1 00:00:00,200 --> 00:00:02,960 Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations 2 00:00:03,000 --> 00:00:07,280 Speaker 1: woman and I'm here to acknowledge country t Glenn Young 3 00:00:07,320 --> 00:00:11,159 Speaker 1: Ganya Nianar Kaka yah y and beIN Ahaka nian Our 4 00:00:11,240 --> 00:00:17,080 Speaker 1: gay In Mbini, yakarum Jar, Dominyamiga Umagahawakawaman, damon Imlan Mbaban 5 00:00:17,160 --> 00:00:20,040 Speaker 1: Gadabomba in and now in wakah Ghana on yak rum 6 00:00:20,120 --> 00:00:24,560 Speaker 1: Jar water Nata. Hello, beautiful friends, we gather on the 7 00:00:24,640 --> 00:00:27,920 Speaker 1: lands of the Aboriginal people. We thank acknowledge and respect 8 00:00:27,960 --> 00:00:30,880 Speaker 1: the Aberiginal people's land that we're gathering on today. Take 9 00:00:30,920 --> 00:00:33,680 Speaker 1: pleasure in all the land and respect all that you see. 10 00:00:34,600 --> 00:00:40,160 Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections, 11 00:00:40,960 --> 00:00:44,560 Speaker 1: bringing you the tools, knowledge and resources for you to thrive. 12 00:00:45,080 --> 00:00:47,840 Speaker 2: She's on the Money. She's on the Money. 13 00:01:07,959 --> 00:01:10,560 Speaker 3: Hello and welcome to She's on the Money, the podcast 14 00:01:10,640 --> 00:01:14,520 Speaker 3: that makes personal finance fun, especially on Fridays. It is 15 00:01:14,600 --> 00:01:16,520 Speaker 3: our favorite day of the week because we get to 16 00:01:16,560 --> 00:01:19,520 Speaker 3: get the team together and celebrate you the incredible She's 17 00:01:19,560 --> 00:01:22,280 Speaker 3: on the Money community, and yes you're hearing right, it's 18 00:01:22,440 --> 00:01:25,440 Speaker 3: just Ricky taking over today because unfortunately vd's and well, 19 00:01:26,000 --> 00:01:27,720 Speaker 3: I'm still going to be sharing all of my favorite 20 00:01:27,760 --> 00:01:30,360 Speaker 3: money wins and confessions, and Beck, who is also here, 21 00:01:30,520 --> 00:01:32,520 Speaker 3: is still going to share all of her best broke tips. 22 00:01:32,840 --> 00:01:35,480 Speaker 3: We're going to help answer a money dilemma, which is 23 00:01:35,520 --> 00:01:38,319 Speaker 3: a spicy one this week, all about splitting takeaway costs 24 00:01:38,360 --> 00:01:40,760 Speaker 3: at a friend's house, and something you slid into our 25 00:01:40,800 --> 00:01:43,800 Speaker 3: DMS about how you should handle clashes with your family 26 00:01:43,880 --> 00:01:46,520 Speaker 3: about differing money values on Christmas Day. 27 00:01:47,000 --> 00:01:51,200 Speaker 2: Oh, it's just us today. It is so nice. It's 28 00:01:51,200 --> 00:01:52,520 Speaker 2: always fun when we get to hang out. 29 00:01:52,560 --> 00:01:53,080 Speaker 1: I know it is. 30 00:01:53,160 --> 00:01:53,320 Speaker 4: Really. 31 00:01:53,760 --> 00:01:55,840 Speaker 2: You're so good at the intro. I guess I will 32 00:01:55,920 --> 00:01:57,720 Speaker 2: thank you. You're just like you just pick it up. 33 00:01:57,760 --> 00:01:58,520 Speaker 2: You just know what you're doing. 34 00:01:58,600 --> 00:02:00,760 Speaker 3: I feel like my intonation is exactly the same as 35 00:02:00,800 --> 00:02:02,040 Speaker 3: Victoria's because I've just heard it. 36 00:02:04,760 --> 00:02:08,320 Speaker 2: Very similar, but slightly different, totally. Oh my gosh, Well, 37 00:02:08,480 --> 00:02:11,760 Speaker 2: how's your weep? It's been lovely. Hi have done not 38 00:02:11,840 --> 00:02:14,320 Speaker 2: a whole lot, actually, just been plodding along the chaos 39 00:02:14,360 --> 00:02:18,720 Speaker 2: before Christmas. Oh gosh, lovely? Yes, how are you great? 40 00:02:18,800 --> 00:02:20,760 Speaker 2: I feel like everything is so magical this time of year. 41 00:02:20,800 --> 00:02:23,720 Speaker 2: You know, everything's so whimsyical. You do love a bit 42 00:02:23,720 --> 00:02:26,959 Speaker 2: of whimsy. I do love a bit of whimsy. Well, 43 00:02:27,120 --> 00:02:29,000 Speaker 2: I have a little bit of Christmas whimsy in this 44 00:02:29,040 --> 00:02:30,000 Speaker 2: week's five star review. 45 00:02:30,040 --> 00:02:32,200 Speaker 3: If you would like to hear it. I would love to, Alrighty. 46 00:02:32,240 --> 00:02:35,160 Speaker 3: It came from Bianca and she said, Hey, the Jess 47 00:02:35,240 --> 00:02:37,840 Speaker 3: and Beck. Because of everything you guys do for the community, 48 00:02:37,919 --> 00:02:40,079 Speaker 3: I wanted to give you a Christmas present of a 49 00:02:40,200 --> 00:02:41,160 Speaker 3: five star review. 50 00:02:41,400 --> 00:02:41,560 Speaker 2: Oh. 51 00:02:41,919 --> 00:02:43,920 Speaker 3: I'm ending the year in such a better way than 52 00:02:43,960 --> 00:02:46,000 Speaker 3: I started it off. From listening to you every week. 53 00:02:46,200 --> 00:02:47,959 Speaker 3: I've paid off my debt and I even have a 54 00:02:48,040 --> 00:02:48,800 Speaker 3: Chasia's account. 55 00:02:49,000 --> 00:02:49,680 Speaker 2: Thank you, queen. 56 00:02:50,000 --> 00:02:53,400 Speaker 3: Oh, that's so lovely, sweet. I just have the Christmas 57 00:02:53,440 --> 00:02:55,760 Speaker 3: warm fuzzies. I know it's in the middle of summer 58 00:02:55,919 --> 00:02:58,519 Speaker 3: and so you know, the traditional motif for Christmas is 59 00:02:58,600 --> 00:03:02,040 Speaker 3: a snowy winter, but I still get the cozy feeling. Yes, 60 00:03:02,120 --> 00:03:03,519 Speaker 3: and I don't really know how to explain it. 61 00:03:03,600 --> 00:03:05,799 Speaker 2: I know exactly what you mean. I still force I 62 00:03:05,960 --> 00:03:10,240 Speaker 2: forced myself hot cow a little chocolate moment. I'm sweating, 63 00:03:11,240 --> 00:03:13,519 Speaker 2: it's so hot. I'm like, well, you gott to, you know, 64 00:03:13,720 --> 00:03:14,079 Speaker 2: you got to. 65 00:03:14,240 --> 00:03:16,239 Speaker 3: I can't get behind the you know how they do 66 00:03:16,320 --> 00:03:19,239 Speaker 3: the Christmas decoration be Santa at like the beach or something. 67 00:03:19,520 --> 00:03:22,120 Speaker 2: Yeah, I don't like it. It's not for me. It's funny, 68 00:03:22,600 --> 00:03:25,040 Speaker 2: but it's not for me. I get it, I get it, 69 00:03:25,120 --> 00:03:28,040 Speaker 2: it's hot, but Santa has to be rugged up what 70 00:03:28,720 --> 00:03:30,079 Speaker 2: it is. I don't want to see the shirt off. 71 00:03:30,200 --> 00:03:31,079 Speaker 1: No, not to me. 72 00:03:31,360 --> 00:03:33,280 Speaker 2: I don't want to see people. But I think they 73 00:03:33,280 --> 00:03:36,080 Speaker 2: should be freed. Yeah, double life. Everyone except Santa Pa 74 00:03:36,720 --> 00:03:40,440 Speaker 2: except Sanda. Actually, oh my goodness. 75 00:03:40,520 --> 00:03:43,080 Speaker 3: Well with this week we have another fantastic question that 76 00:03:43,240 --> 00:03:45,080 Speaker 3: she's the money are sent into us. I love doing 77 00:03:45,120 --> 00:03:47,240 Speaker 3: this because I think it's so fun to do something 78 00:03:47,360 --> 00:03:51,720 Speaker 3: not finance related. Totally if you feel the same, but finances, 79 00:03:53,640 --> 00:03:55,600 Speaker 3: I don't know that we're all here for the finance, 80 00:03:55,640 --> 00:03:58,880 Speaker 3: and I get it, but especially with VD away fun 81 00:03:58,960 --> 00:04:02,000 Speaker 3: to talk a little something Elsey. So this week's question 82 00:04:02,080 --> 00:04:04,320 Speaker 3: is from Kylie and she wants to know what the 83 00:04:04,400 --> 00:04:07,280 Speaker 3: gloss is on our Christmas wish list this week. 84 00:04:07,440 --> 00:04:10,600 Speaker 2: Oh okay, okay, okay, what are you hoping to say 85 00:04:10,680 --> 00:04:14,440 Speaker 2: under the tree. Honestly, I'm a big fan of a 86 00:04:14,520 --> 00:04:17,960 Speaker 2: novelty gift and I'm doing like a slinky like a 87 00:04:18,000 --> 00:04:20,840 Speaker 2: squishy toy, which I know is really silly. Because like, okay, 88 00:04:21,160 --> 00:04:24,800 Speaker 2: choose something practical like a Dyson vacuum clean that was 89 00:04:24,839 --> 00:04:27,240 Speaker 2: something that was actually gonna help me my life. Yeah, 90 00:04:27,279 --> 00:04:29,599 Speaker 2: but I really really just want, like, you know, tho's 91 00:04:29,640 --> 00:04:32,400 Speaker 2: like those little balls. I think Victoria actually got some 92 00:04:32,520 --> 00:04:35,360 Speaker 2: for us a few years ago. I think so were 93 00:04:35,360 --> 00:04:37,080 Speaker 2: you like press it and takes a world to bounce back. 94 00:04:37,880 --> 00:04:43,880 Speaker 2: I love those things, that little novelty, ideally colorful, weird, 95 00:04:44,600 --> 00:04:46,479 Speaker 2: useless crap under the. 96 00:04:46,560 --> 00:04:49,200 Speaker 3: Tree you never lost, like the childlike wonder of Christmas, 97 00:04:49,400 --> 00:04:51,000 Speaker 3: and I feel like that's what kids really wanted to. 98 00:04:51,560 --> 00:04:53,920 Speaker 2: It's a silly thing. Just give me a box, a 99 00:04:54,000 --> 00:04:56,880 Speaker 2: give box, empty box. I'm happy with that. What about you? 100 00:04:58,080 --> 00:05:01,840 Speaker 3: I wish I was as chill as you. What was 101 00:05:01,920 --> 00:05:03,560 Speaker 3: on my Christmas this year? I still really want a 102 00:05:03,640 --> 00:05:07,520 Speaker 3: Ninja creamy Swell. I feel folding out for Boxing Day sales, 103 00:05:07,600 --> 00:05:09,920 Speaker 3: hoping like there's a really good sale on there. But 104 00:05:10,040 --> 00:05:12,120 Speaker 3: that's obviously a big gift. I wouldn't acpect somebody to 105 00:05:12,160 --> 00:05:15,880 Speaker 3: buy me that. I love Amazon gift card for my Kindle. 106 00:05:16,120 --> 00:05:17,800 Speaker 3: I feel like, because yes, you know that, I can 107 00:05:17,839 --> 00:05:18,719 Speaker 3: buy lots of books. 108 00:05:18,760 --> 00:05:19,039 Speaker 2: Books. 109 00:05:19,120 --> 00:05:21,560 Speaker 3: Add up, they're expensive, so true. Nice to be able 110 00:05:21,640 --> 00:05:23,640 Speaker 3: to just put it on a gift card. I love 111 00:05:23,640 --> 00:05:25,120 Speaker 3: a gift card generally for Christmas. 112 00:05:25,240 --> 00:05:25,520 Speaker 4: Me too. 113 00:05:25,880 --> 00:05:28,760 Speaker 2: I think we've said this before, but I'm pro gift 114 00:05:28,800 --> 00:05:31,479 Speaker 2: card completely. A gift card, I completely wait because then 115 00:05:31,520 --> 00:05:33,080 Speaker 2: you don't have like the pressure of spending it on 116 00:05:33,320 --> 00:05:35,320 Speaker 2: bills and responsible things. 117 00:05:35,360 --> 00:05:38,320 Speaker 3: Genuinely, which I feel like is what everybody does, especially 118 00:05:38,360 --> 00:05:40,479 Speaker 3: like this time of year when you're so short on money, 119 00:05:40,520 --> 00:05:42,679 Speaker 3: you go, oh, I should be responsible or buy somebody 120 00:05:42,720 --> 00:05:44,920 Speaker 3: else a present with that or something like that. 121 00:05:45,160 --> 00:05:47,719 Speaker 2: Yes, no, no, no, let's get rid of that mindset. 122 00:05:48,720 --> 00:05:52,160 Speaker 2: Fun the things. Only I don't have a fills of 123 00:05:52,240 --> 00:05:54,920 Speaker 2: car does fun things, fun things, and that is all. Well. 124 00:05:54,960 --> 00:05:57,200 Speaker 3: Speaking of fun things, I have some really great money 125 00:05:57,240 --> 00:05:59,640 Speaker 3: wins that I've pulled out of the community this week. 126 00:06:00,760 --> 00:06:01,920 Speaker 2: Please alrighty. 127 00:06:02,040 --> 00:06:04,719 Speaker 3: Firstly, I've got one from Rebecca who said my partner 128 00:06:04,760 --> 00:06:06,760 Speaker 3: and I wanted a coffee machine. So I entered a 129 00:06:06,800 --> 00:06:10,279 Speaker 3: competition and I ended up winning scored myself a coffee 130 00:06:10,320 --> 00:06:14,320 Speaker 3: machine worth eight hundred dollars, so that we've saved the 131 00:06:14,360 --> 00:06:16,160 Speaker 3: eight hundred dollars we would have spent on the machine, 132 00:06:16,200 --> 00:06:18,400 Speaker 3: and also the money that we're now not spending buying 133 00:06:18,440 --> 00:06:19,240 Speaker 3: coffees out. 134 00:06:19,320 --> 00:06:21,720 Speaker 2: Double money with God. That is so good and it's 135 00:06:21,720 --> 00:06:23,280 Speaker 2: a very fancy to here, and I know you're good 136 00:06:23,279 --> 00:06:24,960 Speaker 2: with a coffee machine. This is what it looks like. 137 00:06:25,120 --> 00:06:30,360 Speaker 3: She's very I did hundred dollars for sure. Next, I've 138 00:06:30,360 --> 00:06:32,120 Speaker 3: got a money win from Holly, who said, for the 139 00:06:32,240 --> 00:06:35,080 Speaker 3: first time in my adult life, I've canceled my credit 140 00:06:35,160 --> 00:06:38,240 Speaker 3: card and I'm only relying on cash. It's scary, as 141 00:06:38,279 --> 00:06:40,640 Speaker 3: I've always had a credit card as a just in case, 142 00:06:40,800 --> 00:06:41,840 Speaker 3: but it had to be done. 143 00:06:42,640 --> 00:06:44,719 Speaker 2: You got to do it. Are You're going to be fine? 144 00:06:44,880 --> 00:06:46,320 Speaker 2: And I'm really really proud of you. Yeah. 145 00:06:46,400 --> 00:06:48,480 Speaker 3: And you know, if you've got your emergency fund, that 146 00:06:48,560 --> 00:06:50,440 Speaker 3: will be your safety in it that maybe the exact 147 00:06:50,480 --> 00:06:53,119 Speaker 3: card would be typically so exactly if you haven't already. 148 00:06:53,200 --> 00:06:54,960 Speaker 3: Now has a really good time to start building that 149 00:06:55,080 --> 00:06:57,520 Speaker 3: one up. Next, I've got a money win from Emily, 150 00:06:57,600 --> 00:07:00,320 Speaker 3: who said she's sold a perfume that her ex bought 151 00:07:00,360 --> 00:07:03,400 Speaker 3: her on marketplace. It was ninety percent full, not her 152 00:07:03,480 --> 00:07:06,240 Speaker 3: cup of tea, and reminded her of him. She sold 153 00:07:06,279 --> 00:07:07,920 Speaker 3: it for fifty bucks. She's going to combine it with 154 00:07:07,960 --> 00:07:09,880 Speaker 3: a gift card she has from Mecca and treat herself 155 00:07:09,920 --> 00:07:13,440 Speaker 3: to a brand new one, beautiful new you new scent. 156 00:07:13,720 --> 00:07:16,720 Speaker 2: I completely agree in sense. Honestly, they can really take 157 00:07:16,760 --> 00:07:18,640 Speaker 2: you back to a bad time. So good for you. 158 00:07:18,840 --> 00:07:20,560 Speaker 3: I think that was a great choice and I have 159 00:07:20,600 --> 00:07:22,400 Speaker 3: a little feel at that one. Next, I've got a 160 00:07:22,440 --> 00:07:23,960 Speaker 3: money in from Peter who said they went to a 161 00:07:24,040 --> 00:07:26,720 Speaker 3: secondhand market for baby cloths and found a sleep sack 162 00:07:26,800 --> 00:07:30,000 Speaker 3: in great condition for a dollar fifty plus twelve outfits 163 00:07:30,040 --> 00:07:32,400 Speaker 3: their growing bub and they only spent fifty bucks. 164 00:07:32,480 --> 00:07:34,640 Speaker 2: It was so much cheaper than buying new. I didn't 165 00:07:34,640 --> 00:07:38,080 Speaker 2: know they were cly markets. No, that's fae. Never occurred 166 00:07:38,080 --> 00:07:39,440 Speaker 2: to me to look for something like that, but it 167 00:07:39,480 --> 00:07:42,040 Speaker 2: makes total sense. Really, it makes so much sense. Yeah, 168 00:07:42,080 --> 00:07:44,800 Speaker 2: because the grow out of it so fast. Yeah, asleep. 169 00:07:44,920 --> 00:07:46,480 Speaker 2: There's nothing cuter than a sleepsack. 170 00:07:46,640 --> 00:07:47,560 Speaker 1: They look like a little. 171 00:07:47,480 --> 00:07:48,480 Speaker 2: Low worm I need. 172 00:07:49,160 --> 00:07:51,600 Speaker 3: Every time our friends bring their baby out in their 173 00:07:51,640 --> 00:07:53,760 Speaker 3: little sleep back for bed, I go, oh, a little. 174 00:07:53,600 --> 00:08:00,240 Speaker 2: Squamy web beds, so so cute. Oh my god, fill 175 00:08:00,280 --> 00:08:02,760 Speaker 2: a baby. It's the cute at see. 176 00:08:03,200 --> 00:08:04,760 Speaker 3: I know they were just so and they make fun 177 00:08:04,840 --> 00:08:07,360 Speaker 3: ones a little or maybe that's not for sleeping, actually 178 00:08:07,360 --> 00:08:08,160 Speaker 3: the ones with the woods. 179 00:08:08,200 --> 00:08:11,080 Speaker 2: But anyway, it's dangerous. I actually don't know at all 180 00:08:11,240 --> 00:08:15,680 Speaker 2: needed to ask, but that's that's it's very cute. Exactly 181 00:08:16,240 --> 00:08:18,120 Speaker 2: as long as they're cute, we don't care about the 182 00:08:18,120 --> 00:08:19,960 Speaker 2: rest of it. That's all about it is exactly right. 183 00:08:20,240 --> 00:08:22,280 Speaker 3: And then lastly this week, I've got a money in 184 00:08:22,400 --> 00:08:24,960 Speaker 3: from Zalie who said, got free scotch Field's avocados and 185 00:08:25,120 --> 00:08:26,600 Speaker 3: sausages all added into. 186 00:08:26,480 --> 00:08:29,680 Speaker 2: My delivered grocery order. Oh great, love, that was just 187 00:08:29,720 --> 00:08:30,200 Speaker 2: an accident. 188 00:08:30,280 --> 00:08:33,880 Speaker 3: There's nothing better than a random This happened to us recently. 189 00:08:34,000 --> 00:08:36,719 Speaker 3: We ordered online delivery from cold and we think we 190 00:08:36,880 --> 00:08:39,800 Speaker 3: just got a whole other person's order because we yes, 191 00:08:40,320 --> 00:08:41,719 Speaker 3: we did direct a boot where they just put it 192 00:08:41,760 --> 00:08:44,079 Speaker 3: in your car for you. My boyfriend picked up, he 193 00:08:44,160 --> 00:08:45,800 Speaker 3: brought it home and he's like, I think we got 194 00:08:45,880 --> 00:08:47,080 Speaker 3: like somebody else's order. 195 00:08:47,520 --> 00:08:49,319 Speaker 2: And because we had these three extra bags, so it 196 00:08:49,400 --> 00:08:50,920 Speaker 2: was like a mystery unboxing. What did we get? 197 00:08:50,960 --> 00:08:51,160 Speaker 4: It was? 198 00:08:51,200 --> 00:08:55,040 Speaker 2: So I think I remember this, But they said that 199 00:08:55,080 --> 00:08:57,480 Speaker 2: they would give the other person there like you didn't 200 00:08:57,480 --> 00:08:58,719 Speaker 2: have to go take it back and be like, no, 201 00:08:59,480 --> 00:09:00,439 Speaker 2: was going hung that's it. 202 00:09:00,520 --> 00:09:02,640 Speaker 3: They were like, yes, great, they will just replace whatever 203 00:09:02,800 --> 00:09:05,480 Speaker 3: was missing, and it all equals out and the big 204 00:09:05,559 --> 00:09:07,640 Speaker 3: corps are making billions of dollars. So I'm not feeling 205 00:09:07,679 --> 00:09:09,640 Speaker 3: bad about you know, a flag of scotching. 206 00:09:10,720 --> 00:09:15,559 Speaker 2: No, that is so so fun. And now speaking of that, 207 00:09:15,800 --> 00:09:17,719 Speaker 2: because that actually sounds like a great brick tip, but 208 00:09:18,559 --> 00:09:21,800 Speaker 2: it's it's it's really just like a luck thing. It is, 209 00:09:21,880 --> 00:09:23,599 Speaker 2: so it's probably not good for a brick tip. But 210 00:09:23,679 --> 00:09:26,319 Speaker 2: if you was lovely, thank you so much. I'm not 211 00:09:26,559 --> 00:09:28,439 Speaker 2: you know, I think we've mentioned this before. I'm not 212 00:09:28,480 --> 00:09:30,760 Speaker 2: good at segways and I think that you are really 213 00:09:30,760 --> 00:09:33,000 Speaker 2: good at them, and so I am trying. So if 214 00:09:33,040 --> 00:09:36,679 Speaker 2: you ever hear appreciate the effort, thank you. Hit me 215 00:09:36,720 --> 00:09:39,040 Speaker 2: with your break tips, baby. Okay, So this one comes 216 00:09:39,040 --> 00:09:42,200 Speaker 2: from Stephanie, who says online catalogs are released Monday nights 217 00:09:42,240 --> 00:09:45,160 Speaker 2: at five pm a e s t. For Coals and Woolies. 218 00:09:45,400 --> 00:09:47,319 Speaker 2: I will look at these and see which week specials 219 00:09:47,360 --> 00:09:49,679 Speaker 2: are better to determine do I shop Monday Tuesday and 220 00:09:49,679 --> 00:09:52,439 Speaker 2: I or push to Wednesday for the new catalog specials. 221 00:09:52,520 --> 00:09:55,199 Speaker 2: So clever, so clever. I hadn't thought to compare the 222 00:09:55,240 --> 00:09:58,720 Speaker 2: week on week No, And because they're changing midweek, it's like, oh, 223 00:09:58,800 --> 00:10:02,400 Speaker 2: you really could just wait and see take your pick, 224 00:10:02,480 --> 00:10:04,319 Speaker 2: because nothing is more annoying than when you go and 225 00:10:04,440 --> 00:10:06,080 Speaker 2: you're like, okay, I got to buy this thing this week, 226 00:10:06,120 --> 00:10:07,840 Speaker 2: and then you see that it's on special a few days. 227 00:10:07,960 --> 00:10:08,200 Speaker 4: Wow. 228 00:10:08,679 --> 00:10:12,000 Speaker 2: Literallyating thing exactly. So the next one comes from Amara, 229 00:10:12,280 --> 00:10:14,400 Speaker 2: who says, I sell all of my Happy Meal toys 230 00:10:14,440 --> 00:10:15,439 Speaker 2: on eBay for ten dollars. 231 00:10:15,559 --> 00:10:15,760 Speaker 4: Loll. 232 00:10:18,040 --> 00:10:21,440 Speaker 2: I agree with the loll. Happy meals cost six dollars 233 00:10:21,480 --> 00:10:23,560 Speaker 2: forty five. They always sell within the week, and it's 234 00:10:23,640 --> 00:10:27,040 Speaker 2: free lunch. I think it's that's genious. It's actually genius. 235 00:10:27,080 --> 00:10:28,560 Speaker 2: Who's buying Happy Meal toy? 236 00:10:28,800 --> 00:10:29,079 Speaker 4: I know. 237 00:10:29,440 --> 00:10:31,719 Speaker 2: I mean, I guess like if you are after a 238 00:10:31,760 --> 00:10:33,679 Speaker 2: specific wal, you're trying to collect them back, you're trying 239 00:10:33,720 --> 00:10:37,360 Speaker 2: to collect them I probably want for McDonald's meal. That's genius. 240 00:10:37,640 --> 00:10:41,360 Speaker 2: So smart. I am going to put this to the test. Yeah, yeah, yeah, 241 00:10:41,640 --> 00:10:44,400 Speaker 2: that's so clever totally, because yeah, you wouldn't just be 242 00:10:44,480 --> 00:10:46,120 Speaker 2: like I'm gonna keep buying half meals. You'd be like, 243 00:10:46,240 --> 00:10:47,640 Speaker 2: I just want this one toy. I don't want to 244 00:10:47,720 --> 00:10:49,160 Speaker 2: keep eating McDonald's. 245 00:10:49,160 --> 00:10:49,280 Speaker 1: You know. 246 00:10:49,480 --> 00:10:53,040 Speaker 2: Yeah, that's genius. So thank you on that one, good one, 247 00:10:53,480 --> 00:10:56,320 Speaker 2: and then my own one. So I know the shops 248 00:10:56,360 --> 00:10:58,160 Speaker 2: are craziest time of the year and specials can like 249 00:10:58,360 --> 00:11:00,240 Speaker 2: run out. So I'm using my broke tip to you 250 00:11:00,280 --> 00:11:02,559 Speaker 2: that Coals and Woolies do rain checks. So if you 251 00:11:02,679 --> 00:11:04,600 Speaker 2: go to get something special for Christmas Day and it's 252 00:11:04,600 --> 00:11:06,960 Speaker 2: out of stock, ask for a rain check and they'll 253 00:11:06,960 --> 00:11:08,560 Speaker 2: give you a slip of paper so you can buy 254 00:11:08,600 --> 00:11:11,040 Speaker 2: it at the same price when it comes back in stock, 255 00:11:11,080 --> 00:11:13,040 Speaker 2: and there's usually valid for like thirty days. That's a 256 00:11:13,080 --> 00:11:13,520 Speaker 2: great one. 257 00:11:13,760 --> 00:11:16,160 Speaker 3: That's very true, because there's also nothing more annoying than 258 00:11:16,160 --> 00:11:17,839 Speaker 3: you go, Oh, I've looked at the specials. I figured 259 00:11:17,880 --> 00:11:20,959 Speaker 3: it out that toilet paper's n sale this, and I 260 00:11:21,040 --> 00:11:23,079 Speaker 3: need to get it, and then it's not on sale, 261 00:11:23,120 --> 00:11:24,560 Speaker 3: so then you have to go somewhere else and payful 262 00:11:24,559 --> 00:11:25,040 Speaker 3: price for it. 263 00:11:25,240 --> 00:11:28,000 Speaker 2: Totally. It blows your whole week out of whack. Yeah, 264 00:11:28,240 --> 00:11:35,160 Speaker 2: not that I've ever stuck to something else. You do 265 00:11:35,280 --> 00:11:42,480 Speaker 2: both toilet pods, some of you. That's so true. Different places, well, 266 00:11:42,559 --> 00:11:44,600 Speaker 2: that's it. And I mean, you know, we could end 267 00:11:44,679 --> 00:11:46,959 Speaker 2: up in the same exact place because some of you 268 00:11:47,440 --> 00:11:50,920 Speaker 2: there's no rules, you blow whatever you want. Oh my gosh, 269 00:11:52,559 --> 00:11:55,280 Speaker 2: we were very different places. 270 00:11:56,280 --> 00:11:57,000 Speaker 1: Oh my gosh. 271 00:11:57,679 --> 00:11:58,520 Speaker 2: Reminder as well. 272 00:11:58,600 --> 00:12:00,920 Speaker 3: I feel like, well we're talking about Christ, just blowout. 273 00:12:01,600 --> 00:12:02,920 Speaker 3: I just want to say there's a lot of guilt 274 00:12:02,960 --> 00:12:06,160 Speaker 3: around this time of year, around your spending, around what 275 00:12:06,280 --> 00:12:08,560 Speaker 3: you're giving. If you you know, we've spoken about how 276 00:12:08,600 --> 00:12:10,839 Speaker 3: you might want to give someone a large gift you 277 00:12:10,880 --> 00:12:12,800 Speaker 3: don't have the finances to do, so a lot of 278 00:12:12,840 --> 00:12:15,800 Speaker 3: guilt around food and indulging and all those sorts of things. 279 00:12:16,160 --> 00:12:18,240 Speaker 3: And I just want to remind everyone that at this 280 00:12:18,360 --> 00:12:20,600 Speaker 3: time you add it every time of year, but you're 281 00:12:20,640 --> 00:12:21,120 Speaker 3: allowed to. 282 00:12:21,160 --> 00:12:24,679 Speaker 2: Do what makes you feel good and completely agree. Things 283 00:12:24,760 --> 00:12:25,120 Speaker 2: that are. 284 00:12:25,040 --> 00:12:27,280 Speaker 3: Done or given or said with love are worth so 285 00:12:27,440 --> 00:12:31,040 Speaker 3: much more than you know, a really expensive gift. And 286 00:12:31,600 --> 00:12:33,559 Speaker 3: I just feel like there's a lot of pressure and 287 00:12:33,679 --> 00:12:35,839 Speaker 3: stress and we see people talking about it every year, 288 00:12:36,360 --> 00:12:38,800 Speaker 3: and so yes, this is your reminder that if you 289 00:12:39,440 --> 00:12:41,079 Speaker 3: want to blow out, or if you want to keep 290 00:12:41,120 --> 00:12:43,040 Speaker 3: it in or whatever you want to do. I wanted 291 00:12:43,040 --> 00:12:45,199 Speaker 3: this to be a nice sentiment, but I'm feeling. 292 00:12:44,960 --> 00:12:48,439 Speaker 2: Like I'm really fumbling with the blowout. You did a 293 00:12:48,480 --> 00:12:51,000 Speaker 2: great job, but just a reminder. 294 00:12:50,720 --> 00:12:51,920 Speaker 3: Everyone to be kind to yourself and be kind to 295 00:12:51,960 --> 00:12:54,520 Speaker 3: everyone else, because that's what it's really street is right, absolutely. 296 00:12:54,559 --> 00:12:57,800 Speaker 2: I completely agree with that. So with that, go forth 297 00:12:57,920 --> 00:12:59,320 Speaker 2: and we are going to go on a little break 298 00:12:59,360 --> 00:13:00,559 Speaker 2: and on the flip side, we're going to be talking 299 00:13:00,559 --> 00:13:03,280 Speaker 2: about splitting costs with your friends and handling clashes with 300 00:13:03,320 --> 00:13:10,200 Speaker 2: your family, about differing money values. Don't go anywhere. Welcome 301 00:13:10,240 --> 00:13:12,320 Speaker 2: back everyone. Here's this week's money dilemma. 302 00:13:14,480 --> 00:13:16,800 Speaker 5: Hi. There, have you got a money dilemma you just 303 00:13:16,880 --> 00:13:19,400 Speaker 5: can't solve that. She's on the Money team is here 304 00:13:19,480 --> 00:13:22,640 Speaker 5: to help. Every week we tackle your dilemmas, both big 305 00:13:22,720 --> 00:13:25,400 Speaker 5: and small, to answer your most burning money, career and 306 00:13:25,520 --> 00:13:28,680 Speaker 5: life questions. To get involved, simply head to our website 307 00:13:28,720 --> 00:13:30,800 Speaker 5: and leave us a short voice recording and you might 308 00:13:30,920 --> 00:13:32,160 Speaker 5: just find yourself on the show. 309 00:13:32,600 --> 00:13:35,240 Speaker 2: Now, let's take a listen to this week's money dilemma. 310 00:13:37,880 --> 00:13:40,280 Speaker 4: Hi, She's on the Money love the pod. Hope you 311 00:13:40,320 --> 00:13:43,040 Speaker 4: can help me with this one. So last night I 312 00:13:43,120 --> 00:13:46,760 Speaker 4: went to a friend's place for origin and some takeaway. 313 00:13:47,080 --> 00:13:48,920 Speaker 4: I got there late, so I didn't know what they 314 00:13:49,000 --> 00:13:53,559 Speaker 4: had ordered, but it was eight dishes for five girls, 315 00:13:53,880 --> 00:13:56,400 Speaker 4: and at the end of the night, seven dishes went 316 00:13:56,520 --> 00:14:00,280 Speaker 4: back into the fridge, either unopened or half full, and 317 00:14:00,920 --> 00:14:03,320 Speaker 4: I didn't take any leftovers home. But when I did 318 00:14:03,400 --> 00:14:06,000 Speaker 4: get home, I got a bea my request for twenty 319 00:14:06,240 --> 00:14:10,640 Speaker 4: eight dollars, I nearly died. I definitely didn't eat twenty 320 00:14:10,679 --> 00:14:12,959 Speaker 4: eight dollars worse. And I feel like I'm paying for 321 00:14:13,080 --> 00:14:16,920 Speaker 4: their lunch and dinner today. How do I ask to 322 00:14:17,080 --> 00:14:19,800 Speaker 4: pay less? Should I ask to pay less? If I 323 00:14:19,880 --> 00:14:22,600 Speaker 4: had known it was this much, I probably wouldn't have gone. 324 00:14:23,000 --> 00:14:25,360 Speaker 4: And I'm the only one in the group who lives 325 00:14:25,400 --> 00:14:27,520 Speaker 4: out of home, and I can't do this too often. 326 00:14:27,840 --> 00:14:32,560 Speaker 2: Thinks that's such a tricky one. I think, like, I 327 00:14:32,800 --> 00:14:34,800 Speaker 2: hate when some of that this happens, where it's like 328 00:14:35,440 --> 00:14:38,920 Speaker 2: you really are relying on both parties. You're relying on 329 00:14:39,000 --> 00:14:41,720 Speaker 2: the people to just do the right thing and just 330 00:14:41,800 --> 00:14:44,320 Speaker 2: be like, oh, hey, you didn't need that much, and 331 00:14:44,600 --> 00:14:47,680 Speaker 2: I'm taking all of the leftovers and we ordered too much. 332 00:14:48,000 --> 00:14:50,120 Speaker 2: I'm not going to expect you to pay this much. 333 00:14:50,360 --> 00:14:54,040 Speaker 2: You kind of rely on the other person to carry 334 00:14:54,080 --> 00:14:56,400 Speaker 2: the mental and emotional load of that kind of thing, 335 00:14:56,440 --> 00:15:01,120 Speaker 2: because otherwise it is extremely awkward for you to be like. Also, 336 00:15:01,160 --> 00:15:03,040 Speaker 2: you don't want to be like a social pariah, you know, 337 00:15:03,160 --> 00:15:05,160 Speaker 2: like there's so many layers to it. You don't want 338 00:15:05,160 --> 00:15:08,000 Speaker 2: to be like, hey, I you are eating the leftovers. 339 00:15:08,080 --> 00:15:10,160 Speaker 2: This is your lunch, this is your dinner. I didn't 340 00:15:10,160 --> 00:15:13,280 Speaker 2: eat that much. You just like there's no other option 341 00:15:13,480 --> 00:15:16,440 Speaker 2: other than like paying it but feeling really annoyed about 342 00:15:16,440 --> 00:15:18,800 Speaker 2: it and being a little bit resentful or being a 343 00:15:18,880 --> 00:15:22,120 Speaker 2: social prior because there's you know, like in an ideal world, 344 00:15:22,160 --> 00:15:25,080 Speaker 2: everyone would be like, oh, that makes sense, no worries. 345 00:15:25,400 --> 00:15:27,600 Speaker 2: But if they were going to do that, you wouldn't 346 00:15:27,600 --> 00:15:30,840 Speaker 2: have been requested to pay twenty eight dollars in the 347 00:15:30,880 --> 00:15:33,760 Speaker 2: first place. I feel so I think there are only 348 00:15:33,800 --> 00:15:35,840 Speaker 2: two options here and tends out close you are with 349 00:15:35,880 --> 00:15:38,480 Speaker 2: your friends. I think I would pay it this time around, 350 00:15:39,080 --> 00:15:41,560 Speaker 2: and then in the future whenever there's any discussion of 351 00:15:41,640 --> 00:15:44,280 Speaker 2: like hanging out and like buying takeaway or whatever, I'd 352 00:15:44,320 --> 00:15:46,280 Speaker 2: be like, hey, guys, I don't have that much money, 353 00:15:46,320 --> 00:15:48,920 Speaker 2: so maybe you just buy whatever, and I'll kind of 354 00:15:49,000 --> 00:15:51,440 Speaker 2: like pave my own in that way, you can get 355 00:15:51,480 --> 00:15:55,800 Speaker 2: your own food, you spend way less. They might realize 356 00:15:56,040 --> 00:16:00,200 Speaker 2: how ridiculous it is to order eight meals for hey, 357 00:16:00,240 --> 00:16:01,840 Speaker 2: and some people can eat that. That's so fine, Like 358 00:16:01,960 --> 00:16:04,640 Speaker 2: some people like to have options, absolutely, but you know, 359 00:16:05,120 --> 00:16:06,640 Speaker 2: if they do do that, then that's on them and 360 00:16:06,680 --> 00:16:08,120 Speaker 2: they're going to pay for that, you know. So I 361 00:16:08,200 --> 00:16:09,680 Speaker 2: think in this case, you kind of just got to like, 362 00:16:10,040 --> 00:16:11,240 Speaker 2: you kind of just got to do it. 363 00:16:11,600 --> 00:16:14,320 Speaker 3: Yeah, I feel like you are well within your right 364 00:16:14,480 --> 00:16:18,600 Speaker 3: to send a message and say either, hey, like we 365 00:16:18,760 --> 00:16:19,560 Speaker 3: only ate one. 366 00:16:19,800 --> 00:16:22,120 Speaker 2: Firstly, I can't believe you ate one of eight. That's crazy. 367 00:16:22,200 --> 00:16:23,600 Speaker 3: I'm not sure what was going on there, but that 368 00:16:23,880 --> 00:16:25,920 Speaker 3: doesn't make any sense to me. But you know, we 369 00:16:26,040 --> 00:16:28,720 Speaker 3: only ate one of the dishes, Like, I just don't 370 00:16:28,800 --> 00:16:31,440 Speaker 3: feel like I've eaten twenty eight dollars worth of food? 371 00:16:31,840 --> 00:16:33,680 Speaker 3: Could I maybe swing by and pick up some of 372 00:16:33,760 --> 00:16:36,080 Speaker 3: the leftovers? Could be a middle ground, So maybe you 373 00:16:36,200 --> 00:16:39,160 Speaker 3: take some stuff home with you so that because also 374 00:16:39,240 --> 00:16:40,960 Speaker 3: one person's probably not going to eat the other seven 375 00:16:41,000 --> 00:16:43,240 Speaker 3: meals before they all go bad either. Yeah, So I 376 00:16:43,320 --> 00:16:45,320 Speaker 3: feel like that's like a nice middle point, Like Okay, 377 00:16:45,360 --> 00:16:47,120 Speaker 3: like I'm happy to like pay that twenty eight dollars, 378 00:16:47,200 --> 00:16:49,280 Speaker 3: but like I want to feel as though I've gotten 379 00:16:49,360 --> 00:16:51,080 Speaker 3: my values worth out of that, So can I come 380 00:16:51,160 --> 00:16:53,720 Speaker 3: pick some things up? I also think it's probably more 381 00:16:53,800 --> 00:16:57,960 Speaker 3: important to set a precedent for future and say, hey, 382 00:16:58,160 --> 00:17:00,920 Speaker 3: like for future, when we're ordering and we wait until 383 00:17:00,960 --> 00:17:03,800 Speaker 3: everyone's together, you know, make sure that it's in a 384 00:17:03,880 --> 00:17:06,720 Speaker 3: decision that everyone's happy with in terms of what we're ordering, 385 00:17:06,840 --> 00:17:09,879 Speaker 3: the amount that we're spending, et cetera. Because yeah, it's 386 00:17:09,920 --> 00:17:11,640 Speaker 3: not hard in this day and age to like call 387 00:17:11,720 --> 00:17:13,399 Speaker 3: somebody or send them a message and say, oh, we're 388 00:17:13,440 --> 00:17:16,000 Speaker 3: thinking TI, are you happy with X, y Z? And 389 00:17:16,080 --> 00:17:18,680 Speaker 3: then you can kind of then you've got the opportunity 390 00:17:18,720 --> 00:17:20,399 Speaker 3: to say, oh, no, that's a bit expensive for me. 391 00:17:20,880 --> 00:17:23,320 Speaker 3: I might pick up something else for myself, or you know, 392 00:17:23,480 --> 00:17:26,040 Speaker 3: totally happy with that, or whatever the vibe is. So 393 00:17:26,160 --> 00:17:28,280 Speaker 3: I think also it's a really good opportunity to open 394 00:17:28,359 --> 00:17:30,000 Speaker 3: up the conversation to do that. But I think you're 395 00:17:30,160 --> 00:17:34,200 Speaker 3: absolutely you're totally valid and fair to say that that 396 00:17:34,359 --> 00:17:36,760 Speaker 3: doesn't feel reasonable to you, because it doesn't feel reasonable 397 00:17:36,800 --> 00:17:39,359 Speaker 3: to me either. I don't know my group of friends 398 00:17:39,400 --> 00:17:41,560 Speaker 3: that's we're always really conscious of that stuff. 399 00:17:41,640 --> 00:17:43,240 Speaker 2: So maybe it's just not. 400 00:17:43,359 --> 00:17:46,040 Speaker 3: Something they've ever had to think about. Especially if they're 401 00:17:46,080 --> 00:17:48,720 Speaker 3: living at home. They've probably got a bit more disposable 402 00:17:48,800 --> 00:17:51,479 Speaker 3: income than someone like our listener who is living out 403 00:17:51,520 --> 00:17:53,800 Speaker 3: of home paying all their bills. You know, money's a 404 00:17:53,840 --> 00:17:55,720 Speaker 3: lot something you're probably a lot more conscious of So 405 00:17:55,800 --> 00:17:57,639 Speaker 3: it might just be that they need a reminder that 406 00:17:58,000 --> 00:18:00,480 Speaker 3: that's not the situation for everybody. And if they're a 407 00:18:00,520 --> 00:18:02,399 Speaker 3: good friend, they're really not going to munch. They're probably 408 00:18:02,440 --> 00:18:04,320 Speaker 3: going to feel bad, hopefully and go, oh, I'm so 409 00:18:04,440 --> 00:18:07,280 Speaker 3: sorry to think about it. Absolutely, like don't worry about 410 00:18:07,280 --> 00:18:09,800 Speaker 3: transferring me the money or come pick something up or whatever, 411 00:18:09,880 --> 00:18:12,520 Speaker 3: and we'll make sure that that doesn't happen again totally. 412 00:18:12,600 --> 00:18:14,800 Speaker 2: And if you're kind of feeling awkward about asking to 413 00:18:14,920 --> 00:18:17,600 Speaker 2: go pick up food, just maybe you could work it 414 00:18:17,640 --> 00:18:19,200 Speaker 2: in a way that's like, hey, if you're not gonna 415 00:18:19,480 --> 00:18:21,040 Speaker 2: if you're worry things are going to go off or whatever, 416 00:18:21,040 --> 00:18:23,440 Speaker 2: I'm happy to take some food off your hands. And 417 00:18:23,720 --> 00:18:25,440 Speaker 2: you know that kind of you you could frame a 418 00:18:25,480 --> 00:18:27,280 Speaker 2: different way. Yeah, it's a really really good middle ground 419 00:18:27,720 --> 00:18:29,879 Speaker 2: taking some food. And then that way you can kind 420 00:18:29,920 --> 00:18:31,560 Speaker 2: of just fight in your brain is like, oh, okay, 421 00:18:31,560 --> 00:18:35,840 Speaker 2: I've paid this money and it has gone to my food, 422 00:18:36,320 --> 00:18:37,240 Speaker 2: like round. 423 00:18:37,760 --> 00:18:37,960 Speaker 1: Yeah. 424 00:18:38,000 --> 00:18:40,280 Speaker 2: But yeah, that's a real tricky one and could be 425 00:18:40,400 --> 00:18:43,160 Speaker 2: very awkward, But I think there's a way out that's 426 00:18:43,240 --> 00:18:45,400 Speaker 2: not Your friends are your friends for a reason. 427 00:18:45,480 --> 00:18:47,200 Speaker 3: I feel like we get a lot of friend dilemmas, 428 00:18:47,200 --> 00:18:49,960 Speaker 3: and I know that, like socially, we're conditioned to feel 429 00:18:50,080 --> 00:18:52,800 Speaker 3: awkward to talk about money. But it shouldn't be And 430 00:18:52,880 --> 00:18:54,840 Speaker 3: if your friends care about you, which were assuming they 431 00:18:54,880 --> 00:18:57,320 Speaker 3: do see your friends, then it doesn't need to be 432 00:18:57,359 --> 00:18:57,800 Speaker 3: a big deal. 433 00:18:57,800 --> 00:18:58,520 Speaker 2: I don't think. 434 00:18:58,600 --> 00:19:03,040 Speaker 3: Totally speaking of conflict though, this week's DM touched on 435 00:19:03,160 --> 00:19:05,639 Speaker 3: as well, and it is I think very timely. Oh 436 00:19:06,040 --> 00:19:09,280 Speaker 3: everyone prepping for their big family lunches and dinners. So 437 00:19:09,400 --> 00:19:12,480 Speaker 3: our message said, Hey, angels, I really don't want to 438 00:19:12,520 --> 00:19:15,800 Speaker 3: go to family Christmas this year. My sister is super successful, 439 00:19:15,840 --> 00:19:18,280 Speaker 3: and my parents won't stop talking about how she's flying 440 00:19:18,320 --> 00:19:21,560 Speaker 3: home business class and buying them an expensive coffee machine. 441 00:19:21,800 --> 00:19:23,800 Speaker 3: She runs her own business and only seems to care 442 00:19:23,840 --> 00:19:27,360 Speaker 3: about money. Well, I've always chosen passion overpay. Every time 443 00:19:27,400 --> 00:19:29,760 Speaker 3: we're together, Dad jokes that I should be more like her, 444 00:19:30,000 --> 00:19:32,399 Speaker 3: or that she should give me a job. She's also 445 00:19:32,520 --> 00:19:34,760 Speaker 3: made a lot of money investing in companies that I 446 00:19:35,000 --> 00:19:39,080 Speaker 3: find questionable. I'm the politically odd one out too. They 447 00:19:39,200 --> 00:19:41,399 Speaker 3: all vote for what makes them richer, and it always 448 00:19:41,520 --> 00:19:44,320 Speaker 3: ends in snarky comments. I'd love to know how you'd 449 00:19:44,359 --> 00:19:46,359 Speaker 3: handle this and what lines I can use if I 450 00:19:46,480 --> 00:19:47,959 Speaker 3: actually decide to show up. 451 00:19:48,119 --> 00:19:50,639 Speaker 2: This feels like my entire life. I think there are, like, 452 00:19:50,720 --> 00:19:52,680 Speaker 2: there's so many elements to it. And I always say 453 00:19:52,720 --> 00:19:55,160 Speaker 2: to my partner, for example, who is like really really 454 00:19:55,520 --> 00:19:58,440 Speaker 2: money focused and really does well with achieving her financial 455 00:19:58,480 --> 00:20:00,560 Speaker 2: goals and all of these things, she always just says 456 00:20:00,600 --> 00:20:03,040 Speaker 2: to me, like, we're just different. We're just different. And 457 00:20:03,119 --> 00:20:08,320 Speaker 2: I'm like, I wish that my different wasn't the inferior one. 458 00:20:08,920 --> 00:20:11,920 Speaker 2: Socially it's not, actually, but like socially we're taught that 459 00:20:12,000 --> 00:20:14,520 Speaker 2: that is the inferior one. And so it is really 460 00:20:14,640 --> 00:20:17,880 Speaker 2: hard to talk your way out of that, especially when 461 00:20:18,240 --> 00:20:21,119 Speaker 2: you know, maybe you're talking to someone who does value 462 00:20:21,200 --> 00:20:24,040 Speaker 2: money as everything. How much money you have depends on 463 00:20:24,560 --> 00:20:26,720 Speaker 2: how good you are as a person, how much value 464 00:20:26,760 --> 00:20:28,720 Speaker 2: you hold, and like, unfortunately there are people like that 465 00:20:28,840 --> 00:20:30,760 Speaker 2: out there, and we just can't avoid it. And so 466 00:20:30,840 --> 00:20:33,800 Speaker 2: when you're in this kind of situation and you're like, 467 00:20:34,880 --> 00:20:38,360 Speaker 2: you know that you're happy, you're healthy, you have such 468 00:20:38,400 --> 00:20:41,120 Speaker 2: a fulfilling life, and then you're talking to someone who 469 00:20:41,280 --> 00:20:45,840 Speaker 2: is quote unquote different in the more superior way by 470 00:20:45,960 --> 00:20:49,840 Speaker 2: society standards, You're like, well, I don't know what to 471 00:20:49,920 --> 00:20:52,680 Speaker 2: say here because you're like, you could argue that, like 472 00:20:53,240 --> 00:20:55,120 Speaker 2: it's not all about money, you could allure these things, 473 00:20:55,119 --> 00:20:57,320 Speaker 2: and we all know that. People who know that know that. 474 00:20:58,440 --> 00:21:00,480 Speaker 2: But then you're still like, well, I'm on a worse 475 00:21:00,600 --> 00:21:02,600 Speaker 2: end of it. You'd be great if you had all 476 00:21:02,680 --> 00:21:06,080 Speaker 2: this money and you are arguing that everyone's successful in 477 00:21:06,119 --> 00:21:08,760 Speaker 2: their own way. Then you're like, cool, I have all 478 00:21:08,800 --> 00:21:10,280 Speaker 2: this money, so I do know anything to worry about. 479 00:21:10,320 --> 00:21:13,320 Speaker 2: And also I am allowed to say this. But when 480 00:21:13,320 --> 00:21:14,600 Speaker 2: you don't have a lot of money and you're like 481 00:21:15,000 --> 00:21:17,320 Speaker 2: everyone's successful in their own way, it's like, well, you're 482 00:21:17,320 --> 00:21:18,600 Speaker 2: saying that because you don't have a lot of money, 483 00:21:18,600 --> 00:21:18,760 Speaker 2: do you. 484 00:21:18,760 --> 00:21:19,080 Speaker 1: Know what I mean? 485 00:21:19,080 --> 00:21:21,000 Speaker 2: Does that kind of make sense? I totally. And so 486 00:21:21,080 --> 00:21:22,720 Speaker 2: it can be kind of like inside you just like 487 00:21:23,320 --> 00:21:28,080 Speaker 2: this feeling of like urgency of like but also helplessness 488 00:21:28,080 --> 00:21:30,560 Speaker 2: because you can't really get your point across, you can't 489 00:21:30,640 --> 00:21:32,600 Speaker 2: really be you feel like you can't be taken seriously, 490 00:21:32,680 --> 00:21:34,200 Speaker 2: and you know all these things. There's so many, so 491 00:21:34,240 --> 00:21:36,800 Speaker 2: many layers to it. But I think in this kind 492 00:21:36,800 --> 00:21:39,960 Speaker 2: of situation when people say, like if you're you know, 493 00:21:40,000 --> 00:21:41,280 Speaker 2: you're talking to your dad and he's like, you should 494 00:21:41,280 --> 00:21:43,440 Speaker 2: be more like your sister. For some reason, as you 495 00:21:43,480 --> 00:21:45,239 Speaker 2: were reading that, I thought it was going to say 496 00:21:45,240 --> 00:21:46,760 Speaker 2: you should be more like a sister or she should 497 00:21:46,760 --> 00:21:48,080 Speaker 2: be more like me, And it was kind of like, 498 00:21:48,840 --> 00:21:51,200 Speaker 2: you're kind of taking bits and pieces from everyone's life, 499 00:21:51,240 --> 00:21:53,280 Speaker 2: and yeah, we could all stand to be a little 500 00:21:53,320 --> 00:21:56,520 Speaker 2: bit more like anyone. You know, I'm sure we could 501 00:21:56,560 --> 00:21:58,560 Speaker 2: learn a lot from everyone in the world. Everyone's got 502 00:21:58,600 --> 00:22:01,600 Speaker 2: room for improvement. Yeah, but why should just you be 503 00:22:02,160 --> 00:22:05,159 Speaker 2: like just her? It's the money thing, and it's like, 504 00:22:05,240 --> 00:22:08,040 Speaker 2: it's so exhausting at this point. It's exhausting, and so 505 00:22:08,200 --> 00:22:09,639 Speaker 2: like I can understand why you don't want to go. 506 00:22:10,040 --> 00:22:12,560 Speaker 2: I guess like I'm trying to avoid it. But communication 507 00:22:12,800 --> 00:22:14,919 Speaker 2: is everything. But if you're surrounded by people who are 508 00:22:15,040 --> 00:22:20,000 Speaker 2: not not seeing you and not understanding the richness that 509 00:22:20,119 --> 00:22:24,399 Speaker 2: your life has, and richness comes from so many different things. 510 00:22:25,040 --> 00:22:29,280 Speaker 2: It comes from community and love and friends and romantic 511 00:22:29,359 --> 00:22:32,400 Speaker 2: love and friendship love and all these kind of things. 512 00:22:32,880 --> 00:22:35,560 Speaker 2: And if they're just like boiling it down to literally 513 00:22:35,720 --> 00:22:40,600 Speaker 2: just money, something that isn't like an evolutionary part of 514 00:22:40,680 --> 00:22:43,640 Speaker 2: our you know, I'm just like, it's arbitrary. It's arbitrary. 515 00:22:43,680 --> 00:22:47,720 Speaker 2: It's so arbitrary. So I think communication is key, and 516 00:22:47,880 --> 00:22:49,920 Speaker 2: then I don't know, maybe like distilling it down and 517 00:22:50,040 --> 00:22:53,280 Speaker 2: like asking them why they think this way and what 518 00:22:53,440 --> 00:22:56,200 Speaker 2: they think richness looks like, what they think happiness looks like, 519 00:22:56,720 --> 00:22:59,879 Speaker 2: and that you're human with different values and they are 520 00:23:00,160 --> 00:23:03,880 Speaker 2: just as valuable. Yeah, so communication with it, and sorry 521 00:23:04,560 --> 00:23:07,000 Speaker 2: to burst your bubble, but that's maybe the answer. Yeah. 522 00:23:07,200 --> 00:23:09,560 Speaker 3: It can be really hard when you feel like you're 523 00:23:09,600 --> 00:23:12,879 Speaker 3: the odd one out on you know, a political because 524 00:23:12,880 --> 00:23:15,800 Speaker 3: I think that bleeds into so many different phases of 525 00:23:15,840 --> 00:23:17,439 Speaker 3: your life in terms of what you value. 526 00:23:17,800 --> 00:23:19,280 Speaker 2: But also there's nothing worse. 527 00:23:19,880 --> 00:23:21,720 Speaker 3: And I've been in this situation where you're sitting in 528 00:23:21,880 --> 00:23:26,720 Speaker 3: Kable at Christmas time and you're going, do I buy it? 529 00:23:26,960 --> 00:23:27,760 Speaker 2: Do I not bite? 530 00:23:28,040 --> 00:23:30,440 Speaker 3: I don't want to ruin Christmas? But also like I 531 00:23:30,560 --> 00:23:33,159 Speaker 3: don't want to squash my own morals down. It's a 532 00:23:33,280 --> 00:23:37,160 Speaker 3: very tough situation to be in, and I wonder, Yeah, 533 00:23:37,240 --> 00:23:39,159 Speaker 3: exactly as you're saying, have you kind of raised with 534 00:23:39,280 --> 00:23:42,640 Speaker 3: them what you raised with us? Like it's I understand 535 00:23:42,800 --> 00:23:45,000 Speaker 3: that exactly as you said back, they're saying, well, well 536 00:23:45,040 --> 00:23:46,840 Speaker 3: look at her, she's traditionally successful. 537 00:23:47,280 --> 00:23:49,000 Speaker 2: But from what you've told us. It sounds like you're 538 00:23:49,040 --> 00:23:51,760 Speaker 2: incredibly successful too. You know, you're you're working. 539 00:23:52,119 --> 00:23:54,560 Speaker 3: Jobs that you're passionate about, You're doing things that are 540 00:23:54,560 --> 00:23:56,879 Speaker 3: in line with your values. That's all really fantastic And 541 00:23:56,960 --> 00:23:59,400 Speaker 3: exactly as you said, money is so arbitrary, Like, yes, 542 00:23:59,440 --> 00:24:01,480 Speaker 3: it can make your life comfortable, but some of the 543 00:24:01,600 --> 00:24:03,359 Speaker 3: richest people in the world are the most miserable, and 544 00:24:03,520 --> 00:24:08,000 Speaker 3: arguably I'd rather be happy than you know, totally and 545 00:24:08,359 --> 00:24:09,200 Speaker 3: really struggling. 546 00:24:09,880 --> 00:24:11,119 Speaker 2: And I know it's not that simple. 547 00:24:11,200 --> 00:24:14,520 Speaker 3: You know, obviously money is important, but yeah, I think 548 00:24:14,640 --> 00:24:17,520 Speaker 3: that there is something in if you haven't already, because 549 00:24:17,560 --> 00:24:19,320 Speaker 3: I feel like perhaps you might of but if you 550 00:24:19,440 --> 00:24:23,480 Speaker 3: haven't already letting them know how these conversations make you feel, 551 00:24:23,840 --> 00:24:26,399 Speaker 3: gently reminding them that there is more to life than 552 00:24:26,440 --> 00:24:29,119 Speaker 3: those things like a business class flight is great, but 553 00:24:30,119 --> 00:24:33,040 Speaker 3: you know, there are so many other things in your 554 00:24:33,119 --> 00:24:35,360 Speaker 3: life that you probably have going on that it equally 555 00:24:35,480 --> 00:24:38,240 Speaker 3: is exciting to you. You know, have they seen that? 556 00:24:38,359 --> 00:24:41,399 Speaker 3: Have they considered that I'm a big to go back 557 00:24:41,440 --> 00:24:43,399 Speaker 3: to my example of the Christmas dinner table, I'm a 558 00:24:43,440 --> 00:24:47,359 Speaker 3: big avoid like I will just change the subject. I 559 00:24:47,440 --> 00:24:50,440 Speaker 3: know that that's probably not the right answer, but see 560 00:24:50,480 --> 00:24:53,800 Speaker 3: the conversation away where possible from murky waters, just to 561 00:24:53,880 --> 00:24:56,639 Speaker 3: avoid a fight. But yeah, I think it's probably a 562 00:24:56,720 --> 00:24:59,120 Speaker 3: bigger issue, and it can be really hard if you're 563 00:24:59,160 --> 00:25:03,400 Speaker 3: working against what feels like a unit where everybody else 564 00:25:03,480 --> 00:25:05,840 Speaker 3: is in agreement in terms of their perspective, it can 565 00:25:05,880 --> 00:25:08,119 Speaker 3: feel really isolating for you on your own. So I 566 00:25:08,200 --> 00:25:10,160 Speaker 3: just want to validate that, and I want to say, 567 00:25:11,040 --> 00:25:13,240 Speaker 3: if going is going to be traumatic for you, it 568 00:25:13,320 --> 00:25:15,520 Speaker 3: is also okay for you to not attend. I think 569 00:25:15,560 --> 00:25:17,840 Speaker 3: there's a lot of pressure on people at Christmas time 570 00:25:17,960 --> 00:25:20,680 Speaker 3: and a lot of you know, Christmas is all about 571 00:25:20,680 --> 00:25:22,200 Speaker 3: family and love and da da da, And I know 572 00:25:22,359 --> 00:25:25,440 Speaker 3: that you're like, yes, absolutely, that's true. But it shouldn't 573 00:25:25,440 --> 00:25:28,480 Speaker 3: be to the detriment of your your self worth, of 574 00:25:28,600 --> 00:25:31,360 Speaker 3: your happiness. It is just another day in the year 575 00:25:31,640 --> 00:25:33,520 Speaker 3: at the end of the day. And if going is 576 00:25:33,600 --> 00:25:37,840 Speaker 3: going to be emotionally taxing on you, particularly if you 577 00:25:37,920 --> 00:25:39,840 Speaker 3: try to have like this type of conversation, I think 578 00:25:39,920 --> 00:25:42,399 Speaker 3: and it falls on deaf years, that would be the 579 00:25:42,440 --> 00:25:44,840 Speaker 3: point at which I would kind of be going, Okay, well, 580 00:25:45,880 --> 00:25:48,919 Speaker 3: is this an exercise that I want to participate in future? 581 00:25:49,119 --> 00:25:52,520 Speaker 3: Because you know, you also don't owe anybody anything. And 582 00:25:52,640 --> 00:25:54,760 Speaker 3: as much as of course you want to spend Christmas 583 00:25:54,800 --> 00:25:57,639 Speaker 3: surrounded by family and people you love, if that is 584 00:25:57,720 --> 00:25:59,879 Speaker 3: going to be hard, I also think that if you 585 00:26:00,080 --> 00:26:02,280 Speaker 3: not that you need permission. But if you did want 586 00:26:02,359 --> 00:26:03,880 Speaker 3: someone to back it in a little bit and say 587 00:26:04,000 --> 00:26:06,480 Speaker 3: that's okay, I just want to tell you that's okay. 588 00:26:06,480 --> 00:26:09,680 Speaker 2: Completely agree. What did everyone else say? Yes? 589 00:26:09,760 --> 00:26:13,000 Speaker 3: So we asked the community over on Instagram and the 590 00:26:13,080 --> 00:26:15,280 Speaker 3: response is poured in. So firstly we said what would 591 00:26:15,320 --> 00:26:17,600 Speaker 3: you do if you were our community member? Twenty nine 592 00:26:17,600 --> 00:26:19,720 Speaker 3: percent of people said they would skip Christmas all together. 593 00:26:20,280 --> 00:26:22,240 Speaker 3: Thirty percent of people said they would speak to them 594 00:26:22,520 --> 00:26:25,680 Speaker 3: before Christmas, which we didn't even say that that's actually 595 00:26:25,680 --> 00:26:26,240 Speaker 3: a great idea. 596 00:26:26,359 --> 00:26:27,120 Speaker 2: That is a great idea. 597 00:26:27,200 --> 00:26:29,159 Speaker 3: Preempt it a little bit and say hey, this is 598 00:26:29,240 --> 00:26:31,720 Speaker 3: how I felt in the past. You know, I want 599 00:26:31,800 --> 00:26:33,879 Speaker 3: us to all have a great time. Let's get it 600 00:26:33,920 --> 00:26:35,960 Speaker 3: off our chest, because it's probably a little less emotionally 601 00:26:36,119 --> 00:26:39,160 Speaker 3: charged than trying to have it, you know, over prawns 602 00:26:39,160 --> 00:26:42,160 Speaker 3: on the Christmas table too totally. Then twenty two percent 603 00:26:42,200 --> 00:26:43,960 Speaker 3: of people said they'd pull a Jess and keep quiet 604 00:26:43,960 --> 00:26:46,240 Speaker 3: to avoid the drama, and twenty percent of people said 605 00:26:46,280 --> 00:26:49,800 Speaker 3: they'd go in ready to call out bad behavior. Next, 606 00:26:49,840 --> 00:26:53,080 Speaker 3: we said how aligned are your family's money values with yours? 607 00:26:53,640 --> 00:26:56,800 Speaker 3: Forty three percent of people said they're pretty similar, seven 608 00:26:56,840 --> 00:27:00,320 Speaker 3: percent of people said they're polar opposites, thirty five percent 609 00:27:00,359 --> 00:27:03,880 Speaker 3: of people said we agree sometimes, and fourteen percent said 610 00:27:04,160 --> 00:27:07,480 Speaker 3: no one even talks about it okay, which interesting but 611 00:27:07,600 --> 00:27:10,400 Speaker 3: baally a safe yes, safe option I think for Christmas. 612 00:27:10,640 --> 00:27:10,880 Speaker 1: Yeah. 613 00:27:11,040 --> 00:27:13,480 Speaker 3: And then, of course, as always, we said to the community, 614 00:27:13,680 --> 00:27:17,119 Speaker 3: what is your two cents? First person said, as the 615 00:27:17,640 --> 00:27:21,000 Speaker 3: in quotes successful person in the family, I find it 616 00:27:21,080 --> 00:27:23,359 Speaker 3: awkward to discuss money, and my family don't want to 617 00:27:23,400 --> 00:27:24,040 Speaker 3: hear about it either. 618 00:27:24,640 --> 00:27:25,440 Speaker 2: Self aware queen. 619 00:27:26,200 --> 00:27:29,919 Speaker 3: Next somebody said, my boomer parents are slowly changing their 620 00:27:30,000 --> 00:27:32,680 Speaker 3: minds and seeing the impacts that these things will have 621 00:27:32,880 --> 00:27:33,679 Speaker 3: on the grandkids. 622 00:27:33,880 --> 00:27:34,640 Speaker 2: Oh gorgeous. 623 00:27:34,920 --> 00:27:37,120 Speaker 3: I do think it is a generational thing. I think 624 00:27:37,200 --> 00:27:39,760 Speaker 3: our generation is probably more open minded than the one 625 00:27:39,840 --> 00:27:42,960 Speaker 3: before them and before them. Yes, and so hopefully, like, 626 00:27:43,040 --> 00:27:45,760 Speaker 3: even if it is uncomfortable to have these conversations, having 627 00:27:45,840 --> 00:27:49,359 Speaker 3: them sometimes can really help to change the direction of 628 00:27:49,520 --> 00:27:50,440 Speaker 3: those thought patterns. 629 00:27:50,600 --> 00:27:52,320 Speaker 2: Totally progress for the future. 630 00:27:53,000 --> 00:27:56,280 Speaker 3: Next, somebody said, if they risk the relationship by making jokes. 631 00:27:56,359 --> 00:27:59,120 Speaker 3: It's okay to risk the relationship defending yourself. 632 00:27:59,359 --> 00:28:02,720 Speaker 2: Oh it's such a great point. Yeah, if you're someone 633 00:28:02,760 --> 00:28:04,720 Speaker 2: who doesn't like conflict, I really like that. Take. 634 00:28:05,160 --> 00:28:07,800 Speaker 3: Somebody else said, I love my family, but this ViBe's 635 00:28:07,880 --> 00:28:10,679 Speaker 3: really hard. I try to bite my tongue and rotate 636 00:28:10,840 --> 00:28:14,600 Speaker 3: through talking to different relatives to help. Somebody else said, 637 00:28:14,680 --> 00:28:17,600 Speaker 3: my brother in law is a Trump supporter. We've agreed 638 00:28:17,680 --> 00:28:19,400 Speaker 3: to not discuss politics ever. 639 00:28:19,760 --> 00:28:22,600 Speaker 2: Oh good, it would be really hard. 640 00:28:22,520 --> 00:28:26,240 Speaker 3: Sitting And it is sometimes really hard sitting across from 641 00:28:26,280 --> 00:28:31,160 Speaker 3: somebody knowing that you disagree on something. Yeah, fundamentally, Yeah, 642 00:28:32,000 --> 00:28:36,040 Speaker 3: especially something like politics. Where as you know re said, 643 00:28:36,119 --> 00:28:38,360 Speaker 3: it can it flows into so many different things, Like 644 00:28:38,440 --> 00:28:41,360 Speaker 3: Trump is an example, Like I, personally, this is my opinion, 645 00:28:41,440 --> 00:28:43,480 Speaker 3: think he's a vile person. I don't agree with any 646 00:28:43,520 --> 00:28:45,960 Speaker 3: of the morals that he stands for. It would be 647 00:28:46,040 --> 00:28:47,600 Speaker 3: really hard if I was seeing across from you back 648 00:28:47,640 --> 00:28:49,160 Speaker 3: and you're like, oh my god, will Trump. 649 00:28:49,040 --> 00:28:52,080 Speaker 2: Like totally, because I'm almost saying a roundabout way and 650 00:28:52,200 --> 00:28:54,040 Speaker 2: this is like not only the Trump thing, but like 651 00:28:54,120 --> 00:28:57,120 Speaker 2: in other ways, like yes, if you really took away 652 00:28:57,840 --> 00:29:01,200 Speaker 2: everything you're kind of saying I think you're less than me, 653 00:29:01,520 --> 00:29:03,760 Speaker 2: or is something like that in some way? Like yeah, 654 00:29:03,880 --> 00:29:06,000 Speaker 2: and that is like if you know that you're sitting 655 00:29:06,040 --> 00:29:08,440 Speaker 2: across on someone who you think thinks said about you, 656 00:29:09,040 --> 00:29:10,680 Speaker 2: it's really uncomfortable and what do you do? 657 00:29:11,120 --> 00:29:11,960 Speaker 5: Yeah, it is. 658 00:29:12,000 --> 00:29:13,240 Speaker 2: It's so hard to think about. 659 00:29:13,440 --> 00:29:15,680 Speaker 3: Yeah, somebody else said, a joke is only a joke 660 00:29:15,760 --> 00:29:18,080 Speaker 3: if everybody finds it funny and not hurtful. 661 00:29:18,280 --> 00:29:20,600 Speaker 2: Yes, completely agree, which I could not agree more with. 662 00:29:21,240 --> 00:29:23,240 Speaker 3: Someone else said, to be honest, I offered to be 663 00:29:23,440 --> 00:29:26,200 Speaker 3: on call this year to avoid big in law drama 664 00:29:26,280 --> 00:29:27,320 Speaker 3: at Christmas time. 665 00:29:27,680 --> 00:29:30,440 Speaker 2: So keen to be at home clever, very clever. 666 00:29:30,600 --> 00:29:32,120 Speaker 3: And then last, they want to finish off on this one, 667 00:29:32,160 --> 00:29:34,520 Speaker 3: which says if they weren't family and they were your 668 00:29:34,560 --> 00:29:36,120 Speaker 3: friends instead, would. 669 00:29:35,960 --> 00:29:39,680 Speaker 2: You go that's your answer. That's a great point. 670 00:29:40,040 --> 00:29:43,239 Speaker 3: Don't feel obliged. People feel obliged to do things at 671 00:29:43,240 --> 00:29:46,080 Speaker 3: this time of year, and you need to put yourself first. 672 00:29:46,120 --> 00:29:46,960 Speaker 3: And that's totally okay. 673 00:29:47,080 --> 00:29:49,040 Speaker 2: Yeah, completely agree. It's the one time of year where 674 00:29:49,040 --> 00:29:50,800 Speaker 2: you should be seeing the people that you love the most, 675 00:29:50,880 --> 00:29:53,120 Speaker 2: and that might be friends, that might be a partner, 676 00:29:53,240 --> 00:29:55,680 Speaker 2: that might be whoever. But if you're not very happy 677 00:29:56,000 --> 00:29:58,520 Speaker 2: seeing these people that you grew up with. That's okay 678 00:29:58,560 --> 00:30:00,880 Speaker 2: as well. Just do what makes you at the end 679 00:30:00,880 --> 00:30:03,320 Speaker 2: of the day all the time. I think it's a 680 00:30:03,360 --> 00:30:05,520 Speaker 2: really great place to leave it. I think you're totally right. 681 00:30:05,720 --> 00:30:07,360 Speaker 3: Thank you guys so much for spending the week with us, 682 00:30:07,800 --> 00:30:11,160 Speaker 3: Wishing you the happiest, merriest, most joyous Christmas ever. No 683 00:30:11,280 --> 00:30:13,280 Speaker 3: matter what you're doing or you're spending it with, whether 684 00:30:13,320 --> 00:30:15,480 Speaker 3: you celebrate or not, know that our whole team is 685 00:30:15,480 --> 00:30:18,520 Speaker 3: sending so much love to you and we're really excited 686 00:30:18,800 --> 00:30:20,240 Speaker 3: to hang out with you again on Monday for a 687 00:30:20,320 --> 00:30:20,760 Speaker 3: money diary. 688 00:30:20,880 --> 00:30:23,000 Speaker 2: Merry Christmas everyone, and if you're spending the day alone, 689 00:30:23,080 --> 00:30:24,800 Speaker 2: just know that we are here right here with you. 690 00:30:25,000 --> 00:30:27,600 Speaker 2: So have a gorgeous day and a very merry Christmas. 691 00:30:27,800 --> 00:30:28,960 Speaker 2: Bye everyone, Bye. 692 00:30:35,480 --> 00:30:38,000 Speaker 5: The advice shared on She's on the Money is general 693 00:30:38,080 --> 00:30:41,280 Speaker 5: in nature and does not consider your individual circumstances. 694 00:30:41,640 --> 00:30:42,160 Speaker 2: She's on the. 695 00:30:42,200 --> 00:30:45,680 Speaker 5: Money exists purely for educational purposes and should not be 696 00:30:45,840 --> 00:30:49,160 Speaker 5: relied upon to make an investment or financial decision. If 697 00:30:49,200 --> 00:30:51,520 Speaker 5: you do choose to buy a financial product, read the 698 00:30:51,600 --> 00:30:55,800 Speaker 5: PDS TMD and obtain appropriate financial advice tailored towards your 699 00:30:55,880 --> 00:30:59,520 Speaker 5: needs Victoria divine and she's on the money. Are authorized 700 00:30:59,560 --> 00:31:02,400 Speaker 5: represent gives of money, sirper P T Y L T 701 00:31:02,560 --> 00:31:05,240 Speaker 5: D A b N three two one six four nine 702 00:31:05,400 --> 00:31:08,320 Speaker 5: two seven seven zero eight a F s L four 703 00:31:08,440 --> 00:31:09,880 Speaker 5: five one two eight nine