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Speaker 1: My name is Tatasha Bamblet. I'm a proud First Nations

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Speaker 1: woman and I'm here to acknowledge country t Glenn Young Ganya, Niana,

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Speaker 1: Kaka yah y and beIN Ahaka Nian our gay In Mbini,

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Speaker 1: yakarum Jar Dominyamiga Umagahawaka Woman Damon Imlan Mbaban Gadabomba in

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Speaker 1: and now in wakah Ghana on yak rum Jar Waternata. Hello,

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Speaker 1: beautiful friends, we gather on the lands of the Aboriginal people.

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Speaker 1: We thank acknowledge and respect the Aberiginal people's land that

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Speaker 1: we're gathering on today. Take pleasure in all the land

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Speaker 1: and respect all that you see. She's on the Money

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Speaker 1: podcast acknowledges culture, country, community and connections, bringing you the tools,

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money. She's on the Money. Hello and welcome.

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Speaker 2: Deg's on the Money, the podcast that makes personal finance fun,

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Speaker 2: especially on Fridays. It is our favorite day of the

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Speaker 2: week because we get to get our team together and

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Speaker 2: celebrate you our incredible She's on the Money community, Miss Garci.

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Speaker 2: She's here as always sharing her favorite money wins. We've

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Speaker 2: got Miss beck sayed back sharing her broke tips, and

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Speaker 2: we'll be helping to answer a money dilemma that's all

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Speaker 2: about whether you should actually think about seeing a financial

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Speaker 2: advisor and something that you slid into our dms about.

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Speaker 2: We love this part. What do you do when someone

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Speaker 2: isn't paying for the medical care that their pet needs? No,

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Speaker 2: that's going to make me sad? Yes, so the answer

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Speaker 2: is right, have a good day. We'll see you on

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Speaker 2: Monday for Money Days. Before we get through though my loves.

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Speaker 2: My favorite part is stroking our own egos. Of course,

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Speaker 2: do you want me to read youve star review? Yes? Please? Okay,

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Speaker 2: so this one's from Katie. Katie's delightful not only coach.

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Speaker 2: She gave us a five star review, but what she

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Speaker 2: said so she said She's on the Money's podcast is

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Speaker 2: informative yet broken down to be easily understood and explained.

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Speaker 2: The girls are so passionate and keep the podcasts entertaining

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Speaker 2: and interesting. I love that there's three different episodes a

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Speaker 2: week that are in different formats which keep things interesting,

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Speaker 2: like the deep dives, the Money Dairies, and the Fridays

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Speaker 2: with the Money Dilemma and then spicy topics. Thanks for

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Speaker 2: making financial education so accessible for women and anyone else

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Speaker 2: who wants to listen to your podcast and breaking down

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Speaker 2: the barriers to financial independence. Oh we here. Yeah, we're

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Speaker 2: here for the girls, the guys, the gays that everybody

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Speaker 2: is everyone. No, we're not. We're not here for the guys.

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Speaker 2: We're here for the girls, the gays and day exactly here.

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Speaker 3: That's why.

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Speaker 2: The guys, if you're listening and you're with us, you're

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Speaker 2: allowed anyone who's kind and welcoming, you know what. That's

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Speaker 2: so true, You're all welcome. I just want more friends, honestly,

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Speaker 2: I just want a new power. And if you let

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Speaker 2: me talk money at you, instant in, exactly instant in.

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Speaker 2: My other favorite part of this week because I dropped

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Speaker 2: being like, oh, how are your weeks? Because I got

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Speaker 2: boring for everybody because we were always like yes, so

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Speaker 2: Jess still works in partnerships and that still goes to

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Speaker 2: work and then comes to she's on the money. It's

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Speaker 2: time for that part of Friday Drinks where you guys

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Speaker 2: get to ask one question that you have been dying

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Speaker 2: to know. It can be literally about anything, like this

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Speaker 2: week's one from Zoe, who wants to know, are you ready? Yeah,

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Speaker 2: what are the events or core memories in your money

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Speaker 2: story that have shaped your money mentality. Oh, you go first.

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Speaker 2: I don't even know. No, I don't want to go first.

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Speaker 2: I've got a few in my brain, but I'll just

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Speaker 2: raad a little off really quickly. Yeh, I'm ready. Okay.

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Speaker 4: So when I went bankrupt, I remember I also at

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Speaker 4: the same time applied for and was approved for one

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Speaker 4: bedroom apartment by myself, and I don't know why did

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Speaker 4: exicon four it. But then I took out three pay

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Speaker 4: day loans to pay for the bond and the first

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Speaker 4: month's rent, and then I went bankrupt.

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Speaker 2: That was a call memory because it was it was

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Speaker 2: just like a really stressful tie.

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Speaker 4: We're kind of felt like rock bottom, I would say,

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Speaker 4: but in okay, I got to stop doing this and

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Speaker 4: ever since then, from that day forward, I never got

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Speaker 4: a credit card. I never got any I never got

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Speaker 4: into debt again, aside from like you know, sometimes I

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Speaker 4: borrow runny from friends. Sometimes I have to pay big

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Speaker 4: fines in installments for parking fines. But other than that,

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Speaker 4: it's because I wasn't allowed to receive credit card. But

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Speaker 4: also I'm scared of being a debt so that's a

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Speaker 4: thing as well.

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Speaker 2: That made me feel like trash. Yes exactly. I was like, Okay,

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Speaker 2: well that didn't feel good.

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Speaker 5: You've only gone up from there, exactly, made a lot

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Speaker 5: of progress.

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Speaker 2: You've made oodles of progress. She's an infesta. She started

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Speaker 2: to say, who is this woman? Thank you? It's really hard.

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Speaker 2: I was like racking my brains.

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Speaker 5: I don't think I have a specific incident necessarily, but

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Speaker 5: I think just the general feeling that I had around

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Speaker 5: money growing up, like observing a lot of anxiety between

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Speaker 5: my parents that then kind of transferred onto me, especially

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Speaker 5: because I already with kind of like predisposed to anxiety.

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Speaker 5: So I think just that observation of all of the

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Speaker 5: additional challenges that not having money. I was like, there's

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Speaker 5: the obvious, like Okay, I can't afford to buy something

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Speaker 5: because I don't have the money to buy it, but

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Speaker 5: like the way that it seeps into a lot of

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Speaker 5: other areas in your life. And I think that was

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Speaker 5: really formative to me because as we know now, I'm

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Speaker 5: quite risk adverse.

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Speaker 2: And I got a job.

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Speaker 5: Really yeah, I got a job as soon as I

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Speaker 5: was able to have been working since I was fifteen

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Speaker 5: and nine months and I've worked multiple jobs most.

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Speaker 2: Of the time across that time.

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Speaker 5: And yes, when I was younger and I didn't have

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Speaker 5: the financial literacy, I was spending it as quickly as

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Speaker 5: I was earning.

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Speaker 2: I just don't know.

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Speaker 5: But also I think like I've all always I don't

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Speaker 5: really know how to articulate it. I've always been money motivated.

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Speaker 5: I guess like I've always been like, oh, I'm happy

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Speaker 5: to work really hard if the outcome is I'm she.

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Speaker 2: Does work really hard. Oh yeah, I'm happy to wear

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Speaker 2: multiple jobs.

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Speaker 5: I'm happy to do whatever, because I think, like I

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Speaker 5: never want to be in that space of anxiety, like

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Speaker 5: I've seen what it does. Yeah, and you know, even

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Speaker 5: like now with building the house, like I've taken on

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Speaker 5: a second job, not because I necessarily have to, but

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Speaker 5: because I.

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Speaker 2: Think it's so I in the nicest possible way, Like

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Speaker 2: just as there's some time off and she's using her

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Speaker 2: time off to work, thank you, even though like and

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Speaker 2: I'm like, bad, do I not pay you enough? And

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Speaker 2: she's like no, no, no, But like this opportunity came

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Speaker 2: up for me to freelance, and I'm like, okay, please

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Speaker 2: don't burn yourself out.

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Speaker 5: And I do like When I really reflect on that,

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Speaker 5: I think it is like because deep down I have

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Speaker 5: the anxiety of knowing, like that's a huge responsibility. I

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Speaker 5: want a buffer. I also would like to be able

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Speaker 5: to buy some nice new furniture when I move in

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Speaker 5: and stuff like that.

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Speaker 2: So like also, like I mean, we're talking about ten

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Speaker 2: thousand dollar couches, so maybe it is time ually you

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Speaker 2: got a second job, because that's won't be me. That's

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Speaker 2: for sure, definitely not in my budget. But there's all

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Speaker 2: these things nice though it would be lovely.

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Speaker 5: There's all these things that I want to do that

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Speaker 5: I go, okay, well, Like when I started building, I

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Speaker 5: couldn't afford to like do my laundry. So I know

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Speaker 5: that down the track I'm going I want to renovate

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Speaker 5: my laundry. I need to earn that money. I want

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Speaker 5: to do it soon and later, okay, like I'll work more.

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Speaker 2: And so I think that.

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Speaker 5: Mentality comes from like being young and going okay, well,

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Speaker 5: the way to broaden my horizons, I guess is to

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Speaker 5: just work really hard and like I love that. I

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Speaker 5: know it's not that simple obviously for a lot of people,

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Speaker 5: but yeah, but I don't think a lot of people go, well,

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Speaker 5: I'd never afford that.

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Speaker 2: Yeah, are come looking for ways to increase their income

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Speaker 2: or use their time differently. And please don't get me wrong,

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Speaker 2: I'm not saying you have to get second job, no, no,

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Speaker 2: no stuff, but like if you are so clear on

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Speaker 2: your outcome and you're like, wow, I want that so much,

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Speaker 2: like you're happy to trade the free time that you

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Speaker 2: have for cash so that you get the outcome that

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Speaker 2: you want your yes, slay Like that's fine by me,

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Speaker 2: Whereas I'm like, just don't you need a break? And

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Speaker 2: I think that's sleep when I'm dead. Yeah, That's something

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Speaker 2: that then annoys me because people ask that of me.

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Speaker 2: They will always be like when do you stop? Like

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Speaker 2: why do you always work? And I'm like, well, it's

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Speaker 2: just part of me, Like I just I get bored,

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Speaker 2: like ask yes, I go on a two week holiday,

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Speaker 2: give me three days. And she's hearing from me, like

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Speaker 2: I feel so bad for the team because they're always like,

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Speaker 2: oh my god, viz away, what a time And I'm like, hello,

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Speaker 2: it is me. I have had this idea, but like

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Speaker 2: some of us are built for it, some of us

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Speaker 2: don't want to and that doesn't matter. Yeah, I'm at you. Oh.

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Speaker 2: If I reflect on it again, there's some core memories

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Speaker 2: that if I'm being really honest, I don't want to

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Speaker 2: share on a platform to one point eight million people

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Speaker 2: because it involves family and like financial struggle and just

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Speaker 2: watching that layout as I was younger, and I don't

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Speaker 2: think that's fair when I'm not getting the privilege of

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Speaker 2: being a money darist where I'm completely anonymous, like that's

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Speaker 2: you know, these core memories aren't my experiences, if that

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Speaker 2: makes sense. They're like my experiences as a bystander. So

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Speaker 2: seeing family members. I have had family, not my parents,

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Speaker 2: but I've had family members go completely broke. I've had friends,

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Speaker 2: you know, go bankrupt, and growing up, I did see

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Speaker 2: a lot of financial struggle. I didn't grow up with

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Speaker 2: a silver spoon in my mouth, like absolutely not. I

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Speaker 2: was the same as Jess fourteen and nine months had

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Speaker 2: my first job. Before that, my mum literally bought a

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Speaker 2: coffee cart to make me work so that I would

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Speaker 2: get a good work ethic. And I mean the woman

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Speaker 2: was wrong. It works, But for me it was around

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Speaker 2: not my personal experience necessarily, but seeing other people struggle.

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Speaker 2: And I didn't want to be like that. But I

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Speaker 2: also didn't have the financial literacy to work out how

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Speaker 2: not to be like that. And then when I got

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Speaker 2: into literally forty thousand dollars worth of personal debt on

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Speaker 2: my own, spending it on consumer goods. I think I

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Speaker 2: have this core memory of laying away at night, and

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Speaker 2: I think I've shared this before, and remember realizing that

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Speaker 2: I was two days away from my like loan repayment,

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Speaker 2: and my rent had just come out, and my loan

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Speaker 2: repayment was eight hundred and eighty three dollars. I remember

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Speaker 2: it so clearly, and I knew that that would overdraw

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Speaker 2: my account, and I couldn't do anything about it, like

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Speaker 2: there was no way to earn additional income. I had

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Speaker 2: a full time job, Like I just knew that was

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Speaker 2: going to be my reality, and I knew that my

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Speaker 2: account was going to overdraw. And this core memory that

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Speaker 2: I have is, like, how did I get here? Someone

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Speaker 2: that respects themselves doesn't get themselves into this position, Like,

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Speaker 2: and I remember that like respect thing so much because

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Speaker 2: like you know, you talk about it, no, you like

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Speaker 2: think about it and you're like, oh my god, I'm

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Speaker 2: so dumb, I'm so silly, and like all of these

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Speaker 2: things are so dumb, But ultimately I was like, nobody

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Speaker 2: that respects themselves really really really deeply puts themselves in

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Speaker 2: a worse off position. And we're not like, I'm not

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Speaker 2: talking about people who have debt in general, I'm talking

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Speaker 2: about concer debt. I'm talking about the fact that I

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Speaker 2: had beautiful shoes, an amazing wardrobe, and god, I'm still

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Speaker 2: getting wear out of that test. But like, all these

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Speaker 2: just stuff to appeal to other people or to make

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Speaker 2: me feel like I was better that Like, sorry, none

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Speaker 2: of that actually added up. All of that stuff in

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Speaker 2: my wardrobe was once money, and in that moment, I

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Speaker 2: would have swapped it all because I just felt so stressed.

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Speaker 2: I couldn't sleep, I couldn't eat, I was so just

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Speaker 2: burnt out. And it wasn't because my job was working

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Speaker 2: me hard. It was because I had put myself in

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Speaker 2: this position and I knew that I needed to change.

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Speaker 2: And I think that one of my core memories is

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Speaker 2: just that laying awake, being like, what's got to change?

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Speaker 2: And I didn't know. I didn't know at that time,

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Speaker 2: and I think it was that hopelessness. Wasn't like, Wow,

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Speaker 2: I have this revelation in the middle of the night,

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Speaker 2: and I had all the answers. When I woke up

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Speaker 2: and I started getting out of debt, I didn't I

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Speaker 2: didn't have the answers. I just knew that I felt

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Speaker 2: sick and something needed to change, and I didn't know

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Speaker 2: what needed to change. But I was really embarrassed. So

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Speaker 2: for me, that's a big memory to bring down the moad. No,

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Speaker 2: but I feel like a lot of people like I,

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Speaker 2: not to that extreme, but like when I had my DAT,

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Speaker 2: I had like a similar thing. You go, how did

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Speaker 2: I get here? Like what have I got to show

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Speaker 2: for it? Like I think that feeling of like, oh

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Speaker 2: my god, I'm an idiot always and like you're going

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Speaker 2: I promise you're not, but like you just feel that

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Speaker 2: way because like I would look down and see the

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Speaker 2: pair of shoes on the floor that I didn't need,

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Speaker 2: that I bought a week before, and I'm like, that's

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Speaker 2: like one hundred and fifty dollars less that I could

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Speaker 2: have had overdrawn on my account for this loan repayment.

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Speaker 2: What you're doing?

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Speaker 5: Yeah, that feeling like inside of you, I think is

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Speaker 5: something a lot of people probably could identify with.

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Speaker 2: And I needly that sounds so bad because like I

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Speaker 2: don't want anyone to experience that feeling. But also, I

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Speaker 2: told you before that I grew up seeing financial hardship,

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Speaker 2: and I grew up, you know, experiencing these things. So

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Speaker 2: it wasn't like I wasn't privy to the fact that

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Speaker 2: money was important. For some reason, or lack of financial literacy,

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Speaker 2: or you know, just treating myself a little too well,

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Speaker 2: I ended up literally in the same position. That's how

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Speaker 2: the cycle keeps going on. It happens and happens and happens,

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Speaker 2: and that's fine. But let's lighten the mood because I

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Speaker 2: can see Jess she's got her list. I sure do

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Speaker 2: like what our community money wins and confessions this week.

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Speaker 5: Firstly, this week, I've got a money win from Heather,

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Speaker 5: who said she was chatting with a girl who was

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Speaker 5: selling a few pairs of her Alice Katie' shorts on

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Speaker 5: Facebook marketplace. She was tossing up on which color to

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Speaker 5: buy from her, and when the package turned up, the

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Speaker 5: girl had sent her two pairs of shorts with a

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Speaker 5: handwritten note saying she knew that she was tossing up,

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Speaker 5: so she threw both in what an angel. Oh, it's

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Speaker 5: like a nice little a little sweet moment.

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Speaker 2: I love that.

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Speaker 5: Next, I've got a money in from Emily, who said

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Speaker 5: she went onto her employe portal to see what benefits

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Speaker 5: they offer, and she's now on a corporate health plan.

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Speaker 5: Her curR insurance is bundled and she's saving herself eighty

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Speaker 5: dollars a month. She's going over all of the other

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Speaker 5: benefits that she can get. She's also managed to reduce

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Speaker 5: her monthly phone bill. She's canceled subscriptions, one hundred and

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Speaker 5: eighty bucks per month.

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Speaker 2: Back in her pocket. Gorgeous. How good is that?

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Speaker 5: Next, I've got one from Gemma, who said she entered

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Speaker 5: a South Australian government cash back ballot and she won,

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Speaker 5: so she gets up to fifty dollars back on meals

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Speaker 5: at a heap of different places across Essay over the summer.

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Speaker 3: Oh.

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Speaker 5: I don't know if this is still running, but I

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Speaker 5: thought good one to say. If you are in South Australia,

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Speaker 5: maybe check your government website. There might be something there

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Speaker 5: for you. Next, I've got a money in from Erin,

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Speaker 5: who said she just saved about one hundred and fifty

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Speaker 5: bucks on school uniforms by finding a local parents page

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Speaker 5: where people buy a swap and sell secondhand. Ones's genius

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Speaker 5: makes the firsty much less stressful, she said, and she's

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Speaker 5: saving clothes from going into landfill, which I loved. And

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Speaker 5: then last of this week, I've got money in from

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Speaker 5: Ray who said she has consolidated all of her savings

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Speaker 5: accounts so that the house deposit got a healthy boost

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Speaker 5: right before the end of the year. She's so much

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Speaker 5: closer now, not trying to juggle all of these different

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Speaker 5: accounts that she had, and it's way less stressful as well.

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Speaker 2: Adore, I literally love that good job everybody. I feel

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Speaker 2: like that's really fun. But in what I'm more excited about.

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Speaker 2: Love that broke to you lips. What have you got

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Speaker 2: on the table? So this first one comes from Sigi,

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Speaker 2: who that's cute names. I really love this name.

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Speaker 4: That's this day, who says just bought Chelsea Goodwin's Money

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Speaker 4: Saving Recipe book to try and find ways to cut

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Speaker 4: the grocery bill during week, which I think is an

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Speaker 4: incredible very excited to read it. So I think it's

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Speaker 4: a great tip for people who are like because I

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Speaker 4: think I'm kind of doing that. At the moment, I

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Speaker 4: was going through my list of things for the week,

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Speaker 4: that I had, Like I just realized I didn't have

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Speaker 4: any money as per usual, but I was like, okay,

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Speaker 4: how can I What can I scrimp on?

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Speaker 2: And you really can do it cheaply. So I think

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Speaker 2: it's such if we're just so biteful of.

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Speaker 4: What we're buying every single second of every day, I

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Speaker 4: think it's a really good place to start to save money.

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Speaker 2: So for those of you who might not have heard

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Speaker 2: of Chelsea, Yes, well, I think we need to give

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Speaker 2: a little bit of an introduction. She's done an episode

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Speaker 2: on the show. She's a friend of She's on the money,

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Speaker 2: she is literally an angel. Will put the link to

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Speaker 2: her episode in the show notes, and I'll also put

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Speaker 2: the link to her book in the show notes as well,

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Speaker 2: because she does ten dollar meal plans, so she's not

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Speaker 2: just doing like, oh, here's a ten dollar meal that

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Speaker 2: you can go and make. Because I think everybody now knows,

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Speaker 2: sorry Curtis Stone, no longer does the ten dollar meal

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Speaker 2: truly exist? Yes, but what she does is gives you

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Speaker 2: like a weak meal plan and says, Okay, you're gonna

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Speaker 2: buy this cut of chicken, divide it up like this,

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Speaker 2: make sure that, like you know, the wings go into

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Speaker 2: this and the breasts go into this particular dish and

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Speaker 2: gives you a list. So you're not even like just

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Speaker 2: doing one meal. She gives you like a number of them.

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Speaker 2: I believe you can do three or five day plans.

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Speaker 2: And she gives you the shopping list and you take

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Speaker 2: it to the supermarket and it will come out in

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Speaker 2: the wash to be. You know, if it's a five

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Speaker 2: day plan about fifty dollars worth of groceries, you get

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Speaker 2: five dinners out of it. Okay, amazing, Sorry for four

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Speaker 2: people like serve meal plans serve two adults, two kids,

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Speaker 2: okay for.

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Speaker 4: Ten dollar rus sounds like approximately three for one single adults.

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Speaker 2: Actually just so good, Like I love the concept. Don't

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Speaker 2: get me wrong. We all know that I'm Amali Spoon

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Speaker 2: Girly through and through because I just don't have the

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Speaker 2: time or the capacity to pick out all of these things.

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Speaker 2: But I'm also in a Facebook group. I'm actually part

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Speaker 2: of her cult, like I am Chelsea's biggest fan. She's

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Speaker 2: also based in Tasmania. We all know how much I

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Speaker 2: love Tasmania given I'm from there, But go follow her

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Speaker 2: on socials. I'll put that in the show notes too,

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Speaker 2: because I love her so much, but the amount of

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Speaker 2: people in her Facebook group that are sharing like more hacks,

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Speaker 2: more tips and tricks, like additional add ons of like

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Speaker 2: snacks that you can make, or how to make that

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Speaker 2: meal so like you might be making a resulto or something,

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Speaker 2: how to like freeze it so that you can get

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Speaker 2: some freezer stash meals up, or even just sharing more

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Speaker 2: money hacks and tips and tricks around saving on your groceries.

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Speaker 2: Her Facebook group has it, so we'll link that as well. Chelsea,

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Speaker 2: we love you. That's a really good recommendation, Beck. But

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Speaker 2: for those of you who maybe hadn't been introduced to

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Speaker 2: Chelse before, let this be your introduction. Hey you go

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Speaker 2: there go Okay.

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Speaker 4: My next one comes from Prayer, who gave a shout

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Speaker 4: out to Prime Reading, which I had not heard of.

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Speaker 4: So anyone who has an Amazon Prime membership has access

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Speaker 4: to Prime Reading, where you can access over three thousand

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Speaker 4: digital books, audiobooks, magazines, comics and more. You know that's incredible,

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Speaker 4: Thank you, Priya. And then my one, what have you got?

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Speaker 4: As I was just talking about before, I have no

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Speaker 4: money for food, but I still want chocky and so

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Speaker 4: I like to make a melted chocolate and strawberry situation.

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Speaker 2: And I realized the other day the strawberries at the

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Speaker 2: moment are so good. I know, God, they love God,

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Speaker 2: They're good. But you know, the blocks are eight dollars sorry,

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Speaker 2: like crazy. They were five dollars a year ago, Matt,

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Speaker 2: I just say block. I thought was still a lot

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Speaker 2: because in my head, Block of chocolate's four dollars fifty. Yeah, yeah, yeah,

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Speaker 2: fully in my head.

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Speaker 4: Sorry, I know, on special all the time, and like

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Speaker 4: they were always on special, they were like three dollars fifty.

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Speaker 2: I feel like when we talk about this stuff, like

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Speaker 2: obviously I'm part of it, but I always think of

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Speaker 2: when Kim Kardashian got asked on the Call Her Daddy

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Speaker 2: podcast how much milk was, Oh, yes, and she didn't know,

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Speaker 2: and I was like, Queen, we never know. It's changing

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Speaker 2: every week. Don't get me wrong, she clearly doesn't know,

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Speaker 2: but I was just like, every time, for some reason,

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Speaker 2: Kim Kardashian comes into my head and for me, she's

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Speaker 2: the marker of the cost of living crisis.

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Speaker 4: Yes, exactly, exactly, but you know, if things ebbed and flowed,

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Speaker 4: it's like, okay, right now, Coco is expensive, so it's

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Speaker 4: more expensive. Soon it won't be down, not like that,

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Speaker 4: not like that, It's just going to stay that way forever,

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Speaker 4: no matter how cheap you gets. How are you getting

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Speaker 4: cheap trucks anyway? Well, this is what I realized, you

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Speaker 4: know how sometimes and this is not good for the environment,

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Speaker 4: but you know, sometimes when you go into that first

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Speaker 4: section of the chocolate aisle and there's just all those

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Speaker 4: bars and they're like, oh really sometimes really really cheap.

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Speaker 4: Sometimes you get like three for a dollar or something.

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Speaker 4: Those for some reason are always really cheap. Anyway, I

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Speaker 4: calculated that sometimes buying those instead of the bars when

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Speaker 4: on sale, Yes, cheaper unit price. So it's like, what

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Speaker 4: is it four hundred y grams or so for the block, Yeah,

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Speaker 4: and you can get that same amount in the bars, yeah.

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Speaker 2: Eighty gram bar or whatever cheaper, and it's not. I

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Speaker 2: wouldn't have worked. I would have just sick. I mean,

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Speaker 2: the chocolate's still in wrapping. Two is just bigger wrapping.

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Speaker 2: So I'm not going to crucify you for that. Thank

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Speaker 2: you so much, but like, you're right, I wouldn't have

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Speaker 2: ever thought that the chocky bars that are like for

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Speaker 2: individual consumption would be a money win, because like I

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Speaker 2: would have thought that per gram would have been more expensive.

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Speaker 2: And sometimes it's a money win. But if I've got

430
00:20:32,800 --> 00:20:37,920
Speaker 2: individual chockey bars in my house, they're not going to last.

431
00:20:38,040 --> 00:20:39,639
Speaker 2: So is it a money win? If I ate them

432
00:20:39,640 --> 00:20:41,920
Speaker 2: all before I did what was intended with them? Still

433
00:20:42,160 --> 00:20:44,320
Speaker 2: money win? That's the money you know what. I don't

434
00:20:44,359 --> 00:20:48,560
Speaker 2: question people's money wins or Brooke Tip no no, or

435
00:20:48,600 --> 00:20:51,719
Speaker 2: Bogs either. We just you know what. I'm not going

436
00:20:51,800 --> 00:20:54,119
Speaker 2: to argue with you. Thank you, just not get it.

437
00:20:54,200 --> 00:20:57,840
Speaker 2: Quain strawberries. Give them to Jess. What a good present?

438
00:20:58,560 --> 00:21:00,760
Speaker 2: I just I love a choking struggleh God.

439
00:21:00,840 --> 00:21:01,000
Speaker 5: I know.

440
00:21:01,280 --> 00:21:03,320
Speaker 2: Let's go to a really quick break actually, because we

441
00:21:03,400 --> 00:21:05,159
Speaker 2: have let this episode get away from us, and I

442
00:21:05,359 --> 00:21:07,440
Speaker 2: know that you are all waiting for us to answer

443
00:21:07,440 --> 00:21:09,639
Speaker 2: the money dilemma, which is all about whether you should

444
00:21:09,640 --> 00:21:13,119
Speaker 2: actually think about seeing a financial advisor, and then something

445
00:21:13,200 --> 00:21:15,920
Speaker 2: spicy that split into our dms this week, What do

446
00:21:15,960 --> 00:21:18,400
Speaker 2: you do when someone isn't paying for the medical care

447
00:21:18,440 --> 00:21:26,240
Speaker 2: that their pet needs. Don't go anywhere. Welcome back, everybody.

448
00:21:26,359 --> 00:21:30,919
Speaker 2: Let's take a listen to this week's money dilemma. Hi,

449
00:21:31,080 --> 00:21:33,440
Speaker 2: there have you got a money dilemma? You just can't

450
00:21:33,520 --> 00:21:36,120
Speaker 2: solve the Sheese on the Money team is here to help.

451
00:21:36,520 --> 00:21:39,480
Speaker 2: Every week, we tackle your dilemmas, both big and small,

452
00:21:39,600 --> 00:21:42,600
Speaker 2: to answer your most burning money, career and life questions.

453
00:21:42,880 --> 00:21:45,360
Speaker 2: To get involved, simply head to our website and leave

454
00:21:45,440 --> 00:21:47,560
Speaker 2: us a short voice recording and you might just find

455
00:21:47,600 --> 00:21:50,200
Speaker 2: yourself on the show. Now, let's take a listen to

456
00:21:50,359 --> 00:21:51,520
Speaker 2: this week's money dilemma.

457
00:21:54,040 --> 00:21:56,879
Speaker 3: Hi, ladies, love the pod. For as long as I

458
00:21:56,920 --> 00:21:59,960
Speaker 3: can remember, my big financial goal has been to say

459
00:22:00,240 --> 00:22:02,720
Speaker 3: my house deposit and get an apartment, which I've just

460
00:22:02,840 --> 00:22:04,639
Speaker 3: bought in the last couple of months, which I'm so

461
00:22:04,880 --> 00:22:08,080
Speaker 3: excited about. But now I'm kind of thinking about what

462
00:22:08,240 --> 00:22:10,760
Speaker 3: my next goals are and what those next steps are

463
00:22:11,000 --> 00:22:14,960
Speaker 3: towards you're building a big financial future. I'm wondering whether

464
00:22:15,000 --> 00:22:18,240
Speaker 3: it's too early to start talking to a financial planner.

465
00:22:18,680 --> 00:22:22,520
Speaker 3: I'm thirty seven currently with about thirty thousand in savings,

466
00:22:23,359 --> 00:22:26,359
Speaker 3: just wondering if you can give any advice on when's

467
00:22:26,400 --> 00:22:28,480
Speaker 3: the right time to see a financial planner and if

468
00:22:28,480 --> 00:22:31,000
Speaker 3: I need to have more money I guess to play

469
00:22:31,080 --> 00:22:34,919
Speaker 3: with for that conversation to be worthwhile. Any advice you've

470
00:22:34,960 --> 00:22:36,119
Speaker 3: got would be great. Thanks.

471
00:22:36,480 --> 00:22:39,520
Speaker 2: What do you guys reckon? It's a good question. I

472
00:22:39,760 --> 00:22:41,879
Speaker 2: think about this too. I'm like, if you have.

473
00:22:43,440 --> 00:22:47,600
Speaker 4: Savings, and I guess, at what point is it beneficial

474
00:22:48,160 --> 00:22:52,320
Speaker 4: to spend those savings on ways to save more and

475
00:22:52,440 --> 00:22:53,600
Speaker 4: better and more efficiently.

476
00:22:53,720 --> 00:22:56,080
Speaker 2: I guess I'm not very helpful because I have the.

477
00:22:56,080 --> 00:22:58,520
Speaker 4: Same question in my head, But I think, like, if

478
00:22:58,520 --> 00:23:00,840
Speaker 4: it's going to beneficial, then I guess anytimes a good

479
00:23:00,880 --> 00:23:03,520
Speaker 4: time if you can afford it, right, I don't.

480
00:23:03,320 --> 00:23:04,720
Speaker 2: Know, miss j Goricci.

481
00:23:04,840 --> 00:23:07,359
Speaker 5: I'm of the opinion that I personally would only want

482
00:23:07,359 --> 00:23:09,000
Speaker 5: to see an advisor for help with something that I

483
00:23:09,080 --> 00:23:10,240
Speaker 5: could not do myself.

484
00:23:10,400 --> 00:23:13,560
Speaker 2: Ah, and she's a financially literate queen, so whates she do.

485
00:23:14,800 --> 00:23:17,040
Speaker 5: So it's obviously a big investment to see an advisor.

486
00:23:17,359 --> 00:23:18,840
Speaker 5: You would have a much better pulse check on this.

487
00:23:18,920 --> 00:23:21,919
Speaker 5: But it's several thousand dollars generally for a holistic statement

488
00:23:21,960 --> 00:23:22,439
Speaker 5: of advice.

489
00:23:22,640 --> 00:23:26,120
Speaker 2: Okay, so finance just to caveat, not you keep going,

490
00:23:26,240 --> 00:23:29,720
Speaker 2: but just a caveat. Advice in Australia sits between five

491
00:23:29,760 --> 00:23:31,840
Speaker 2: and seven thousand dollars for a statement of advice, and

492
00:23:31,920 --> 00:23:32,920
Speaker 2: that's your initial piece.

493
00:23:33,400 --> 00:23:35,720
Speaker 5: Yes, So like for me to make that investment. I

494
00:23:35,920 --> 00:23:38,040
Speaker 5: wouldn't be wanting to see an advisor for them to

495
00:23:39,200 --> 00:23:42,360
Speaker 5: tidy up my finances. Like that's something you can do yourself,

496
00:23:42,560 --> 00:23:43,040
Speaker 5: or you can.

497
00:23:43,000 --> 00:23:44,200
Speaker 2: Speak to Carre.

498
00:23:44,600 --> 00:23:46,600
Speaker 5: Yeah, there are lots of other things that or other

499
00:23:46,640 --> 00:23:49,760
Speaker 5: people you can talk to that don't require financial advisor specifically.

500
00:23:50,240 --> 00:23:52,800
Speaker 5: I would only be going to a financial advisor again personally,

501
00:23:52,840 --> 00:23:56,399
Speaker 5: if I needed help with like gearing my assets for

502
00:23:56,640 --> 00:23:57,440
Speaker 5: tax purposes.

503
00:23:57,680 --> 00:23:58,119
Speaker 3: Who is she?

504
00:23:58,960 --> 00:24:01,080
Speaker 2: Sorry? When you started on the podcast, you would never

505
00:24:01,160 --> 00:24:03,000
Speaker 2: be like, I'll see an advisor when I want to

506
00:24:03,080 --> 00:24:08,240
Speaker 2: gear my assets. Oh, my name's Steven and I work

507
00:24:08,280 --> 00:24:11,159
Speaker 2: in finance. No, I'm just kidding. No, he works in analytics.

508
00:24:11,600 --> 00:24:12,840
Speaker 2: I know that's exactly.

509
00:24:14,320 --> 00:24:16,240
Speaker 5: So something like that, Or if I wanted help with

510
00:24:16,440 --> 00:24:19,480
Speaker 5: my investments, but for my personal strategy and the amount

511
00:24:19,520 --> 00:24:22,639
Speaker 5: that I'm investing, I'm very happy and able to manage

512
00:24:22,680 --> 00:24:25,280
Speaker 5: that by myself. I think that it just wouldn't be

513
00:24:25,320 --> 00:24:28,840
Speaker 5: worth it for me. I'm team like, there's so much

514
00:24:28,920 --> 00:24:31,440
Speaker 5: information out there. I learned everything I know from this

515
00:24:31,600 --> 00:24:33,159
Speaker 5: podcast from Victoria, and.

516
00:24:33,880 --> 00:24:36,880
Speaker 2: She was learning everything from the podcast before she started

517
00:24:36,960 --> 00:24:39,480
Speaker 2: working for the podcast. That's why she got her job,

518
00:24:39,560 --> 00:24:41,320
Speaker 2: because she made me this and this is like a

519
00:24:41,440 --> 00:24:44,640
Speaker 2: flashback to those who listened to like early season two

520
00:24:44,760 --> 00:24:47,280
Speaker 2: that you were on. She literally made me a YouTube

521
00:24:47,359 --> 00:24:50,920
Speaker 2: video of how she had used the information from the

522
00:24:51,000 --> 00:24:53,040
Speaker 2: podcast to change her life. And she's like, and now

523
00:24:53,119 --> 00:24:55,439
Speaker 2: I want to work with you guys, And I was like, welcome,

524
00:24:55,560 --> 00:24:58,680
Speaker 2: come this way. Oh my god, I didn't mind that.

525
00:24:58,880 --> 00:25:00,960
Speaker 2: I'm going to find it. Yeah. Please.

526
00:25:01,240 --> 00:25:03,320
Speaker 5: There's lots of resources out there, and I just think

527
00:25:03,400 --> 00:25:05,920
Speaker 5: to make that investment of five seven thousand dollars, you

528
00:25:05,920 --> 00:25:08,520
Speaker 5: would want it to be. Not that financial advice is

529
00:25:08,600 --> 00:25:10,600
Speaker 5: not worth their while, like it absolutely is, but I

530
00:25:10,640 --> 00:25:13,280
Speaker 5: think only in specific situations.

531
00:25:12,840 --> 00:25:14,800
Speaker 2: One hundred percent. I guess I'll just fly through this

532
00:25:14,880 --> 00:25:17,920
Speaker 2: because I really do back what both of you have said.

533
00:25:18,040 --> 00:25:21,920
Speaker 2: As an ex financial advisor, there is a thousand percent

534
00:25:22,119 --> 00:25:27,840
Speaker 2: value in seeing a financial advisor, but caveat it's expensive

535
00:25:27,920 --> 00:25:30,399
Speaker 2: to do so that doesn't mean you shouldn't see them.

536
00:25:30,480 --> 00:25:33,119
Speaker 2: But if you're talking about your savings and you're just

537
00:25:33,160 --> 00:25:36,280
Speaker 2: wanting a little bit of guidance, I probably would shy

538
00:25:36,320 --> 00:25:38,399
Speaker 2: away from it a little bit. There are lots of

539
00:25:38,440 --> 00:25:41,880
Speaker 2: different types of financial advisors as well, so you guys

540
00:25:42,000 --> 00:25:44,639
Speaker 2: know that Phil Thompson friend of the show. We always

541
00:25:44,680 --> 00:25:48,040
Speaker 2: talk about sky wealth because I'm wildly passionate about making

542
00:25:48,080 --> 00:25:51,040
Speaker 2: sure that you get your insurances sorted. Like it's not

543
00:25:51,119 --> 00:25:53,520
Speaker 2: the sexiest thing in the world. But most people only

544
00:25:53,640 --> 00:25:57,960
Speaker 2: go to see a insurance financial advisor when they experience

545
00:25:58,040 --> 00:26:00,639
Speaker 2: a life event. So they will usually see and this

546
00:26:00,840 --> 00:26:03,720
Speaker 2: is just really unfortunate. They might see someone else going

547
00:26:03,760 --> 00:26:05,320
Speaker 2: through a life event and go, oh my god, this

548
00:26:05,400 --> 00:26:07,200
Speaker 2: happened to my friend. I want to make sure I'm protected.

549
00:26:07,440 --> 00:26:10,320
Speaker 2: Or they have been diagnosed with something, or they've changed

550
00:26:10,400 --> 00:26:12,800
Speaker 2: jobs or had a baby, or bought a house or

551
00:26:13,240 --> 00:26:16,000
Speaker 2: you know, gotten married, like their big life events usually

552
00:26:16,119 --> 00:26:19,320
Speaker 2: send people to a insurance financial advisor, and they just

553
00:26:19,400 --> 00:26:21,439
Speaker 2: want to be very clear that their fees are around

554
00:26:21,520 --> 00:26:25,119
Speaker 2: five hundred dollars because they are not holistic. So you

555
00:26:25,240 --> 00:26:27,480
Speaker 2: go to a Fiel's company. Yeah, like it's a thousand

556
00:26:27,720 --> 00:26:30,040
Speaker 2: from my perspective, I've done that. Sorry, that is it. Yeah,

557
00:26:30,160 --> 00:26:33,480
Speaker 2: from my perspective, go see an insurance advisor. So Jess

558
00:26:33,560 --> 00:26:36,440
Speaker 2: technically has a financial advisor or her insurances, and I

559
00:26:36,520 --> 00:26:38,640
Speaker 2: believe you talk to them sometimes about super because they're

560
00:26:38,640 --> 00:26:40,840
Speaker 2: still financial advisors. They know their stuff. You can like

561
00:26:40,920 --> 00:26:43,800
Speaker 2: slip in a few little questions here. It's so good,

562
00:26:44,119 --> 00:26:48,399
Speaker 2: but getting that sorted, I fear is a non negotiable

563
00:26:48,440 --> 00:26:50,520
Speaker 2: for me. Yes, so spend the money on that. But

564
00:26:50,640 --> 00:26:54,080
Speaker 2: when we're talking about holistic financial advice, that type of

565
00:26:54,160 --> 00:26:58,080
Speaker 2: advice costs between five and seven thousand dollars, and most

566
00:26:58,119 --> 00:26:59,600
Speaker 2: of the time I'd prefer you to have that five

567
00:26:59,720 --> 00:27:01,919
Speaker 2: or seven one thousand dollars still in your savings account.

568
00:27:02,320 --> 00:27:05,240
Speaker 2: So Jess is right. There's so much information there about

569
00:27:05,560 --> 00:27:08,040
Speaker 2: cleaning up your own finances, Like there's a free budget

570
00:27:08,080 --> 00:27:10,680
Speaker 2: on our website that you can do, Like you could spend,

571
00:27:11,040 --> 00:27:13,040
Speaker 2: you know, a couple of hundred dollars to do my

572
00:27:13,119 --> 00:27:16,320
Speaker 2: money masterclass, which would give you an entire cash flow

573
00:27:16,440 --> 00:27:20,120
Speaker 2: system and would even direct you towards which money goes

574
00:27:20,160 --> 00:27:23,080
Speaker 2: into which bank accounts, Like there are so many different

575
00:27:23,119 --> 00:27:25,680
Speaker 2: options out there that put you in the best possible position.

576
00:27:26,400 --> 00:27:29,440
Speaker 2: But unless you're wanting to see a financial advisor who's

577
00:27:29,480 --> 00:27:33,359
Speaker 2: holistic to take care of all your supranuation, your investment strategy,

578
00:27:34,080 --> 00:27:39,280
Speaker 2: your insurances, and literally everything else, I probably would shy

579
00:27:39,320 --> 00:27:42,080
Speaker 2: away from it a little bit. And it's honest to God.

580
00:27:42,280 --> 00:27:44,920
Speaker 2: One of the reasons I am not a financial advisor anymore.

581
00:27:45,080 --> 00:27:47,960
Speaker 2: I just couldn't justify it. Don't get me wrong, the

582
00:27:48,040 --> 00:27:51,119
Speaker 2: advice I was giving was putting people in hundreds of

583
00:27:51,200 --> 00:27:55,800
Speaker 2: thousands of dollars better off situations. But the idea that

584
00:27:56,280 --> 00:27:58,479
Speaker 2: if I became not a financial advisor, I could keep

585
00:27:58,520 --> 00:28:00,960
Speaker 2: giving more financial literacy way for free, and I could

586
00:28:01,040 --> 00:28:02,879
Speaker 2: keep guiding people down the garden path to be like,

587
00:28:03,040 --> 00:28:05,440
Speaker 2: make your own decisions, but here's a plethora of resources

588
00:28:05,480 --> 00:28:08,080
Speaker 2: that you could use. I feel like my IMPACT's bigger here,

589
00:28:08,640 --> 00:28:11,320
Speaker 2: and like that's I guess, you know, a very good

590
00:28:11,400 --> 00:28:14,160
Speaker 2: indicator that I believe maybe in doing it yourself. Yeah,

591
00:28:14,359 --> 00:28:17,119
Speaker 2: we have a full episode two called Financial Advisors, Who What?

592
00:28:17,200 --> 00:28:17,360
Speaker 1: When?

593
00:28:17,359 --> 00:28:17,800
Speaker 2: We're How?

594
00:28:18,400 --> 00:28:20,840
Speaker 5: And that takes you guys did that, and it takes

595
00:28:20,880 --> 00:28:22,960
Speaker 5: everyone through a much more in depth look at the

596
00:28:23,040 --> 00:28:25,040
Speaker 5: things you can examine, because we definitely do have people

597
00:28:25,080 --> 00:28:26,159
Speaker 5: that we recommend.

598
00:28:25,840 --> 00:28:28,160
Speaker 2: To absolutely, so we'll link that in the show notes.

599
00:28:28,200 --> 00:28:30,760
Speaker 2: And what we'll also link in the show notes is

600
00:28:31,240 --> 00:28:33,280
Speaker 2: if you've gone all right, well, via I hear you

601
00:28:33,520 --> 00:28:36,560
Speaker 2: it is expensive, I've actually come into an inheritance, or

602
00:28:36,600 --> 00:28:39,560
Speaker 2: I've actually decided that I need a personal trainer for

603
00:28:39,680 --> 00:28:41,720
Speaker 2: my money and five grand I know it sounds like

604
00:28:41,760 --> 00:28:43,440
Speaker 2: a lot, but like I know, I'll be hundreds of

605
00:28:43,480 --> 00:28:45,520
Speaker 2: thousands of dollars better off in the long term, and

606
00:28:45,600 --> 00:28:48,520
Speaker 2: I'll have this person on my team. I can match

607
00:28:48,600 --> 00:28:51,880
Speaker 2: you with a financial advisor, so I'm not saying they're bad.

608
00:28:52,040 --> 00:28:55,200
Speaker 2: I have so like as you can understand, most of

609
00:28:55,200 --> 00:28:57,720
Speaker 2: my friends are financial advisors and I believe in them.

610
00:28:57,880 --> 00:29:00,240
Speaker 2: And I have a number of advisers that I could

611
00:29:00,280 --> 00:29:02,400
Speaker 2: match you with. So go to our website bill in

612
00:29:02,440 --> 00:29:05,560
Speaker 2: our get matched with a financial advisor form. My team

613
00:29:05,600 --> 00:29:06,960
Speaker 2: will have a look at it and match you with

614
00:29:07,080 --> 00:29:09,920
Speaker 2: one that is right and what we believe perfect for

615
00:29:10,000 --> 00:29:14,120
Speaker 2: your situation. Because once you've decided to see a financial advisor,

616
00:29:14,720 --> 00:29:16,880
Speaker 2: one of the most complicated things is finding one that's

617
00:29:16,960 --> 00:29:22,200
Speaker 2: not dodgy. Anyway, let's leave that there, because spicy content

618
00:29:22,480 --> 00:29:26,000
Speaker 2: is calling my name. Yay, are you ready ready? This week,

619
00:29:26,080 --> 00:29:28,640
Speaker 2: I had someone slide into our dams and I put

620
00:29:28,680 --> 00:29:30,960
Speaker 2: it on the stories for you guys to get involved.

621
00:29:31,360 --> 00:29:33,280
Speaker 2: And I'm not gonna lie. I picked this one because

622
00:29:33,400 --> 00:29:36,239
Speaker 2: pissed me off the most. Hi. My sister in law

623
00:29:36,320 --> 00:29:38,680
Speaker 2: lives with my partner and his mother after she left

624
00:29:38,720 --> 00:29:42,560
Speaker 2: a toxic relationship She's an amazing, dedicated mum and has

625
00:29:42,640 --> 00:29:46,880
Speaker 2: a dog who is absolutely gorgeous cure so far, he's

626
00:29:47,000 --> 00:29:49,760
Speaker 2: recently broken out of the gate, ran onto the road,

627
00:29:50,160 --> 00:29:52,600
Speaker 2: and was hit by a car. We all rushed him

628
00:29:52,640 --> 00:29:56,040
Speaker 2: to the emergency vet. He survived, thankfully, but suffered head

629
00:29:56,080 --> 00:29:59,480
Speaker 2: trauma and needs ongoing checkups. My sister in law keeps

630
00:29:59,560 --> 00:30:02,400
Speaker 2: delaying follow ups, and I think it's because of the money.

631
00:30:03,040 --> 00:30:05,680
Speaker 2: But she gets a fair bit of government support, earns

632
00:30:05,760 --> 00:30:07,880
Speaker 2: more than me, and spends freely on a lot of

633
00:30:07,960 --> 00:30:11,200
Speaker 2: non essentials. Morally, I can't stand by and watch him

634
00:30:11,280 --> 00:30:14,000
Speaker 2: potentially suffer. I've offered to get quotes and even pay

635
00:30:14,040 --> 00:30:16,400
Speaker 2: for it myself, but she doesn't reply to me. I

636
00:30:16,560 --> 00:30:19,120
Speaker 2: already covered the emergency bill, but I don't want to

637
00:30:19,160 --> 00:30:21,480
Speaker 2: set the expectation that I'm always going to pay in

638
00:30:21,560 --> 00:30:25,720
Speaker 2: this circumstance. I just wish she'd prioritize him. Here's her dog.

639
00:30:26,080 --> 00:30:29,800
Speaker 2: What would you do, sister in law? A mother sister

640
00:30:29,920 --> 00:30:32,120
Speaker 2: in law? It says my sister in law lives with

641
00:30:32,280 --> 00:30:34,680
Speaker 2: my partner and his mom. I got it, okay, thanks,

642
00:30:34,680 --> 00:30:35,000
Speaker 2: So her.

643
00:30:34,960 --> 00:30:36,800
Speaker 4: Partner lives with his mum, and then the sister just

644
00:30:36,880 --> 00:30:42,320
Speaker 4: moved back is the mother? Is that just her partner

645
00:30:42,480 --> 00:30:45,080
Speaker 4: and her partner's sister, And yeah, I think so they're

646
00:30:45,120 --> 00:30:45,400
Speaker 4: the mom.

647
00:30:45,840 --> 00:30:48,200
Speaker 2: Yeah, Like I like that. We're getting into the semantics

648
00:30:48,240 --> 00:30:50,600
Speaker 2: of it. So the mom has a house clearly, and

649
00:30:50,680 --> 00:30:52,680
Speaker 2: her partner lives in that house, and then her sister

650
00:30:52,760 --> 00:30:54,920
Speaker 2: in law has just moved back into the family home.

651
00:30:55,080 --> 00:30:57,520
Speaker 2: I'm assuming two siblings one mom. Yeah's so funny, as

652
00:30:57,520 --> 00:30:59,960
Speaker 2: she said his mom, Yeah, I had a little turn around.

653
00:31:00,080 --> 00:31:02,960
Speaker 2: That's okay. I want to know about the dog content,

654
00:31:03,080 --> 00:31:05,720
Speaker 2: not the literal situation there. You're so right, You're all right, Sorry,

655
00:31:06,280 --> 00:31:06,800
Speaker 2: what would I do?

656
00:31:06,920 --> 00:31:08,920
Speaker 4: I guess because as you were talking, I was thinking, like,

657
00:31:09,000 --> 00:31:12,320
Speaker 4: oh my god, Like I know that in hindsight you

658
00:31:12,480 --> 00:31:14,000
Speaker 4: always say like, oh, don't get a dog if you

659
00:31:14,040 --> 00:31:16,080
Speaker 4: can't afford it. I understand, but things aren't always perfect,

660
00:31:16,120 --> 00:31:18,080
Speaker 4: and sometimes you get into situations that you can't afford

661
00:31:18,120 --> 00:31:19,960
Speaker 4: and you're just stressed and anxious and you don't know

662
00:31:19,960 --> 00:31:21,480
Speaker 4: what to do. So as you were talking, I was like,

663
00:31:21,640 --> 00:31:23,600
Speaker 4: she's probably feeling like that. But then you said that

664
00:31:23,920 --> 00:31:26,640
Speaker 4: you were offering to pay you pay for the emergency thing.

665
00:31:27,040 --> 00:31:29,640
Speaker 4: She doesn't reply, And now I'm like, is it the

666
00:31:29,760 --> 00:31:31,560
Speaker 4: money is it the admin?

667
00:31:31,880 --> 00:31:34,320
Speaker 2: I'm like, what is it? I think I would try

668
00:31:34,400 --> 00:31:36,560
Speaker 2: and see because your partner lives with the dog too,

669
00:31:36,680 --> 00:31:38,280
Speaker 2: so I would kind of like talking to my partner

670
00:31:38,320 --> 00:31:39,720
Speaker 2: being like, what the heck's going on with the dog?

671
00:31:39,880 --> 00:31:41,200
Speaker 4: Yeah, I would talk to my partner and see how

672
00:31:41,200 --> 00:31:42,959
Speaker 4: the dog's going, like if the dog seems like it's

673
00:31:43,480 --> 00:31:46,600
Speaker 4: really in the a bad way or like, is maybe

674
00:31:46,800 --> 00:31:48,200
Speaker 4: because I know it's just like it kind of does

675
00:31:48,320 --> 00:31:48,960
Speaker 4: need check ups?

676
00:31:49,560 --> 00:31:52,000
Speaker 2: Is it currently suffering? Do we know?

677
00:31:52,280 --> 00:31:54,560
Speaker 4: It's hard to say, but I think is there anyway

678
00:31:54,560 --> 00:31:55,920
Speaker 4: your partner can get involved here?

679
00:31:55,960 --> 00:31:59,640
Speaker 2: Because it feels like it's you or your fire. Yeah,

680
00:32:00,160 --> 00:32:01,640
Speaker 2: it's very hard to watch, I understand.

681
00:32:01,800 --> 00:32:04,400
Speaker 4: I think, like, honestly, I know this sounds like extreme,

682
00:32:04,480 --> 00:32:06,000
Speaker 4: but I've been in situations where I have had to

683
00:32:06,040 --> 00:32:10,840
Speaker 4: call RSPCA and just and explain the situation, because sometimes

684
00:32:10,880 --> 00:32:15,280
Speaker 4: it is better to get the dog in safer hands,

685
00:32:15,440 --> 00:32:18,840
Speaker 4: even if you I have a friend who's literally stole

686
00:32:18,920 --> 00:32:21,080
Speaker 4: the dog that was being treated poorly, and now the

687
00:32:21,160 --> 00:32:23,160
Speaker 4: dog is in a beautiful, safe home.

688
00:32:23,400 --> 00:32:26,600
Speaker 2: And sorry, I would recommend I cannot, like, I'm sorry,

689
00:32:26,640 --> 00:32:30,480
Speaker 2: I'm such an animal person. I'd steal a dog absolutely, Sorry,

690
00:32:30,560 --> 00:32:32,760
Speaker 2: I would if I could get away with it, and

691
00:32:32,760 --> 00:32:34,840
Speaker 2: I knew that I wouldn't go to jail. But and

692
00:32:34,880 --> 00:32:35,240
Speaker 2: it's a dog.

693
00:32:35,320 --> 00:32:38,280
Speaker 4: If you know the dog's being treated badly, I definitely knew,

694
00:32:38,880 --> 00:32:40,640
Speaker 4: So I think in this situation, like, yeah, see if

695
00:32:40,640 --> 00:32:42,320
Speaker 4: your partner can get involved. Doesn't sound like a partner's

696
00:32:43,360 --> 00:32:45,360
Speaker 4: doing anything about this either, Like it just sounds like

697
00:32:45,360 --> 00:32:49,320
Speaker 4: it's you in a separate house looking at what's happening

698
00:32:49,440 --> 00:32:51,880
Speaker 4: and not having any control or power of a situation,

699
00:32:52,120 --> 00:32:54,160
Speaker 4: trying to help and not getting anywhere. And that's really

700
00:32:54,240 --> 00:32:57,000
Speaker 4: really stressful. So maybe your partner can try and talk

701
00:32:57,040 --> 00:33:00,440
Speaker 4: to I'm assuming his sister and if you can talk

702
00:33:00,480 --> 00:33:02,280
Speaker 4: some sense into her or like figure out why she's

703
00:33:02,320 --> 00:33:04,560
Speaker 4: not replying, ask him to tell her to reply to you, Like,

704
00:33:04,960 --> 00:33:07,000
Speaker 4: get the partner involved. It sounds like he's more close

705
00:33:07,040 --> 00:33:09,480
Speaker 4: to the situation, you know. But yeah, for the meantime,

706
00:33:10,200 --> 00:33:13,520
Speaker 4: if it gets really really dire, steal the dog or

707
00:33:14,160 --> 00:33:17,200
Speaker 4: call RPKA. I think that just to be very clear

708
00:33:17,240 --> 00:33:19,720
Speaker 4: that advice is coming from miss Becky. Yes, she's on

709
00:33:19,800 --> 00:33:25,960
Speaker 4: the Money podcast. She's on the Money podcast. Will still

710
00:33:27,000 --> 00:33:28,120
Speaker 4: air that content.

711
00:33:30,760 --> 00:33:34,400
Speaker 2: Because everybody is open to their opinions. I couldn't agree more.

712
00:33:34,520 --> 00:33:35,480
Speaker 2: I do agree.

713
00:33:35,600 --> 00:33:37,800
Speaker 5: I think that it sounds like the people in the

714
00:33:37,880 --> 00:33:39,360
Speaker 5: house probably need to be the ones to tackle it.

715
00:33:39,360 --> 00:33:41,520
Speaker 5: They're also probably better place because they're family. Like having

716
00:33:41,560 --> 00:33:44,040
Speaker 5: an outsider coming and make commentary, whether it's on your

717
00:33:44,080 --> 00:33:46,200
Speaker 5: financial position, whether it's on the way you're taking care

718
00:33:46,240 --> 00:33:48,560
Speaker 5: of your animals, it's probably not gonna it's gonna put

719
00:33:48,560 --> 00:33:50,959
Speaker 5: her off side. So I think it's best to at

720
00:33:51,000 --> 00:33:55,400
Speaker 5: your partner, maybe his mum involved in that conversation. Yeah,

721
00:33:55,440 --> 00:33:57,240
Speaker 5: it's kind of really in two places, because if she's

722
00:33:57,320 --> 00:33:59,560
Speaker 5: not doing it because of the finances, there are resources

723
00:33:59,600 --> 00:34:02,120
Speaker 5: out there that are available to help her with those bills.

724
00:34:02,200 --> 00:34:05,800
Speaker 5: A lot of the animal shelters animal charities will provide

725
00:34:06,000 --> 00:34:10,440
Speaker 5: free care, reduced cost care payment plans, et cetera, dependent

726
00:34:10,480 --> 00:34:12,880
Speaker 5: on the situation. So that is an option that is

727
00:34:12,920 --> 00:34:15,759
Speaker 5: available to her. If it's that she's just a poor

728
00:34:15,880 --> 00:34:19,640
Speaker 5: pet owner. I have a lot less empathy because I

729
00:34:19,719 --> 00:34:22,800
Speaker 5: think you were saying, suss, if the dog seems fine,

730
00:34:23,239 --> 00:34:26,560
Speaker 5: I actually don't think that's an acceptable option because if

731
00:34:26,640 --> 00:34:29,600
Speaker 5: a medical professional has told you and I personally treat

732
00:34:29,680 --> 00:34:32,600
Speaker 5: a pet as a human like I'm a little bit crazy,

733
00:34:32,680 --> 00:34:36,279
Speaker 5: like I'm a member of the family. You are responsible

734
00:34:36,360 --> 00:34:38,680
Speaker 5: for them. In adopting or purchasing a pet, you have

735
00:34:38,840 --> 00:34:43,120
Speaker 5: taken on the responsibility to uphold their care. And there

736
00:34:43,160 --> 00:34:45,480
Speaker 5: are a lot of medical things and like I know

737
00:34:45,600 --> 00:34:47,239
Speaker 5: this now is like I have a cat who was

738
00:34:47,320 --> 00:34:50,799
Speaker 5: diagnosed with something he was suffering with theoretically for since

739
00:34:50,840 --> 00:34:53,120
Speaker 5: birth that we had no idea until we caught it right,

740
00:34:53,239 --> 00:34:55,480
Speaker 5: and that was only because we were getting things checked.

741
00:34:56,400 --> 00:34:58,560
Speaker 5: You there can be things going on that are not

742
00:34:58,760 --> 00:35:01,400
Speaker 5: apparent or that might take a while to manifest physically.

743
00:35:01,400 --> 00:35:04,040
Speaker 5: It's if a medical professional has said this dog needs

744
00:35:04,080 --> 00:35:05,840
Speaker 5: to be checked regularly to make sure they don't have

745
00:35:05,920 --> 00:35:08,120
Speaker 5: a concussion, or they don't have internal bleeding, or they

746
00:35:08,160 --> 00:35:08,920
Speaker 5: don't have whatever.

747
00:35:09,520 --> 00:35:11,480
Speaker 2: You're not gonna hit by a car and someone told

748
00:35:11,520 --> 00:35:13,080
Speaker 2: you to follow it up and then you didn't. I

749
00:35:13,200 --> 00:35:15,479
Speaker 2: just feel like that slack ye one hundred percent follow

750
00:35:15,480 --> 00:35:17,040
Speaker 2: the advice of the medical professional. I get that.

751
00:35:17,120 --> 00:35:21,000
Speaker 5: It's like I hate paying vet bills. There's nothing worse. However,

752
00:35:21,800 --> 00:35:25,000
Speaker 5: it is very important you signed up for this exactly right.

753
00:35:25,120 --> 00:35:27,160
Speaker 5: And if it's again, I do have sympathy if it's

754
00:35:27,160 --> 00:35:30,160
Speaker 5: a financial thing, and I think definitely lean on those resources,

755
00:35:30,200 --> 00:35:32,120
Speaker 5: But the fact that she's not coming back to our

756
00:35:32,239 --> 00:35:34,879
Speaker 5: listener makes me think that it's more than that. Either

757
00:35:34,960 --> 00:35:38,400
Speaker 5: she's embarrassed, in which case I do. I understand, but

758
00:35:39,160 --> 00:35:40,800
Speaker 5: you've got to get over it, basically, like you have

759
00:35:40,840 --> 00:35:43,560
Speaker 5: a responsibility to uphold. You need to find a way

760
00:35:43,560 --> 00:35:46,680
Speaker 5: to make that happen. And if it's just she's perceiving

761
00:35:46,760 --> 00:35:48,960
Speaker 5: it as not important, that's a whole other issue.

762
00:35:49,160 --> 00:35:52,520
Speaker 2: Yeah, I really struggle with this question. I'm a pet person,

763
00:35:52,800 --> 00:35:56,640
Speaker 2: just like Jess. I have two Burmese cats and a

764
00:35:56,800 --> 00:35:59,680
Speaker 2: dog led Lucy, and you guys have heard about them

765
00:35:59,680 --> 00:36:02,319
Speaker 2: a million times, and they are the loves of my life.

766
00:36:02,400 --> 00:36:04,760
Speaker 2: In fact, I remember when I was pregnant with Harvey,

767
00:36:04,840 --> 00:36:07,359
Speaker 2: people would message me, what's going to happen with Lucy

768
00:36:07,480 --> 00:36:10,640
Speaker 2: now that you're having a baby? Crazy? And people assumed

769
00:36:10,640 --> 00:36:12,560
Speaker 2: I would like give away my dogs or my cat

770
00:36:12,680 --> 00:36:15,120
Speaker 2: because I was having a child. And then people would

771
00:36:15,120 --> 00:36:17,880
Speaker 2: make weird comments. And I call them weird comments because like,

772
00:36:17,920 --> 00:36:20,640
Speaker 2: I didn't ask for your opinion, but weird comments like oh,

773
00:36:20,920 --> 00:36:23,840
Speaker 2: once the baby comes along, the pets get completely sidelined.

774
00:36:23,880 --> 00:36:26,279
Speaker 2: Absolutely not like, don't get me wrong, At the time,

775
00:36:26,320 --> 00:36:28,160
Speaker 2: I'm like, oh, well, I guess I've never been a parent.

776
00:36:28,200 --> 00:36:30,399
Speaker 2: I'm not going to understand until i am. Those pets

777
00:36:30,440 --> 00:36:32,920
Speaker 2: have never been more loved, like they are still part

778
00:36:33,000 --> 00:36:35,400
Speaker 2: of the family. And please, don't get me wrong. You

779
00:36:35,480 --> 00:36:37,879
Speaker 2: might be going, oh, Victory Devines speaking from a place

780
00:36:37,920 --> 00:36:40,840
Speaker 2: of privilege, she can afford her betvills. You are absolutely correct.

781
00:36:40,880 --> 00:36:43,640
Speaker 2: But my first cat, Bailey, is now sixteen years old,

782
00:36:43,719 --> 00:36:46,279
Speaker 2: and I bought him with the last two hundred and

783
00:36:46,360 --> 00:36:49,400
Speaker 2: fifty dollars that I had in my account from someone

784
00:36:49,719 --> 00:36:53,080
Speaker 2: putting him up for adoption on gum Tree. And was

785
00:36:53,160 --> 00:36:58,040
Speaker 2: that a good financial decision? Arguably not terrible financial decision

786
00:36:58,480 --> 00:37:01,239
Speaker 2: like using your last two hundred and fifty dollars. I

787
00:37:01,360 --> 00:37:04,920
Speaker 2: had no savings, I had no emergency fund, nothing, but like,

788
00:37:05,200 --> 00:37:07,680
Speaker 2: I wanted this cat so bad. And this is why

789
00:37:07,719 --> 00:37:09,239
Speaker 2: I'm like, no, no, no, I get it when it

790
00:37:09,280 --> 00:37:11,880
Speaker 2: comes to pets, because yes, there's gonna be a lot

791
00:37:11,920 --> 00:37:13,480
Speaker 2: of people who go they need to be in the budget.

792
00:37:13,480 --> 00:37:15,160
Speaker 2: You need an emergency fund for this. That the other

793
00:37:15,239 --> 00:37:17,399
Speaker 2: I get it. That is the advice I will give

794
00:37:17,480 --> 00:37:19,480
Speaker 2: you because that is what is going to put you

795
00:37:19,560 --> 00:37:21,879
Speaker 2: in the best possible position. But like at the time,

796
00:37:22,360 --> 00:37:24,719
Speaker 2: I needed a pet. I was stressed, and I knew

797
00:37:24,760 --> 00:37:26,400
Speaker 2: that this would be the best thing for me and

798
00:37:26,520 --> 00:37:28,360
Speaker 2: that cat, I swear to God, is the love of

799
00:37:28,480 --> 00:37:31,680
Speaker 2: my life. If anything happens to that cat, this podcast

800
00:37:31,840 --> 00:37:33,920
Speaker 2: is canceled, I will never be able to get out

801
00:37:33,960 --> 00:37:37,120
Speaker 2: of bed, which is not a great thing to say

802
00:37:37,200 --> 00:37:41,040
Speaker 2: when your cat is sixteen years olds. But even in

803
00:37:41,160 --> 00:37:45,239
Speaker 2: those times, I remember being like, well, I would just

804
00:37:45,320 --> 00:37:48,000
Speaker 2: go into debt. I suppose, like I remember my parents

805
00:37:48,080 --> 00:37:50,520
Speaker 2: being like Victoria to Fine, like, you can't have a pet.

806
00:37:50,920 --> 00:37:55,000
Speaker 2: You are in a share house for one. You also

807
00:37:55,239 --> 00:37:57,520
Speaker 2: don't have any money. How are you? And this is

808
00:37:57,560 --> 00:38:00,239
Speaker 2: before I even got myself into debt, so yolo, I

809
00:38:00,400 --> 00:38:03,320
Speaker 2: was just never good at money from the start. I

810
00:38:03,640 --> 00:38:06,520
Speaker 2: would have happily gone into debt. Hey day, loan great,

811
00:38:06,840 --> 00:38:08,840
Speaker 2: it's for my cat, Like it would have just not

812
00:38:08,960 --> 00:38:10,960
Speaker 2: been a question in the same way that if my

813
00:38:11,120 --> 00:38:13,920
Speaker 2: child needs something, I'm going to pay for it. But

814
00:38:14,960 --> 00:38:19,120
Speaker 2: I just don't comprehend, and I think this is a

815
00:38:19,239 --> 00:38:22,000
Speaker 2: really hard thing to do. But I can't comprehend when

816
00:38:22,040 --> 00:38:24,080
Speaker 2: people don't care about things as much as I do,

817
00:38:24,840 --> 00:38:27,640
Speaker 2: and I know they don't. Otherwise, if people cared as

818
00:38:27,719 --> 00:38:30,520
Speaker 2: much about animals as Jess and I do. The RSPCA

819
00:38:30,640 --> 00:38:34,120
Speaker 2: wouldn't exist because it wouldn't be necessary because that stuff

820
00:38:34,120 --> 00:38:38,279
Speaker 2: would just never happen. And so yeah, I really just

821
00:38:38,400 --> 00:38:41,799
Speaker 2: struggle with it and kind of go. I just think

822
00:38:41,880 --> 00:38:45,719
Speaker 2: that irrespective of your financial situation, like you should be

823
00:38:45,800 --> 00:38:48,319
Speaker 2: looking into it. Can you go directly to the RSPCA,

824
00:38:48,520 --> 00:38:51,279
Speaker 2: like maybe the local vet is really expensive. I know

825
00:38:51,400 --> 00:38:53,759
Speaker 2: that there are welfare clinics. I know that there are

826
00:38:53,880 --> 00:38:57,520
Speaker 2: people out there who you know, would help put your

827
00:38:57,600 --> 00:38:59,839
Speaker 2: hand up, And honestly, if you're not able to look

828
00:38:59,920 --> 00:39:01,600
Speaker 2: up after the PET, I think you need to find

829
00:39:01,640 --> 00:39:04,480
Speaker 2: a better option. And I'm not saying that going into

830
00:39:04,520 --> 00:39:07,399
Speaker 2: debt's a good thing, but like from my perspective, that's

831
00:39:07,480 --> 00:39:09,520
Speaker 2: exactly what I would have done. And you know what

832
00:39:09,640 --> 00:39:12,000
Speaker 2: I did. One time, I put like fifteen hundred dollars

833
00:39:12,080 --> 00:39:14,440
Speaker 2: on my credit card with Bailey. I'd had him for

834
00:39:14,480 --> 00:39:16,960
Speaker 2: maybe three years because he's an idiot and swallowed a

835
00:39:17,000 --> 00:39:21,400
Speaker 2: paper clip. Are you joking? Yeah, but I didn't have

836
00:39:21,480 --> 00:39:23,880
Speaker 2: that money. Yeah, Like that second the vet said, oh,

837
00:39:23,960 --> 00:39:26,040
Speaker 2: this is going to be like fifteen hundred bucks. Of

838
00:39:26,040 --> 00:39:27,920
Speaker 2: these days, it would probably cost you four grand for

839
00:39:27,960 --> 00:39:30,360
Speaker 2: the same surgery, but he literally had to have surgery

840
00:39:30,400 --> 00:39:33,040
Speaker 2: to remove a paper clip because the idiot is followed.

841
00:39:33,400 --> 00:39:35,719
Speaker 5: Yeah, and if all else fails, I know it's not

842
00:39:35,760 --> 00:39:38,279
Speaker 5: a fun option, but you can rehome the animal and

843
00:39:38,440 --> 00:39:40,520
Speaker 5: find it a loving place in a family that can

844
00:39:40,680 --> 00:39:41,960
Speaker 5: take on the medical care.

845
00:39:42,040 --> 00:39:44,640
Speaker 2: And me's exactly all right. So I asked the community,

846
00:39:44,800 --> 00:39:49,000
Speaker 2: and thankfully, I think we're all pet people. The first

847
00:39:49,080 --> 00:39:50,800
Speaker 2: question I asked was what would you do if you

848
00:39:50,880 --> 00:39:53,560
Speaker 2: were our community member. Fifty seven percent of you said,

849
00:39:53,920 --> 00:39:57,000
Speaker 2: please be direct about your concerns, twenty seven percent said

850
00:39:57,040 --> 00:39:59,879
Speaker 2: stay out of it, it's her dog, eleven percent said

851
00:40:00,040 --> 00:40:03,359
Speaker 2: take the dog yourself the beck, and five percent said

852
00:40:03,560 --> 00:40:07,399
Speaker 2: go start getting quotes. Anyway. I asked another question, would

853
00:40:07,400 --> 00:40:11,280
Speaker 2: you be able to handle unexpected ongoing pet costs? Thirty

854
00:40:11,360 --> 00:40:14,040
Speaker 2: two percent said, and I love this. You said, I've

855
00:40:14,040 --> 00:40:17,279
Speaker 2: built it into my emergency fund. Nice snap. Twenty eight

856
00:40:17,320 --> 00:40:20,080
Speaker 2: percent of you don't have pets, so that's fine. Twenty

857
00:40:20,120 --> 00:40:22,440
Speaker 2: one percent of you said I have pet insurance, and

858
00:40:22,600 --> 00:40:25,560
Speaker 2: nineteen percent of you said hopefully I'd have to find

859
00:40:25,800 --> 00:40:28,960
Speaker 2: the money at the time, which, like, I get it,

860
00:40:29,080 --> 00:40:32,320
Speaker 2: and I think it's it. This is where like money

861
00:40:32,440 --> 00:40:36,440
Speaker 2: reality and money, like expectations and the blueprint of like

862
00:40:36,719 --> 00:40:40,240
Speaker 2: perfectly saving and investing come in conflict because your emotions

863
00:40:40,280 --> 00:40:44,200
Speaker 2: are involved totally. And that's okay too. So then I said, guys,

864
00:40:44,320 --> 00:40:47,800
Speaker 2: what's your two cents? So first person said, since she

865
00:40:47,920 --> 00:40:50,480
Speaker 2: paid the emergency bill, I believe you have the ability

866
00:40:50,600 --> 00:40:53,400
Speaker 2: to voice your concerns. I do agree with that, Like,

867
00:40:53,560 --> 00:40:55,680
Speaker 2: you're the one that paid, and then they're not following up.

868
00:40:56,440 --> 00:40:58,680
Speaker 2: And I'm assuming you didn't ask for money back because

869
00:40:58,719 --> 00:41:00,440
Speaker 2: you just said I paid for it, and then you

870
00:41:00,520 --> 00:41:01,919
Speaker 2: didn't say and she paid me back.

871
00:41:02,080 --> 00:41:02,640
Speaker 3: Yeah. Yeah.

872
00:41:03,440 --> 00:41:06,279
Speaker 2: Next person said, speak with your partner about the situation. Yes,

873
00:41:06,440 --> 00:41:08,560
Speaker 2: he may be able to speak with your sister in

874
00:41:08,640 --> 00:41:10,080
Speaker 2: law and get through to her or even talk to

875
00:41:10,160 --> 00:41:12,840
Speaker 2: her mum. Yeah, I'm gonna call your mom. Literally, you

876
00:41:12,880 --> 00:41:15,640
Speaker 2: don't sometimes you have to. Someone said, as a vet,

877
00:41:15,760 --> 00:41:18,440
Speaker 2: this is really sad. Perhaps she can tell her sister

878
00:41:18,520 --> 00:41:22,279
Speaker 2: in law about welfare vet clinics. Yeah, there's often one

879
00:41:22,480 --> 00:41:25,720
Speaker 2: if you google it. Next person said, you can't expect

880
00:41:25,760 --> 00:41:27,759
Speaker 2: people to have the same values and morals as you.

881
00:41:28,000 --> 00:41:30,800
Speaker 2: It's a really sad reality, but it is true. It

882
00:41:30,960 --> 00:41:32,120
Speaker 2: is true. But that doesn't mean you have to be

883
00:41:32,120 --> 00:41:33,279
Speaker 2: a bystander.

884
00:41:32,800 --> 00:41:33,439
Speaker 5: And let it happen.

885
00:41:33,640 --> 00:41:37,840
Speaker 2: Totally agreed. Another person said, in all capital letters, pets

886
00:41:38,000 --> 00:41:41,560
Speaker 2: are expensive. It's not just the upfronts and the food.

887
00:41:41,640 --> 00:41:44,920
Speaker 2: You need to build it into savings. It's true, absolutely

888
00:41:45,400 --> 00:41:48,200
Speaker 2: in a perfect world. Yes, The next person said, this

889
00:41:48,360 --> 00:41:51,760
Speaker 2: person is making lots of assumptions about someone else's financial position.

890
00:41:52,280 --> 00:41:55,600
Speaker 2: That's fair, That's what I was thinking a little bit.

891
00:41:55,680 --> 00:41:56,719
Speaker 5: But we don't know. We don't know.

892
00:41:57,120 --> 00:42:00,440
Speaker 2: Yeah, but I feel like, how do I say this

893
00:42:01,840 --> 00:42:04,960
Speaker 2: because our values and our morals are overlaid over the

894
00:42:05,040 --> 00:42:08,160
Speaker 2: top of this. Yeah, And I just assume that if

895
00:42:08,239 --> 00:42:12,439
Speaker 2: you saw a pet that was not well, you would

896
00:42:12,480 --> 00:42:14,840
Speaker 2: want to get it help. And I am trying to

897
00:42:15,080 --> 00:42:18,879
Speaker 2: justify why you might not do that. Beck, I feel

898
00:42:18,920 --> 00:42:22,160
Speaker 2: like money is a really good excuse in your head

899
00:42:22,200 --> 00:42:24,000
Speaker 2: to fall back on and go, well, it must be

900
00:42:24,120 --> 00:42:26,279
Speaker 2: the money. It's not because they don't care. But if

901
00:42:26,320 --> 00:42:30,319
Speaker 2: you really want to believe in altruism and you really

902
00:42:30,360 --> 00:42:33,640
Speaker 2: want to believe in the goodness of the human spirit,

903
00:42:33,760 --> 00:42:36,160
Speaker 2: and that they would care, Yeah, that's true, because I

904
00:42:36,200 --> 00:42:38,719
Speaker 2: would prefer to think that someone didn't have the money,

905
00:42:38,800 --> 00:42:41,759
Speaker 2: not that they didn't care about a pet's life. Does

906
00:42:41,800 --> 00:42:43,640
Speaker 2: that make sense. So I feel like money is a

907
00:42:43,719 --> 00:42:45,560
Speaker 2: perfect fallback to be like, do you know what, They

908
00:42:45,600 --> 00:42:47,360
Speaker 2: probably just don't have the money, and that's making the

909
00:42:47,440 --> 00:42:50,040
Speaker 2: most conversation really hard. And that makes the most sense

910
00:42:50,120 --> 00:42:54,280
Speaker 2: to me to justify this situation as being okay, because

911
00:42:54,320 --> 00:42:57,440
Speaker 2: the alternative is that she's maybe not a good person,

912
00:42:58,680 --> 00:43:01,399
Speaker 2: and I don't like that. No, the next person said,

913
00:43:01,440 --> 00:43:03,720
Speaker 2: I'm a vet nurse and some vets will actually report

914
00:43:03,760 --> 00:43:05,520
Speaker 2: you if you don't follow up. Oh, I kind of

915
00:43:05,600 --> 00:43:09,560
Speaker 2: love her, Okay, slaghay them a call to check you.

916
00:43:09,640 --> 00:43:11,680
Speaker 2: I would assure, yeah, I feel like you've miss your appointment.

917
00:43:11,719 --> 00:43:13,680
Speaker 5: But like if yeah, I mean, if you suspect abuse,

918
00:43:13,760 --> 00:43:15,239
Speaker 5: then that is probably their responsibility.

919
00:43:15,280 --> 00:43:17,640
Speaker 2: Absolutely, yeah, and that's probably a really great place to

920
00:43:17,719 --> 00:43:19,759
Speaker 2: leave at. My loves. We will see you bright and

921
00:43:19,800 --> 00:43:22,160
Speaker 2: early on Monday morning for a money darry. Until then,

922
00:43:22,640 --> 00:43:32,279
Speaker 2: have the best weekend, See soon. Hi. The advice shared

923
00:43:32,400 --> 00:43:34,680
Speaker 2: on She's on the Money is general in nature and

924
00:43:34,800 --> 00:43:38,440
Speaker 2: does not consider your individual circumstances. She's on the Money

925
00:43:38,560 --> 00:43:42,120
Speaker 2: exists purely for educational purposes and should not be relied

926
00:43:42,160 --> 00:43:45,239
Speaker 2: upon to make an investment or financial decision. If you

927
00:43:45,400 --> 00:43:48,000
Speaker 2: do choose to buy a financial product, read the PDS,

928
00:43:48,200 --> 00:43:52,120
Speaker 2: TMD and obtain appropriate financial advice tailored towards your needs.

929
00:43:52,560 --> 00:43:56,440
Speaker 2: Victoria Divine and She's on the Money are authorized representatives

930
00:43:56,560 --> 00:44:00,640
Speaker 2: of money sheirper Pty Ltd ABN three two one six

931
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Speaker 2: L four five one two eight nine