1: is my re reality.

426
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Speaker 4: I guess the option to leave my relationship was forced

427
00:20:05,080 --> 00:20:06,960
Speaker 4: upon me. So I was the one who ended my

428
00:20:07,080 --> 00:20:10,520
Speaker 4: relationship because I had put up with over a year

429
00:20:10,640 --> 00:20:13,080
Speaker 4: of trying to the point where it was like I

430
00:20:13,080 --> 00:20:15,320
Speaker 4: was just flogging that dead horse. I was just trying

431
00:20:15,359 --> 00:20:18,160
Speaker 4: for no absolutely no reason, just to keep my daughter

432
00:20:18,760 --> 00:20:23,760
Speaker 4: safe and happy and give her that fairy tale family

433
00:20:23,840 --> 00:20:25,440
Speaker 4: because I didn't want her to grow up in a

434
00:20:25,480 --> 00:20:28,440
Speaker 4: broken home, and that clouded my judgment on how I

435
00:20:28,480 --> 00:20:32,639
Speaker 4: felt about the situation for so long. So we just

436
00:20:32,720 --> 00:20:35,640
Speaker 4: kind of came to a flat end. Like it's quite

437
00:20:35,640 --> 00:20:38,600
Speaker 4: hard to explain because it all just went, but like

438
00:20:38,640 --> 00:20:42,040
Speaker 4: it just everything died off. The relationship died off, the

439
00:20:42,040 --> 00:20:45,280
Speaker 4: communication died off, the quality of time died off, the

440
00:20:45,359 --> 00:20:48,639
Speaker 4: quality of care for my daughter died off. There was

441
00:20:49,119 --> 00:20:50,760
Speaker 4: a lot of throwing things, a lot of shouting, a

442
00:20:50,800 --> 00:20:53,679
Speaker 4: lot of things that just were not sitting well with me,

443
00:20:53,840 --> 00:20:55,879
Speaker 4: to the point where I was like, you need to leave.

444
00:20:56,560 --> 00:20:59,199
Speaker 4: And then he took his clothes, his PS four and

445
00:20:59,280 --> 00:21:00,000
Speaker 4: never came back.

446
00:21:00,960 --> 00:21:01,280
Speaker 1: Wow.

447
00:21:01,320 --> 00:21:04,040
Speaker 4: Because we lived in a rental, I couldn't afford that

448
00:21:04,080 --> 00:21:06,520
Speaker 4: on my own course. So then I had to leave

449
00:21:07,160 --> 00:21:09,800
Speaker 4: and I had to take everything we owned with me.

450
00:21:10,320 --> 00:21:12,760
Speaker 1: Yeah, that's a lot to carry, that's a lot to

451
00:21:12,840 --> 00:21:13,480
Speaker 1: go through.

452
00:21:13,680 --> 00:21:16,119
Speaker 4: It was quite hard. It took over six months to

453
00:21:16,160 --> 00:21:19,040
Speaker 4: sell everything I owned in a storage unit, plus paying

454
00:21:19,040 --> 00:21:21,960
Speaker 4: for storage. And I didn't want to go back to

455
00:21:22,040 --> 00:21:25,280
Speaker 4: my family. I didn't have anywhere else to go either,

456
00:21:25,520 --> 00:21:28,199
Speaker 4: and that person kept showing up at my house and

457
00:21:28,280 --> 00:21:32,520
Speaker 4: demanding to see my child, and that was just too much.

458
00:21:32,560 --> 00:21:35,320
Speaker 4: So I got a lawyer involved.

459
00:21:35,080 --> 00:21:38,160
Speaker 1: Which is very fair and a very intelligent step. How

460
00:21:38,200 --> 00:21:39,199
Speaker 1: did that go for you?

461
00:21:39,720 --> 00:21:45,680
Speaker 4: That was difficult, I guess because I had gone from

462
00:21:45,720 --> 00:21:49,560
Speaker 4: having a lot of savings to having no savings, to

463
00:21:49,680 --> 00:21:54,640
Speaker 4: having my own money which he wasn't able to access,

464
00:21:54,640 --> 00:21:57,680
Speaker 4: which is another issue of our relationship, to then having

465
00:21:57,760 --> 00:22:00,399
Speaker 4: to give it all away and not have any safety

466
00:22:00,400 --> 00:22:04,400
Speaker 4: in it, and not have any thing for myself. We

467
00:22:04,440 --> 00:22:07,360
Speaker 4: also live in a small area. Like I said, every

468
00:22:07,400 --> 00:22:09,480
Speaker 4: time I call up there would be like, okay, let

469
00:22:09,480 --> 00:22:11,320
Speaker 4: me take your name down, here's my name. Let me

470
00:22:11,359 --> 00:22:14,280
Speaker 4: take his name down, here's his name. Oh sorry, conflict

471
00:22:14,320 --> 00:22:16,879
Speaker 4: of interest. We can't help you. Oh sorry, conflict of interests.

472
00:22:16,880 --> 00:22:18,840
Speaker 4: We can't help you. So I was kept getting.

473
00:22:18,600 --> 00:22:23,360
Speaker 1: Roadblocks, and that's because your partner had spoken to that lawyer, right, yes,

474
00:22:23,400 --> 00:22:26,320
Speaker 1: And was that a strategy he had implemented on purpose

475
00:22:26,400 --> 00:22:28,560
Speaker 1: or was that a strategy that he'd just had a

476
00:22:28,640 --> 00:22:30,959
Speaker 1: chat with a few lawyers, because I know that in

477
00:22:31,000 --> 00:22:34,440
Speaker 1: situations like that sometimes one party will inquire with a

478
00:22:34,520 --> 00:22:36,920
Speaker 1: lawyer to block the other party out from using them.

479
00:22:36,960 --> 00:22:38,399
Speaker 4: I think it's a bit of both. I mean, we

480
00:22:38,560 --> 00:22:42,399
Speaker 4: suspect that he did a lot of manipulation, but we

481
00:22:42,480 --> 00:22:46,560
Speaker 4: also don't think he is smart enough to manipulate. So

482
00:22:48,000 --> 00:22:51,960
Speaker 4: it's a bit of like a don't give yeah, it's

483
00:22:52,000 --> 00:22:53,360
Speaker 4: more of an assumption, I suppose.

484
00:22:53,520 --> 00:22:55,920
Speaker 3: I want to ask a little bit about your being

485
00:22:55,960 --> 00:22:58,080
Speaker 3: on welfare, because we actually put out I don't remember

486
00:22:58,080 --> 00:23:01,159
Speaker 3: if you responded specifically to this host potentially, but we

487
00:23:01,240 --> 00:23:03,720
Speaker 3: wanted to talk to a diarist who was living off

488
00:23:03,760 --> 00:23:06,359
Speaker 3: of welfare because I think that there's a really big

489
00:23:06,720 --> 00:23:11,239
Speaker 3: stigma attached to people who utilize welfare resources, and I

490
00:23:11,280 --> 00:23:14,920
Speaker 3: think that often people carry shame with them that they

491
00:23:15,000 --> 00:23:18,040
Speaker 3: absolutely just shouldn't have to. I want to know for you,

492
00:23:18,080 --> 00:23:22,040
Speaker 3: how did you feel going from obviously an incredibly challenging

493
00:23:22,080 --> 00:23:23,840
Speaker 3: situation you said you didn't want to move back in

494
00:23:23,840 --> 00:23:26,760
Speaker 3: with your parents, you maybe felt a little bit stuck.

495
00:23:27,160 --> 00:23:30,400
Speaker 3: Did you experience any of those feelings and how did

496
00:23:30,400 --> 00:23:31,920
Speaker 3: you kind of move past them.

497
00:23:32,480 --> 00:23:37,200
Speaker 4: I definitely did experience some stigma with being on welfare

498
00:23:37,280 --> 00:23:41,640
Speaker 4: because my family are very against welfare. So both of

499
00:23:41,760 --> 00:23:46,640
Speaker 4: my parents' parents have been on welfare basically their whole lives,

500
00:23:46,720 --> 00:23:49,640
Speaker 4: especially my dad's family. I don't think they've ever worked

501
00:23:49,640 --> 00:23:53,399
Speaker 4: today in their life. So my mom especially, she looked

502
00:23:53,400 --> 00:23:56,880
Speaker 4: down on welfare, and I didn't want her to look

503
00:23:56,920 --> 00:24:01,080
Speaker 4: down on me. But as our relationship started to mend

504
00:24:01,119 --> 00:24:04,320
Speaker 4: itself by having my daughter, by being in the house,

505
00:24:04,400 --> 00:24:06,439
Speaker 4: by talking to her about what actually goes on in

506
00:24:06,480 --> 00:24:09,440
Speaker 4: my life when I think what I feel being diagnosed

507
00:24:09,480 --> 00:24:13,960
Speaker 4: with the exact same autoimmune condition. It opened up her

508
00:24:14,080 --> 00:24:18,120
Speaker 4: eyes to what my life can be now that I'm

509
00:24:18,160 --> 00:24:20,960
Speaker 4: on welfare because I have stability, I have the option

510
00:24:21,119 --> 00:24:23,240
Speaker 4: to stay in bed an extra bit longer, I have

511
00:24:23,320 --> 00:24:25,479
Speaker 4: the option to go to the park for five hours

512
00:24:25,520 --> 00:24:31,160
Speaker 4: instead of one like It helped her see the benefit,

513
00:24:31,600 --> 00:24:34,119
Speaker 4: although she still does see the downfall. And I think

514
00:24:34,400 --> 00:24:36,919
Speaker 4: when I tell people like, oh, I'm on welfare, no,

515
00:24:36,960 --> 00:24:38,639
Speaker 4: you can't get a colone. No, you can't get a

516
00:24:38,640 --> 00:24:42,080
Speaker 4: home load. So it stopped me progressing in my future

517
00:24:42,119 --> 00:24:42,480
Speaker 4: as well.

518
00:24:42,560 --> 00:24:44,359
Speaker 1: Yeah, of course, Yeah.

519
00:24:44,240 --> 00:24:46,640
Speaker 4: It's a bit. I don't know. It's hard to tell

520
00:24:46,680 --> 00:24:48,560
Speaker 4: people when they're like, oh, what do you do And

521
00:24:48,600 --> 00:24:52,480
Speaker 4: I'm like, I'm a stay at home mum, because they're like, oh,

522
00:24:53,000 --> 00:24:54,800
Speaker 4: you're a stay at home mum. It's like, actually, my

523
00:24:54,920 --> 00:24:57,520
Speaker 4: daughter and I both the happiest we have been in

524
00:24:57,560 --> 00:25:00,719
Speaker 4: our entire lives. And she's safe because I don't have

525
00:25:00,760 --> 00:25:03,720
Speaker 4: to leave, yeah, because I can stay home. Yeah.

526
00:25:03,720 --> 00:25:05,680
Speaker 1: And I think that that's so important to point out

527
00:25:05,680 --> 00:25:07,960
Speaker 1: as well, because for a lot of people who are

528
00:25:08,000 --> 00:25:10,720
Speaker 1: on welfare, it's not a choice, Like you didn't choose

529
00:25:10,760 --> 00:25:13,199
Speaker 1: to go down this rooge. Like, I'm sure in a

530
00:25:13,240 --> 00:25:15,399
Speaker 1: perfect world that is not how you wanted it to

531
00:25:15,480 --> 00:25:17,679
Speaker 1: work out, but it is how it works out. And

532
00:25:17,720 --> 00:25:20,440
Speaker 1: I'm genuinely so grateful we live in a country where

533
00:25:20,960 --> 00:25:24,280
Speaker 1: we have that support that you can stay at home.

534
00:25:24,320 --> 00:25:27,280
Speaker 1: And it sounds like you are an absolute hustler as well,

535
00:25:27,640 --> 00:25:30,240
Speaker 1: so I don't think that's going to be your reality forever.

536
00:25:30,720 --> 00:25:33,440
Speaker 1: So it's so nice that you've got that bridging finance

537
00:25:33,480 --> 00:25:35,359
Speaker 1: in a way to go do you know what, here's

538
00:25:35,480 --> 00:25:37,159
Speaker 1: this so you can get on your feet and you

539
00:25:37,200 --> 00:25:40,359
Speaker 1: can have the stability and then you can thrive later.

540
00:25:40,920 --> 00:25:43,280
Speaker 1: And I think that that's, you know, the way a

541
00:25:43,280 --> 00:25:46,360
Speaker 1: lot of our community sees welfare and sees that thing,

542
00:25:46,480 --> 00:25:48,840
Speaker 1: like whether you're on what is it youth allowance or

543
00:25:48,880 --> 00:25:51,480
Speaker 1: you know, a parenting pension or a disability payment, like

544
00:25:51,800 --> 00:25:54,560
Speaker 1: most of us are in that situation. Because it's just

545
00:25:55,080 --> 00:25:57,560
Speaker 1: the situation. It is what it is, and that's great.

546
00:25:58,480 --> 00:26:01,159
Speaker 1: Let's also work on ourselves, work out where we actually

547
00:26:01,200 --> 00:26:03,320
Speaker 1: want to be, because I think that there's this stigma

548
00:26:03,320 --> 00:26:05,480
Speaker 1: when you say welfare that you go, oh, well, you

549
00:26:05,520 --> 00:26:07,840
Speaker 1: just missed be a doll b lodger, when that's actually

550
00:26:07,920 --> 00:26:12,040
Speaker 1: not the case at all. It's so situational, and I

551
00:26:12,080 --> 00:26:14,879
Speaker 1: feel like too many people just assume the worst the

552
00:26:14,960 --> 00:26:16,919
Speaker 1: second you say that word, and that's not what that

553
00:26:17,000 --> 00:26:20,840
Speaker 1: means at all. Like the idea that welfare exists and

554
00:26:21,040 --> 00:26:24,560
Speaker 1: this beautiful mum got out of a financially and you know,

555
00:26:25,040 --> 00:26:29,560
Speaker 1: domestically violent situation and now can support her child, I'm

556
00:26:29,600 --> 00:26:30,119
Speaker 1: all for.

557
00:26:30,000 --> 00:26:32,800
Speaker 3: It, yeah, one thousand percent. And it doesn't mean that

558
00:26:33,280 --> 00:26:35,560
Speaker 3: you have to sit there forever either. You said just

559
00:26:35,600 --> 00:26:37,880
Speaker 3: before that, you know, you kind of had to put

560
00:26:37,920 --> 00:26:40,480
Speaker 3: your career on hold. What do you want your future

561
00:26:40,520 --> 00:26:41,879
Speaker 3: to look like? What are your plans?

562
00:26:42,359 --> 00:26:45,439
Speaker 4: So I guess, like, as I said before, I'm just

563
00:26:45,760 --> 00:26:47,760
Speaker 4: like starting to dip my toes in finance. So I

564
00:26:47,800 --> 00:26:53,840
Speaker 4: started looking into personal finance for myself. And so I

565
00:26:53,880 --> 00:26:57,520
Speaker 4: made a shift. It's very interesting shift, and I was

566
00:26:57,560 --> 00:26:59,480
Speaker 4: explaining it to my current CEO and she's like, I

567
00:26:59,480 --> 00:27:01,919
Speaker 4: don't get it. So I worked in childcare for eight years.

568
00:27:01,960 --> 00:27:04,800
Speaker 4: I worked on the floor with children every day. I

569
00:27:04,840 --> 00:27:09,119
Speaker 4: then ran my own center and then got pregnant after

570
00:27:09,200 --> 00:27:12,480
Speaker 4: a year and a half of being with somebody, and

571
00:27:12,520 --> 00:27:14,400
Speaker 4: then by the time she was three months, he was gone.

572
00:27:14,680 --> 00:27:17,439
Speaker 4: So I was like, I can't cope being with the children.

573
00:27:17,480 --> 00:27:20,560
Speaker 4: It's too trickering considering we do the same job. There's

574
00:27:20,600 --> 00:27:24,520
Speaker 4: a lot of downfalls to being with children all day,

575
00:27:24,600 --> 00:27:26,840
Speaker 4: every day when you're just not mentally coping.

576
00:27:27,520 --> 00:27:27,720
Speaker 1: Yep.

577
00:27:27,800 --> 00:27:30,280
Speaker 4: I went and looked for an alternative job, which was

578
00:27:30,320 --> 00:27:33,439
Speaker 4: in admin. So I had done my business certificate and

579
00:27:33,480 --> 00:27:35,840
Speaker 4: I started working in admin. And then my boss was

580
00:27:35,880 --> 00:27:39,720
Speaker 4: like telling me all about how they split the cost

581
00:27:39,920 --> 00:27:43,160
Speaker 4: of the parents and their children and what room gets,

582
00:27:43,200 --> 00:27:45,080
Speaker 4: what and I found that really interesting. So then I

583
00:27:45,080 --> 00:27:48,320
Speaker 4: started my personal finance journey. So then I started at

584
00:27:48,320 --> 00:27:50,440
Speaker 4: the beginning of the year that I would try out

585
00:27:50,480 --> 00:27:54,359
Speaker 4: working in finance. I started studying in finance, and I

586
00:27:54,359 --> 00:27:56,280
Speaker 4: guess that's where I'm going to go with my career.

587
00:27:56,400 --> 00:28:00,160
Speaker 4: I've gone away from working in a school age environ

588
00:28:00,200 --> 00:28:03,800
Speaker 4: and childcare environment to working more with my mind and

589
00:28:03,840 --> 00:28:06,200
Speaker 4: less with my body. And I think having an auto

590
00:28:06,200 --> 00:28:10,399
Speaker 4: imane condition. I can't do the long hours. I don't

591
00:28:10,400 --> 00:28:13,720
Speaker 4: have the energy to be with other people's children. I

592
00:28:13,800 --> 00:28:16,399
Speaker 4: barely have enough for myself after I've been with my

593
00:28:16,480 --> 00:28:19,320
Speaker 4: daughter all day. So that's where my life's going to go.

594
00:28:19,800 --> 00:28:23,280
Speaker 4: So I'm more focused on being happy and present. And

595
00:28:23,520 --> 00:28:27,520
Speaker 4: because my case is not officially closed, so he's gone.

596
00:28:27,800 --> 00:28:30,320
Speaker 4: Don't know how he went. He just disappeared. He least

597
00:28:30,320 --> 00:28:32,800
Speaker 4: twenty minutes down the road, which is very scary, so

598
00:28:32,840 --> 00:28:34,639
Speaker 4: he can shot up and just take my daughter whenever

599
00:28:34,680 --> 00:28:37,800
Speaker 4: he wants. So I just trying to try and be present.

600
00:28:38,840 --> 00:28:41,880
Speaker 4: And yeah, that's why I guess I stayed on welfare,

601
00:28:41,920 --> 00:28:44,520
Speaker 4: because although I love to work and I love to learn,

602
00:28:45,720 --> 00:28:48,440
Speaker 4: if I want to have an extra day to just

603
00:28:48,520 --> 00:28:51,560
Speaker 4: be with her, then I can and I won't regret

604
00:28:51,640 --> 00:28:53,680
Speaker 4: it if something were to happen. Yeah.

605
00:28:53,720 --> 00:28:57,600
Speaker 1: Wow, thank you for sharing that. That's really challenging to

606
00:28:57,640 --> 00:29:00,600
Speaker 1: think that that's overlaid onto your decision to go. Do

607
00:29:00,600 --> 00:29:02,960
Speaker 1: you know what, I just want to stay here doing

608
00:29:03,000 --> 00:29:05,480
Speaker 1: this for now, to be present for my daughter. It's

609
00:29:05,480 --> 00:29:08,120
Speaker 1: a very special decision to be able to make, and

610
00:29:08,160 --> 00:29:11,360
Speaker 1: I'm sure that she is absolutely thrilled by that decision

611
00:29:12,760 --> 00:29:14,920
Speaker 1: the time. She's like, this is the best I am

612
00:29:15,000 --> 00:29:17,800
Speaker 1: living my best life. But what will it mean in

613
00:29:17,840 --> 00:29:20,000
Speaker 1: the future. You said your case isn't closed. Is that

614
00:29:20,080 --> 00:29:23,360
Speaker 1: circumstance going to change significantly? Maybe once it is.

615
00:29:24,000 --> 00:29:28,280
Speaker 4: It's hard to say because I don't know if her

616
00:29:28,320 --> 00:29:32,800
Speaker 4: father will return. Like like I said, he lives very

617
00:29:32,840 --> 00:29:36,680
Speaker 4: close he you know, he's always on the topic of

618
00:29:36,720 --> 00:29:39,560
Speaker 4: her life for her. He can just show up and

619
00:29:39,600 --> 00:29:43,080
Speaker 4: take her. The case is not officially closed, no letter

620
00:29:43,160 --> 00:29:45,160
Speaker 4: saying hey, you're going to full time parent. It's just

621
00:29:45,200 --> 00:29:47,239
Speaker 4: an expectation that I do and I have done it

622
00:29:47,280 --> 00:29:50,200
Speaker 4: since the day she was born. So if he was

623
00:29:50,240 --> 00:29:52,760
Speaker 4: to show up, that would be a lot of money

624
00:29:52,800 --> 00:29:55,400
Speaker 4: to fork out as well. Like they told me last

625
00:29:55,480 --> 00:29:57,560
Speaker 4: year that if I was to go to court. I'd

626
00:29:57,600 --> 00:30:01,160
Speaker 4: probably not win. I'd probably end up we shared care

627
00:30:01,200 --> 00:30:03,280
Speaker 4: and it would cost me one hundred thousand dollars. And

628
00:30:03,800 --> 00:30:08,680
Speaker 4: if I'm not showing that I'm being true to supporting

629
00:30:08,720 --> 00:30:11,400
Speaker 4: their relationship, I then have to pay his bill as well.

630
00:30:11,840 --> 00:30:14,840
Speaker 4: Yeah wow, Yeah, and lawyers are not cheap. My lawyer

631
00:30:15,000 --> 00:30:17,800
Speaker 4: is like five fifteen hour and she charges every six minutes.

632
00:30:18,320 --> 00:30:20,400
Speaker 1: Yeah for her time. Yeah, that's crazy.

633
00:30:20,560 --> 00:30:23,840
Speaker 4: Yeah. So I have to keep in mind that if

634
00:30:24,120 --> 00:30:26,760
Speaker 4: he was to return, it's not just an emotional thing,

635
00:30:26,800 --> 00:30:28,960
Speaker 4: it's also a financial thing. He'll be able to come

636
00:30:29,000 --> 00:30:31,240
Speaker 4: after everything I now own, He'll be able to get

637
00:30:31,480 --> 00:30:34,080
Speaker 4: my daughter. He'll be like, I'll be up for thousands

638
00:30:34,120 --> 00:30:36,760
Speaker 4: of dollars, possibly hundreds of thousand dollars if it goes

639
00:30:36,760 --> 00:30:39,880
Speaker 4: to court. So I just want to be present and

640
00:30:39,920 --> 00:30:41,280
Speaker 4: be with her until that happens.

641
00:30:41,640 --> 00:30:43,720
Speaker 1: That's such a hard decision to make. But I'm really

642
00:30:43,720 --> 00:30:46,520
Speaker 1: proud that you're so clear on what you are doing,

643
00:30:46,640 --> 00:30:49,800
Speaker 1: because I think historically when I've spoken to people about

644
00:30:49,880 --> 00:30:52,040
Speaker 1: similar situations, they're just like, I just don't know what

645
00:30:52,080 --> 00:30:54,560
Speaker 1: I want to do, And you seem so clear that

646
00:30:54,600 --> 00:30:56,160
Speaker 1: you're like, I just want to spend as much time

647
00:30:56,160 --> 00:30:58,040
Speaker 1: with my daughter and just be present. I think that

648
00:30:58,040 --> 00:31:00,480
Speaker 1: that's such a beautiful space to be in during a

649
00:31:00,520 --> 00:31:03,880
Speaker 1: time where you arguably have a lot of turmoil surrounding you,

650
00:31:04,040 --> 00:31:06,000
Speaker 1: Like that's a lot to deal with, but I think

651
00:31:06,000 --> 00:31:09,400
Speaker 1: you're doing a very beautiful job, my friend. Thank you

652
00:31:10,120 --> 00:31:13,080
Speaker 1: all right, Jess, I think unfortunately that is all we

653
00:31:13,160 --> 00:31:16,200
Speaker 1: have time for today, money direst. I have adored learning

654
00:31:16,240 --> 00:31:18,320
Speaker 1: about your story. Thank you for sharing so much of

655
00:31:18,720 --> 00:31:21,160
Speaker 1: yourself and your daughter's story with us. I think it's

656
00:31:21,160 --> 00:31:24,760
Speaker 1: been so powerful to understand where you're coming from and

657
00:31:24,800 --> 00:31:27,960
Speaker 1: how things are benefiting you, but also how it's so challenging.

658
00:31:28,000 --> 00:31:29,840
Speaker 1: Like I feel like so many people in our community

659
00:31:29,880 --> 00:31:32,360
Speaker 1: are really going to resonate with this story or even

660
00:31:32,480 --> 00:31:36,080
Speaker 1: just have a better understanding of people in your position.

661
00:31:36,200 --> 00:31:38,360
Speaker 1: So I'm really grateful that you were here today to

662
00:31:38,400 --> 00:31:43,000
Speaker 1: share that with us. So thank you, Jess. Can you

663
00:31:43,040 --> 00:31:44,800
Speaker 1: wrap the boring but important stuff?

664
00:31:44,840 --> 00:31:47,320
Speaker 3: Of course, don't forget, guys, the advice shared on She's

665
00:31:47,360 --> 00:31:49,640
Speaker 3: on the Money is generally nature and does not consider

666
00:31:49,680 --> 00:31:51,160
Speaker 3: your individual circumstances.

667
00:31:51,480 --> 00:31:52,480
Speaker 1: She's on the Money.

668
00:31:52,240 --> 00:31:55,200
Speaker 3: Exists purely for educational purposes and should not be relied

669
00:31:55,240 --> 00:31:58,000
Speaker 3: upon to make an investment or, a financial decision, and

670
00:31:58,080 --> 00:32:00,440
Speaker 3: we promise Victoria Devine and she's on the money. Are

671
00:32:00,440 --> 00:32:04,600
Speaker 3: authorized representatives of Infocused Securities Australia Proprietary Limited, A b

672
00:32:04,760 --> 00:32:07,200
Speaker 3: N four seven oh nine seven seven nine seven O

673
00:32:07,320 --> 00:32:09,920
Speaker 3: four nine AFS L two three six five two three.

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00:32:10,000 --> 00:32:11,240
Speaker 1: See you on Wednesday, guys.

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00:32:11,320 --> 00:32:13,320
Speaker 3: Bye,