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

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

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Speaker 1: kaka ya ya binahwaka nian our gay In Mbini, yakarum

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Speaker 1: jar doumayamiga umaga ihowaka nile, Waman damon Immalan, wummabang gadabomba

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Speaker 1: In and naw in waka ghana on yakarrum jar Watanadana. 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 Abiginal 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.

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

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Speaker 3: that lets you be pervy about other people's money stories

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Speaker 3: for educational purposes, of course, back to another one of

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Speaker 3: our money diaries, brought to you by our friends at Skywell,

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Speaker 3: where we get to talk with one of our incredible

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Speaker 3: She's on the Money community members all about their journey.

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Speaker 3: Let's jump straight into it, because this week I got

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Speaker 3: a message and it sounded exactly like this, dear, she's

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Speaker 3: on the money. I've always been a finance girl. I

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Speaker 3: was working in local government, studying finance on the side,

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Speaker 3: investing and saving for my house deposit. Then I got

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Speaker 3: diagnosed with Hodgkin's lymphoma exactly one year after I set

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Speaker 3: up my personal insurances. I'm nineteen days away from my

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Speaker 3: last chemo. Now the cover I had in placement, I

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Speaker 3: didn't have to panic about work or bills while going

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Speaker 3: through treatment, and that's changed the way I see everything.

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Speaker 3: I'm finishing chemo with a very different definition of what's

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Speaker 3: important in life. Money Diarist. We were talking before and

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Speaker 3: I said, hey, how are you? And you were like

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Speaker 3: good considering, and I was like, that's a terrible question

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Speaker 3: for me to ask, So I asked, how was your day?

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Speaker 2: Let's do that. Welcome to the show.

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Speaker 3: How's your day been thus far, so far, so good.

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Speaker 3: Now I'm really excited to have you on the show.

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Speaker 3: I feel like this is such an interesting and good

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Speaker 3: story to be sharing. Let's dive straight into the questions, though,

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Speaker 3: because I don't want to miss a beat. And then

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Speaker 3: I'm going to ask you a bit more about what's

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Speaker 3: going on. You've always been a finance gurly, so what

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Speaker 3: grade would you give your money habits from A through

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Speaker 3: to F I.

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Speaker 2: Think, considering I've always been a finance gurllye, a.

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Speaker 4: Solid bee because I'm like, for sure with my knowledge,

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Speaker 4: I could be doing better.

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Speaker 2: Whoops.

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Speaker 3: But also let's give ourselves a little bit of leniency.

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Speaker 3: Let's talk a little bit more about your situation and

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Speaker 3: your money story. Let's go back a couple of years.

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Speaker 3: What's been going on. You were saving for your first home,

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Speaker 3: you were studying finance, you were working in government, and

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Speaker 3: then you got diagnosed with Hodgkin's lymphoma.

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Speaker 2: How has that been?

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Speaker 3: What does that look like? Talk us through what you're

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Speaker 3: comfortable sharing.

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Speaker 4: After most of last year being scans and tests, send

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Speaker 4: scans and tests, I didn't get diagnosed until September. Wow, Des,

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Speaker 4: I'm an anxious girly through and through. If there's something

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Speaker 4: to worry about, I'll worry about it. But for most

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Speaker 4: of that year I was I'm not sick, nothing's wrong.

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Speaker 4: I'm getting these tests and scans, but nothing's wrong. So

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Speaker 4: it did quite blindside me, like to have cancer, and

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Speaker 4: they also found out it was stage four and basically

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Speaker 4: said the day they said it, like, you have stage

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Speaker 4: four Hodgkins lymphoma exactly one week later starting chemo. So

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Speaker 4: I had a week to entirely pretend my life to

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Speaker 4: tell work. I couldn't come back to pause, study, to

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Speaker 4: do everything. So it was very crazy.

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Speaker 3: And I feel like that's the admin side of it

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Speaker 3: that nobody sees, right, Like we hear all of the stories,

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Speaker 3: like maybe not all of the stories, but we hear

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Speaker 3: stories like I was diagnosed with Hodgkins lymphomer and this

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Speaker 3: is what my medical journey looked like. But in the background,

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Speaker 3: you have a whole entire life that needs to come

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Speaker 3: to a grinding halt. What was that like, trying to

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Speaker 3: clean your life up or get stuff together within a

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Speaker 3: week so you could start chemo, which you knew was

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Speaker 3: going to knock you off your thocks.

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Speaker 4: Yeah, it was exhausting, and yeah, definitely the life admin

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Speaker 4: was like the one that was like, I didn't expect

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Speaker 4: that at all, and the one that's like, I shouldn't

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Speaker 4: have to deal with this as well, Like you kind

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Speaker 4: of you prepare yourself for the medical stuff, but the

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Speaker 4: admin You're like, why am I doing this?

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Speaker 2: But yeah, it was hard, Like I you know, you

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Speaker 2: have to tell people. You have to tell your friends,

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Speaker 2: and you have to tell your family, and you have

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Speaker 2: to tell work.

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Speaker 4: And there was such a short amount of time to

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Speaker 4: tell so many people, so very very emotionally exhausting.

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Speaker 3: Yeah, and like you don't deserve that at that moment.

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Speaker 3: That is the worst possible moment to dump more stuff

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Speaker 3: on you. No, definitely, So you said, Oh, I'd been

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Speaker 3: getting tests and scans and tests and scans for like

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Speaker 3: a whole year, and I didn't think I was sick.

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Speaker 3: What meant that you were getting tests and scans? Like,

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Speaker 3: how did we identify that there might have been something

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Speaker 3: not quite right?

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Speaker 4: So I think it was maybe like late fab early March,

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Speaker 4: I got INFLUENCEE and that did knock me down. I

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Speaker 4: was so tired, and after that I was tired for

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Speaker 4: a while, but I was also working full time studying

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Speaker 4: part time, and I was like, I can kind of

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Speaker 4: expect that I'm tired, Like that makes sense. I was thinking, also,

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Speaker 4: maybe maybe there's something not quite right, but like maybe

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Speaker 4: I don't know, I'm law on iron or something, and

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Speaker 4: then a few weeks after the flu, I found a

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Speaker 4: lump in my armpit and started out reasonably small, and

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Speaker 4: my doctors were considering it was following the flu, like

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Speaker 4: it's probably inflammation, like in the lymphatic system, and.

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Speaker 2: It will die down. I would believe that, yeah, So

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Speaker 2: they started with just like ultrasounds of like yeah, and

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Speaker 2: the ultrasound text came back with like, yeah, it looks

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Speaker 2: like inflammation. Let's, you know, wait four weeks and see

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Speaker 2: if it goes down. And then each time it was like, oh,

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Speaker 2: it's actually got it a bit bigger. But it got

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Speaker 2: a bit bigger.

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Speaker 4: And then they were like, oh, but you just got

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Speaker 4: the flu shot, so maybe the flu shot made it

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Speaker 4: get bigger again.

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Speaker 2: So then eventually they did a biopsy and then the biopsy.

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Speaker 4: Came back with like not quite any results, so that

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Speaker 4: I had to get a cent off for further testing.

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Speaker 4: And then I got actually before they even were sure

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Speaker 4: of anything, I got referred to a cancer specialist, a hematologist,

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Speaker 4: and she was even looking at the reals like this

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Speaker 4: doesn't confirm anything. We're not sure of anything, but we're

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Speaker 4: going to send you for a buther tests and act

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Speaker 4: as if you had something just in case. So they

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Speaker 4: sent me for pet scans and they did their own

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Speaker 4: biopsies and then yeah, finally got some results. Wow, I

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Speaker 4: feel like that is just so frustrating hearing that.

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Speaker 3: You're like, well, you know, in fed March, i had

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Speaker 3: influenza A and that kind of just acted like a

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Speaker 3: shield for me getting a diagnosis by September. Yeah, Like

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Speaker 3: that's a long period of time, especially given it's relatively progressed,

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Speaker 3: like your stage four. Yeah, what's the prognosis on that

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Speaker 3: you finished chemo in nineteen days as of writing this letter.

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Speaker 3: When is the actual date?

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Speaker 2: Thirty eighth the March.

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Speaker 3: That is so exciting and what will that mean after

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Speaker 3: So it'll.

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Speaker 4: Definitely just be waiting for a little while and thenn

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Speaker 4: doing more tests and hopefully they're all clear. Dignosis is

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Speaker 4: very good, Like lymphoma is a very curable condition, even

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Speaker 4: at stage four, and thankfully, despite the fact that it

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Speaker 4: did take so long to check it, apparently it was

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Speaker 4: caught pretty early, Like oh good, I guess you know,

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Speaker 4: people cannot notice a lump for a long time, or

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Speaker 4: like maybe it doesn't have physical symptom at first, so

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Speaker 4: they do think it was caught quite quick. And my

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Speaker 4: mid chemo scan was all clear.

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Speaker 2: Oh I'm glad. We're all very optimistic. I love that.

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Speaker 3: And you look quite young. Can I ask how old

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Speaker 3: you are? Because I didn't get that information before.

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Speaker 2: I'm twenty eight. She's just a baby.

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Speaker 3: I feel like that's so rude, but also sorry. One

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Speaker 3: of the reasons I was like this is going to

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Speaker 3: be a fantastic money diary is one you are so positive,

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Speaker 3: like you're kind of like smiling, going, oh, yeah, we

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Speaker 3: did this, and oh it was the flu vaccination. I'm like,

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Speaker 3: that's not funny, babe, Like that's very serious.

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Speaker 4: I don't know.

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Speaker 3: I like, do it for the plot, cancer, do it

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Speaker 3: for the plots? She says, just rolling with. But you

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Speaker 3: also had all your insurances set up. And I do

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Speaker 3: not know many twenty eight year olds who have actually

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Speaker 3: got this stuff together because we just I don't know,

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Speaker 3: you're on to thirty. We don't take life that seriously,

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Speaker 3: like it's never going to happen to me. All of

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Speaker 3: us say that, right, Yeah, how did you know to

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Speaker 3: get that set up? Why did you get that set up?

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Speaker 4: Well?

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Speaker 2: I actually have to thank you. It was Are you serious? Definitely?

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Speaker 2: She's on the money.

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Speaker 4: Episode and you guys had sky Wealth on and they

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Speaker 4: were talking about you were talking about your favorite personal

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Speaker 4: insurances and also sharing stories of people who had used them.

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Speaker 4: But yeah, also definitely despite that, I was like, I

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Speaker 4: went through the process of sky Wealth, and even when

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Speaker 4: they gave me like the recommendations, I was like, do

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Speaker 4: I really want to do this?

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Speaker 2: I could take money for ottest things, right.

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Speaker 3: You second guess it because it's not cheap, Like, don't

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Speaker 3: get me wrong. Income protection is not like four dollars,

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Speaker 3: like it's a couple of thousand dollars a year in

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Speaker 3: most cases, Like it's not something that you just go whatever,

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Speaker 3: like you actually have.

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Speaker 2: To consider it, Yeah, for sure.

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Speaker 4: And I wasn't like prepared for how much like I

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Speaker 4: was going to be quoted, And when I did, I

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Speaker 4: was like, WHOA, Okay, do I want to do this?

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Speaker 2: Yeah?

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Speaker 4: And I definitely spent a long time like deliberating and

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Speaker 4: almost didn't go through with it.

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Speaker 2: So I'm like crazy proud.

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Speaker 4: Of myself that I got it, because my life could

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Speaker 4: be very different right now if I didn't have that

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Speaker 4: critical illness.

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Speaker 3: Yeah, that's crazy. So tell me you got your critical

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Speaker 3: illness set up, you got income protection set up?

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Speaker 2: What did that look like?

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Speaker 3: So you know, you had to do all of the

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Speaker 3: crazy administration, you know, telling people that you had cancer,

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Speaker 3: telling your work that you couldn't come back to work.

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Speaker 2: What was it like?

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Speaker 3: Did you pick up the phone and go, hey, phil

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Speaker 3: bin diagnosed and he gave you six million things to

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Speaker 3: fill out? Like what's the process when you actually had

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Speaker 3: to claim and go through that? Because like, don't get

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Speaker 3: me wrong, I know there's not heaps and heaps of paperwork,

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Speaker 3: but there's also a process and there's also a period

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Speaker 3: of time where you can't have it until you can claim.

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Speaker 2: Yeah.

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Speaker 4: So I basically pretty quick after my diagnosis, I shot

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Speaker 4: an email to the person who set me all up

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Speaker 4: and walked me through it originally, and I said, hey,

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Speaker 4: just hypothetic if I have.

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Speaker 2: The kissed, what am I eligible for? And what does

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Speaker 2: that look like?

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Speaker 4: And she immediately called me back and said, yes, one

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Speaker 4: hundred percent. You have trauma protection. That's going to be

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Speaker 4: your big one and you can like just let the

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Speaker 4: claims team know and they'll walk you through it. And

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Speaker 4: she said, and then you also do have income protection

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Speaker 4: within your superannuation. So I had a chat with the

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Speaker 4: claims team and we decided because I was overwhelmed that

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Speaker 4: we'd prioritize the critical illness because that was less paperwork drama,

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Speaker 4: and it was you know, a lump sum that didn't

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Speaker 4: have a waiting period.

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Speaker 2: It just required a diagnosis.

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Speaker 4: Right, yeah, So yeah, it was pretty simple, like I

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Speaker 4: told them, and they said, you know, we just need

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Speaker 4: something like this from the doctor.

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Speaker 2: There was like one form for me to fill out

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Speaker 2: and then they basically did everything and there was.

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Speaker 4: Just updates every now and then going like hey it's

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Speaker 4: moved to this stage or hey it's done this, and

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Speaker 4: then I think it was a text message going it's

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Speaker 4: been accepted and you'll get it, and I didn't even

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Speaker 4: know how much, and then it.

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Speaker 3: Just hit my picture amazing. And what we're talking about

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Speaker 3: here is critical illness, which is trauma insurance, which, as

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Speaker 3: you said before, very succinctly, all you need is a diagnosis.

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Speaker 3: You don't need to go through like a three month

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Speaker 3: weight period. You're not talking to them about whether you

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Speaker 3: have like a sixty ninety or one twenty weight period, like,

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Speaker 3: none of that. It's just if you get diagnosed with something,

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Speaker 3: they have like usually a tiered system where you know

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Speaker 3: if it's really serious like stage four lymphoma. You're going

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Speaker 3: to get a bigger lump sum payout than like a

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Speaker 3: stage one melanoma.

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Speaker 2: So talk to me.

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Speaker 3: What level of cover did you you have and what

256
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Speaker 3: type of payment got put in your bank account?

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Speaker 4: So it had up two one hundred and twenty four

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Speaker 4: thousand dollars and one hundred and twenty four thousand dollars

259
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Speaker 4: was paid out, so I got the full amount.

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Speaker 3: Great, and now let's talk through what that actually means,

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Speaker 3: because that's fantastic. Got paid to have cancer. That's pretty terrible.

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Speaker 3: I'd probably pay one hundred and twenty four thousand dollars

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Speaker 3: to not go through that, So I think that's actually

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Speaker 3: a terrible deal. But the entire purpose of trauma cover

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Speaker 3: is to make sure that you have cash available so

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Speaker 3: that you're not financially stressed, so you don't have to

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Speaker 3: you know, sell the family home or like downsize or

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Speaker 3: move back in with your parents or do any of

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Speaker 3: the things that you don't want to do during that period.

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Speaker 3: What have we been spending that money on in the

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Speaker 3: last few months?

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Speaker 2: So actually nothing yet?

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Speaker 3: Okay, iconic, So you did just get paid, So.

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Speaker 4: Yeah, like definitely I would one hundred percent pay that

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Speaker 4: money back to not go through this life experience.

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Speaker 2: But yeah, now we're here. Now that we're here, we're

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Speaker 2: going to make the most of it.

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Speaker 4: So yeah, no, I got it, and i'd I mean

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Speaker 4: unfortunately because I'm using it all up on cancer. But

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Speaker 4: i had a lot of leaves saved, so I've still

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Speaker 4: even though I haven't really worked at all, I've been

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Speaker 4: getting my annually sick leave, everything paid out at half paid,

283
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Speaker 4: so I've basically.

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Speaker 2: Still been getting a paycheck this whole time.

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Speaker 4: It's just ended like this last fortnight, I've run out officially,

286
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Speaker 4: but that was enough to cover basically all the bills

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Speaker 4: because also most of my bills decreased because I'm not

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Speaker 4: going anywhere. I'm not doing anything. I'm very immune compromise,

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Speaker 4: so my social life is zilk cha at home. People

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Speaker 4: can visit and watch a movie with me. So I'm saving,

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Speaker 4: like I wouldn't be spending as much money as if

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Speaker 4: I was out living my life and doing things.

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Speaker 2: And you know, I guess beauty of being in Australia, like.

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Speaker 4: Most the healthcare is fully covered, not so much the

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Speaker 4: scans and tests pre diagnosis, but post diagnosis. Everything's been

296
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Speaker 4: covered so really, all I've had to pay for is

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Speaker 4: the odd prescription or parking at the hospital.

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Speaker 3: So so far, it's just sitting there waiting to do

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Speaker 3: something after this. That makes me so happy that it's

300
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Speaker 3: just sitting there. Like, Don't get me wrong, I'd also

301
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Speaker 3: be so happy for you if it had like taken

302
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Speaker 3: the financial stress off significantly to not pay you know,

303
00:14:09,520 --> 00:14:12,479
Speaker 3: rent or bills or whatever it is, because not everybody

304
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Speaker 3: has enough leave saved to be able to, you know,

305
00:14:15,200 --> 00:14:18,000
Speaker 3: take a significant chunk out of work. What did your

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Speaker 3: income protection look like? So was that something that you

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Speaker 3: applied for later when you were less overwhelmed.

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Speaker 4: Yeap, So we applied for that in January and so

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Speaker 4: far because that's through my super and was not set

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Speaker 4: up through Sky. I originally started the process by like

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Speaker 4: reaching out to Sufa trying to get the forms from them,

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Speaker 4: which was a long process of back and forth always

313
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Speaker 4: finally got all that. I had to send a bunch

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Speaker 4: of forms off to everyone, you know, employer hematologists again,

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Speaker 4: so it took a while, but I sent them all

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Speaker 4: off beginning of JAM and so far have no response.

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Speaker 4: I'm for following up, but thankfully Sky has also sent us.

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Speaker 4: I was going to say, sent things through so they.

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Speaker 2: Can do all the follow up now and they've taken

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Speaker 2: off my head. Oh good.

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Speaker 4: So I'm really hoping that we can get that sort

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Speaker 4: of by the time I've finished chemo, because I'm imagining like, also,

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Speaker 4: I'm good right now and I haven't needed the critical

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Speaker 4: illness for expenses, but now I've run out of leave

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Speaker 4: and I don't think I would be able.

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Speaker 2: To return to full time work immediately after, so in

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Speaker 2: come protection would be really good for that, like transition.

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Speaker 3: Yeah, And I was going to ask, what's the plan

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Speaker 3: because like, you don't just I was going to say,

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Speaker 3: I'm really lucky to have had experience working with people

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Speaker 3: in your situations. That's not lucky, Like I feel like

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Speaker 3: I'm grateful for the experience because like I've learned so much.

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Speaker 3: But what happens post cancer is often more important financially

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00:15:41,280 --> 00:15:44,200
Speaker 3: than what's happening during it, because during it, you've got

335
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Speaker 3: and like I don't know your personal situation, but during it,

336
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Speaker 3: most people's expenses drop because you can't leave the house

337
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Speaker 3: and you're just going back and forth. Like we bitch

338
00:15:51,760 --> 00:15:54,120
Speaker 3: a lot about hospital parking fees and why are you

339
00:15:54,200 --> 00:15:57,200
Speaker 3: putting fines on cars of people who are getting chemo rude,

340
00:15:57,200 --> 00:15:59,320
Speaker 3: you should get a sticker to be like you can't

341
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Speaker 3: get me, Like I'm actually out of this game at

342
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Speaker 3: this point, Like that's not okay. But I think the

343
00:16:05,400 --> 00:16:08,240
Speaker 3: most important thing is, like what's the plan after, because

344
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Speaker 3: as you said before, you're significantly immunocompromised. Going back into

345
00:16:12,600 --> 00:16:15,040
Speaker 3: a full time work environment is not a good idea.

346
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Speaker 3: You are going to be exhausted. You're not just immunocompromised.

347
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Speaker 3: Your entire body is compromised and has been knocked for

348
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Speaker 3: six so forty.

349
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Speaker 2: Hour work weeks.

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Speaker 3: I'm assuming I'm not an option yet. So have you

351
00:16:27,240 --> 00:16:29,560
Speaker 3: been talking about to go back to work plan or

352
00:16:29,680 --> 00:16:30,840
Speaker 3: like thinking about it?

353
00:16:30,880 --> 00:16:33,280
Speaker 2: What does that look like? So, yeah, I've definitely been

354
00:16:33,400 --> 00:16:34,240
Speaker 2: thinking about it.

355
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Speaker 4: I will have to have the conversation with work sometime soon,

356
00:16:38,400 --> 00:16:42,720
Speaker 4: but they have been, thankfully local government very understanding. But yeah,

357
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Speaker 4: I'm definitely like I obviously priorities changed, like I do

358
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Speaker 4: not want to put myself under under stress as well,

359
00:16:49,640 --> 00:16:52,240
Speaker 4: Like I want to take the time and get my

360
00:16:52,360 --> 00:16:56,720
Speaker 4: health back as much as possible, and yeah, immuno compromised

361
00:16:56,760 --> 00:16:59,640
Speaker 4: for sure, but like I've also ended up with like

362
00:16:59,640 --> 00:17:02,280
Speaker 4: a really high heart rate, and I ended up with

363
00:17:02,400 --> 00:17:06,680
Speaker 4: like a lung infection and like lost all my muscle mass.

364
00:17:06,880 --> 00:17:10,240
Speaker 4: So like even like leaving the house for like a

365
00:17:10,440 --> 00:17:13,680
Speaker 4: five minute errand takes like all my energy. So it's

366
00:17:13,760 --> 00:17:16,840
Speaker 4: like I want to in a very healthy and slow way,

367
00:17:17,119 --> 00:17:21,120
Speaker 4: like increase things over time. Like it'll be really good

368
00:17:21,160 --> 00:17:23,080
Speaker 4: to have the money there as well to see things

369
00:17:23,240 --> 00:17:26,920
Speaker 4: like maybe a physio because like I'm going from not

370
00:17:27,040 --> 00:17:30,680
Speaker 4: doing anything physically for six months to wanting to move

371
00:17:30,760 --> 00:17:32,800
Speaker 4: my body again, So to do that in a way

372
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Speaker 4: that's not going to do injuries or.

373
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Speaker 2: Any unduced stress or anything.

374
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Speaker 3: I feel like you sound really balanced about this. Like

375
00:17:41,320 --> 00:17:43,840
Speaker 3: a lot of the communication that I'm having at the

376
00:17:43,880 --> 00:17:46,320
Speaker 3: moment with you is just like you're very positive, which

377
00:17:46,359 --> 00:17:48,800
Speaker 3: I'm adoring, but also you're like, I don't want to

378
00:17:48,840 --> 00:17:50,520
Speaker 3: put that pressure on my body. I don't want to

379
00:17:50,600 --> 00:17:53,000
Speaker 3: do this that I'm not used to hearing that I'm

380
00:17:53,080 --> 00:17:54,560
Speaker 3: used to hearing people grow. I just want to get

381
00:17:54,600 --> 00:17:55,960
Speaker 3: back into it. I just want to be back where

382
00:17:56,000 --> 00:17:58,960
Speaker 3: I was, like without identifying that that's going to be

383
00:17:59,040 --> 00:18:02,679
Speaker 3: a journey. So why is that your mindset? Like how

384
00:18:02,760 --> 00:18:05,159
Speaker 3: are you in this position? Because it's a fantastic position

385
00:18:05,320 --> 00:18:05,680
Speaker 3: to be in.

386
00:18:05,920 --> 00:18:08,119
Speaker 4: I think maybe because of the last year, Like I

387
00:18:08,280 --> 00:18:10,879
Speaker 4: definitely have been the person who would be like, let

388
00:18:10,960 --> 00:18:12,480
Speaker 4: me get back to work, let me do it on

389
00:18:12,600 --> 00:18:15,040
Speaker 4: cold Yeah. I think because I did not know I

390
00:18:15,200 --> 00:18:18,119
Speaker 4: was sick for most of last year. And I looked

391
00:18:18,200 --> 00:18:20,640
Speaker 4: back on last year and I was like, all the time,

392
00:18:20,760 --> 00:18:23,520
Speaker 4: I was so tired, and I just put it down

393
00:18:23,560 --> 00:18:25,960
Speaker 4: to I'm working a lot, I'm studying a lot, Like

394
00:18:26,400 --> 00:18:27,439
Speaker 4: I'm just exhausted.

395
00:18:27,960 --> 00:18:29,000
Speaker 2: But I look back at it and.

396
00:18:29,040 --> 00:18:31,760
Speaker 4: I'm like, I was like having naps in the car

397
00:18:31,920 --> 00:18:36,960
Speaker 4: sometimes during lunch and like going home and like immediately

398
00:18:37,000 --> 00:18:40,760
Speaker 4: after work having a nap. And I also did a

399
00:18:40,960 --> 00:18:43,240
Speaker 4: bank auder of almost spending last year and spent like

400
00:18:43,880 --> 00:18:46,280
Speaker 4: I think, on average, like one hundred and fifty dollars

401
00:18:46,320 --> 00:18:48,760
Speaker 4: a week on eating out because I was just too

402
00:18:48,840 --> 00:18:52,080
Speaker 4: tired to cook and was, you know, buying breakfast on

403
00:18:52,119 --> 00:18:54,359
Speaker 4: the way into work and buying dinner on the way home.

404
00:18:54,760 --> 00:18:58,680
Speaker 4: And I was like, I can't believe that I didn't

405
00:18:58,800 --> 00:19:01,639
Speaker 4: know I had cancer, Like you know, like I just

406
00:19:01,920 --> 00:19:05,760
Speaker 4: was like convinced I was overdoing it, and I, despite that,

407
00:19:05,920 --> 00:19:08,399
Speaker 4: didn't take it easy or didn't do anything to change that.

408
00:19:08,680 --> 00:19:10,240
Speaker 2: So I think that really shifted going.

409
00:19:10,920 --> 00:19:13,480
Speaker 4: You spent like a whole year thinking you were really

410
00:19:13,560 --> 00:19:16,840
Speaker 4: tired and exhausted and overdoing it, you didn't do anything

411
00:19:16,880 --> 00:19:20,200
Speaker 4: to change that, and turns out you had cancer. Yeah,

412
00:19:20,359 --> 00:19:22,920
Speaker 4: So I think it's kind of just been a little

413
00:19:22,920 --> 00:19:27,639
Speaker 4: bit of an awakening experience of like, Okay, maybe we

414
00:19:27,800 --> 00:19:30,199
Speaker 4: have to be a bit more careful and put our

415
00:19:30,280 --> 00:19:31,960
Speaker 4: health first a bit more in the future.

416
00:19:32,160 --> 00:19:35,240
Speaker 3: I mean, it's a very dramatic way to have that reminder. Yeah,

417
00:19:35,320 --> 00:19:39,000
Speaker 3: definitely very dramatic. But I like that you're prioritizing it now.

418
00:19:39,840 --> 00:19:41,359
Speaker 3: I want to know because I want to ask you

419
00:19:41,400 --> 00:19:43,359
Speaker 3: a little bit more about their goals in the future.

420
00:19:43,440 --> 00:19:44,960
Speaker 3: But I want to know now, what do you do

421
00:19:45,160 --> 00:19:46,840
Speaker 3: for work and how much money do you earn?

422
00:19:47,040 --> 00:19:50,440
Speaker 4: So I'm a finance officer for local government and at

423
00:19:50,480 --> 00:19:54,600
Speaker 4: the moment I earn about eighty nine five hundred pretax

424
00:19:55,440 --> 00:19:57,840
Speaker 4: and I actually do a pay increase to ninety six

425
00:19:57,920 --> 00:19:58,600
Speaker 4: thousand in July.

426
00:19:59,080 --> 00:20:01,320
Speaker 3: Oh yes, please, and we will be there to take that.

427
00:20:01,520 --> 00:20:01,879
Speaker 2: Thank you.

428
00:20:02,200 --> 00:20:05,000
Speaker 3: We've got a few months, We've got a few months

429
00:20:05,040 --> 00:20:07,920
Speaker 3: to get back on track. So talk to me about

430
00:20:07,960 --> 00:20:10,399
Speaker 3: you took your sick leave and your annual eve and

431
00:20:10,440 --> 00:20:12,200
Speaker 3: all the leave that you had banked up at half

432
00:20:12,320 --> 00:20:14,840
Speaker 3: pay and it's just about to run out.

433
00:20:15,720 --> 00:20:16,920
Speaker 2: Was that enough?

434
00:20:17,200 --> 00:20:19,399
Speaker 3: Like, do you feel like you were completely sufficient? You

435
00:20:19,400 --> 00:20:21,400
Speaker 3: didn't feel like you were missing out on anything during

436
00:20:21,440 --> 00:20:22,280
Speaker 3: that period of time.

437
00:20:22,440 --> 00:20:24,600
Speaker 4: No, that was that was definitely enough. I think I

438
00:20:24,720 --> 00:20:27,199
Speaker 4: was still putting it back into savings a little bit

439
00:20:27,240 --> 00:20:30,560
Speaker 4: as well, but yeah, that's I was like able to

440
00:20:30,640 --> 00:20:32,920
Speaker 4: kind of let everything just go into an account and

441
00:20:32,960 --> 00:20:35,919
Speaker 4: everything go out without having to check my bank basically

442
00:20:35,960 --> 00:20:38,240
Speaker 4: the whole time, which was nice, Like I wasn't having

443
00:20:38,320 --> 00:20:39,879
Speaker 4: to worry about the bills or anything.

444
00:20:39,960 --> 00:20:42,159
Speaker 3: All the money was cut totally. Now, talk to me

445
00:20:42,320 --> 00:20:45,600
Speaker 3: about big money goals because I feel, like you said before,

446
00:20:45,680 --> 00:20:48,200
Speaker 3: you know, my view on life has changed, and you wrote,

447
00:20:48,440 --> 00:20:51,359
Speaker 3: I am finishing chemo with a very different definition of

448
00:20:51,440 --> 00:20:53,600
Speaker 3: what's important in life, and I feel like that's going

449
00:20:53,680 --> 00:20:56,399
Speaker 3: to change everything. So what are your big goals? What

450
00:20:56,520 --> 00:20:57,760
Speaker 3: are you working towards.

451
00:20:58,000 --> 00:21:00,800
Speaker 4: I'm definitely still considering a home too posit, but I

452
00:21:00,960 --> 00:21:03,240
Speaker 4: think that in my mind has been pushed off a

453
00:21:03,280 --> 00:21:06,680
Speaker 4: few years because I know again, like that's a major

454
00:21:06,800 --> 00:21:09,560
Speaker 4: life change and decision that can put a lot of

455
00:21:09,920 --> 00:21:12,480
Speaker 4: stress on someone and I would want to be back

456
00:21:12,640 --> 00:21:16,359
Speaker 4: into full time work before doing anything like that, So

457
00:21:17,280 --> 00:21:19,439
Speaker 4: I think like that will definitely be something that's happening

458
00:21:19,440 --> 00:21:22,760
Speaker 4: in the background and saving for that. Aside from that,

459
00:21:23,200 --> 00:21:28,600
Speaker 4: I think it's just probably like reprioritizing the budget and

460
00:21:29,720 --> 00:21:34,359
Speaker 4: having more allocated to health things and more allocated to

461
00:21:34,440 --> 00:21:36,840
Speaker 4: like life experiences. I think like the way I want

462
00:21:36,880 --> 00:21:39,400
Speaker 4: to spend my money has shifted to like experiencing life

463
00:21:39,440 --> 00:21:40,600
Speaker 4: a bit more and.

464
00:21:40,760 --> 00:21:44,440
Speaker 2: Maybe less on like materialistic to sis or things like

465
00:21:44,560 --> 00:21:45,080
Speaker 2: that as well.

466
00:21:45,280 --> 00:21:47,960
Speaker 3: No, totally, totally. All right, let's go to a really

467
00:21:48,040 --> 00:21:50,520
Speaker 3: quick break because I have so many questions and we'll

468
00:21:50,520 --> 00:21:56,520
Speaker 3: get to them in a hot minute. All right, money, dirist,

469
00:21:56,640 --> 00:21:59,440
Speaker 3: we are back, and I'm just so excited that your

470
00:21:59,520 --> 00:22:02,440
Speaker 3: last came treatment is coming up and all scans and

471
00:22:02,480 --> 00:22:05,400
Speaker 3: stuff have been looking really positive thus far. But I'm

472
00:22:05,480 --> 00:22:09,639
Speaker 3: also just so happy to hear that you had income

473
00:22:09,720 --> 00:22:12,440
Speaker 3: protection and that you had trauma insurance and that those

474
00:22:12,520 --> 00:22:14,680
Speaker 3: things were set up. How do you think you would

475
00:22:14,720 --> 00:22:17,480
Speaker 3: have felt if that wasn't a thing. So, if you'd

476
00:22:17,520 --> 00:22:20,440
Speaker 3: gotten diagnosed and there was no insurances, like nothing in

477
00:22:20,560 --> 00:22:23,520
Speaker 3: super what would have that journey looked like for you.

478
00:22:23,840 --> 00:22:25,760
Speaker 5: I was actually thinking about that the other day, and

479
00:22:26,160 --> 00:22:29,520
Speaker 5: I know, obviously I would feel a lot more pressure

480
00:22:30,040 --> 00:22:32,960
Speaker 5: to have worked alongside Chemo or to get back to

481
00:22:33,080 --> 00:22:34,119
Speaker 5: work a lot quicker.

482
00:22:34,520 --> 00:22:37,159
Speaker 4: And I think even knowing I have the insurance, before

483
00:22:37,200 --> 00:22:39,240
Speaker 4: I had confirmed that it was going to be paid out,

484
00:22:39,560 --> 00:22:41,960
Speaker 4: I was starting to feel that pressure already of just

485
00:22:42,080 --> 00:22:44,360
Speaker 4: like the what if, Like I don't know how long

486
00:22:44,440 --> 00:22:46,600
Speaker 4: I'm going to be sick for. Should I be working

487
00:22:46,680 --> 00:22:50,920
Speaker 4: when I feel good just in case. So one definitely

488
00:22:51,000 --> 00:22:53,920
Speaker 4: took the mental load off, definitely took any pressure of

489
00:22:54,240 --> 00:22:56,439
Speaker 4: having to work off. But I think the other thing

490
00:22:56,600 --> 00:23:00,159
Speaker 4: is I was really happy with the fact that, like

491
00:23:00,200 --> 00:23:04,040
Speaker 4: I had a full emergency savings, I had some investments.

492
00:23:04,720 --> 00:23:07,200
Speaker 4: I was really happy with the way my money was going,

493
00:23:07,480 --> 00:23:10,000
Speaker 4: and like the home deposits I were saving, And so

494
00:23:10,080 --> 00:23:13,320
Speaker 4: I think without this I would have had to probably

495
00:23:13,520 --> 00:23:16,040
Speaker 4: use those, I would have had to use the emergency savings.

496
00:23:16,400 --> 00:23:19,440
Speaker 4: Probably eventually that would have run out and I would

497
00:23:19,520 --> 00:23:22,200
Speaker 4: have to def into the home deposit savings or something.

498
00:23:22,560 --> 00:23:24,879
Speaker 4: So I think I'm mostly positive about the experience, but

499
00:23:25,440 --> 00:23:28,240
Speaker 4: cancer has taken a lot of experiences from me and

500
00:23:28,600 --> 00:23:31,760
Speaker 4: a lot of time away from me, and I think

501
00:23:32,160 --> 00:23:35,520
Speaker 4: it means that it didn't take away my financial progress

502
00:23:35,720 --> 00:23:38,800
Speaker 4: and my financial goals, like it hasn't put me back.

503
00:23:39,040 --> 00:23:41,600
Speaker 4: In fact, it's probably moved me forward, because yes, I've

504
00:23:41,640 --> 00:23:42,640
Speaker 4: been paid.

505
00:23:42,400 --> 00:23:42,960
Speaker 2: To have guests.

506
00:23:43,119 --> 00:23:45,240
Speaker 3: I mean, that's probably a morbid way of putting it,

507
00:23:45,480 --> 00:23:49,119
Speaker 3: And maybe people who aren't in the finance space and

508
00:23:49,320 --> 00:23:51,520
Speaker 3: have had the experiences I have had might be really

509
00:23:51,640 --> 00:23:54,400
Speaker 3: jarred with me saying that and being like, what the hell, Victoria,

510
00:23:54,520 --> 00:23:57,399
Speaker 3: that's so insensitive. I'm telling you right now, I have

511
00:23:57,560 --> 00:24:00,240
Speaker 3: never met one person going through this who isn't like, yeah,

512
00:24:00,240 --> 00:24:00,879
Speaker 3: that's a bonus.

513
00:24:01,280 --> 00:24:02,840
Speaker 2: Yeah, Like, it is what it is.

514
00:24:03,280 --> 00:24:05,200
Speaker 3: Sometimes you've just got to call a pig a pig,

515
00:24:05,440 --> 00:24:07,080
Speaker 3: Like you've just got to be like, that's if it

516
00:24:07,160 --> 00:24:09,280
Speaker 3: walks like a duck and a quacks like a duck,

517
00:24:09,480 --> 00:24:11,520
Speaker 3: but you know what it is, it's a duck.

518
00:24:11,880 --> 00:24:12,080
Speaker 2: Yeah.

519
00:24:12,160 --> 00:24:14,439
Speaker 4: Like I handed over a form that said I had

520
00:24:14,520 --> 00:24:16,560
Speaker 4: cancer and someone gave me one hundred and twenty four thousand.

521
00:24:16,600 --> 00:24:18,720
Speaker 3: I mean, like we would go back in time and

522
00:24:18,880 --> 00:24:21,240
Speaker 3: not have cancer if it was an option, but it's not.

523
00:24:21,480 --> 00:24:23,240
Speaker 3: So at least we're trying to make Hey, while the

524
00:24:23,320 --> 00:24:26,200
Speaker 3: sun is shining, you know, yeah, so talk to me.

525
00:24:26,720 --> 00:24:29,320
Speaker 3: You're a finance girly through and through, like you're one

526
00:24:29,400 --> 00:24:32,639
Speaker 3: of us. What were your investments, what were you investing in?

527
00:24:32,800 --> 00:24:34,200
Speaker 3: And are you still investing?

528
00:24:34,400 --> 00:24:37,159
Speaker 4: So I haven't been actively investing for a while, but

529
00:24:38,080 --> 00:24:43,320
Speaker 4: I do have obviously my super which is about seventy

530
00:24:43,359 --> 00:24:47,119
Speaker 4: six thousand, very nice. And then I have some ETFs

531
00:24:47,320 --> 00:24:50,800
Speaker 4: in self wealth, which are about sixteen thousand, two hundred

532
00:24:51,400 --> 00:24:55,840
Speaker 4: ethical ets, some beatashes, some Vanguard, and some SMP five hundred.

533
00:24:55,920 --> 00:24:56,760
Speaker 3: Oh nice little mix.

534
00:24:56,920 --> 00:24:59,399
Speaker 4: And yeah, I hadn't been regularly investing for a while,

535
00:24:59,680 --> 00:25:03,240
Speaker 4: but I had that at ten thousand, and it's made

536
00:25:03,359 --> 00:25:05,720
Speaker 4: like a six thousand, two hundred profit.

537
00:25:06,119 --> 00:25:10,480
Speaker 2: Very nice, pretty, very nice. We like to see it.

538
00:25:10,640 --> 00:25:12,879
Speaker 3: And then you've been saving for your first home. What

539
00:25:13,119 --> 00:25:14,920
Speaker 3: kind of deposit have you got thus far?

540
00:25:15,359 --> 00:25:18,600
Speaker 4: Yep, so I had about a twenty five thousand dollars

541
00:25:18,840 --> 00:25:21,800
Speaker 4: deposit there and fifteen thousand in emergency.

542
00:25:22,000 --> 00:25:24,320
Speaker 3: Oh look at you. I was about to ask about emergency.

543
00:25:24,720 --> 00:25:25,119
Speaker 2: Look at you.

544
00:25:25,200 --> 00:25:26,880
Speaker 3: And then you've just got one hundred and twenty four

545
00:25:26,960 --> 00:25:31,400
Speaker 3: thousand sitting to the side for whatever will happen, which

546
00:25:31,640 --> 00:25:34,040
Speaker 3: ideally isn't going to cost you too much. We're hoping.

547
00:25:34,119 --> 00:25:36,000
Speaker 3: So in the grand scheme of things, I used to

548
00:25:36,000 --> 00:25:38,320
Speaker 3: always talk to my clients like, I'm hoping that you

549
00:25:38,359 --> 00:25:40,520
Speaker 3: get to keep all your trauma payment because we get

550
00:25:40,560 --> 00:25:44,800
Speaker 3: to live off our income protection. And again, for everyone

551
00:25:44,880 --> 00:25:47,760
Speaker 3: playing along at home, income protection is not one hundred

552
00:25:47,800 --> 00:25:50,479
Speaker 3: percent of your salary. It will usually be about seventy

553
00:25:50,560 --> 00:25:53,120
Speaker 3: to seventy five percent of your salary. For some policies

554
00:25:53,160 --> 00:25:56,639
Speaker 3: that might be eighty just depends on which company you're with.

555
00:25:56,760 --> 00:25:58,160
Speaker 3: For eighty is relatively rare.

556
00:25:58,560 --> 00:25:59,680
Speaker 2: What's the plan with that?

557
00:25:59,800 --> 00:26:02,480
Speaker 3: Do you think that that will be enough income protection

558
00:26:02,640 --> 00:26:04,440
Speaker 3: to mean you probably don't have to dip into that

559
00:26:04,560 --> 00:26:05,200
Speaker 3: trauma fund?

560
00:26:05,640 --> 00:26:06,440
Speaker 2: I think it should be.

561
00:26:06,560 --> 00:26:09,840
Speaker 4: Yes, So I'm really hoping that that is sorted soon,

562
00:26:09,960 --> 00:26:12,359
Speaker 4: and I have answers about that, but yeah, I definitely

563
00:26:12,400 --> 00:26:15,480
Speaker 4: think that will be enough, like I can live off that.

564
00:26:16,000 --> 00:26:18,719
Speaker 4: And then if that's the case, then the critical illness

565
00:26:18,840 --> 00:26:21,000
Speaker 4: obviously it also comes with you can.

566
00:26:20,960 --> 00:26:23,480
Speaker 2: Get financial advice reinvest you can.

567
00:26:24,119 --> 00:26:27,119
Speaker 4: Yes, So when that's all locked in and I know

568
00:26:27,280 --> 00:26:29,240
Speaker 4: that I won't have to spend too much of that,

569
00:26:29,600 --> 00:26:31,600
Speaker 4: I can go see a financial advisor and we can

570
00:26:31,680 --> 00:26:34,960
Speaker 4: get some of that invested, and yes, see what's the

571
00:26:35,040 --> 00:26:36,879
Speaker 4: best thing to do with that is, Look, if we're

572
00:26:36,920 --> 00:26:38,639
Speaker 4: going to get anything out of this, it better be

573
00:26:38,720 --> 00:26:41,400
Speaker 4: a bloody good financial position. I was going to say,

574
00:26:41,800 --> 00:26:44,719
Speaker 4: so if that's the case, in income protection, ideally recover

575
00:26:44,840 --> 00:26:47,639
Speaker 4: all of your expenses and keep you exactly on track.

576
00:26:48,200 --> 00:26:49,600
Speaker 2: Have you got plans for it?

577
00:26:49,720 --> 00:26:51,880
Speaker 3: Like do you want to invest that one twenty four

578
00:26:52,000 --> 00:26:53,879
Speaker 3: or that go to hoards a home deposit, or you

579
00:26:53,960 --> 00:26:56,359
Speaker 3: split it, or you're going on a big cruise. Who knows, Like,

580
00:26:56,640 --> 00:26:59,800
Speaker 3: have you got any big earmarks for that capital yet?

581
00:27:00,080 --> 00:27:03,560
Speaker 4: I think I would maybe keep like a tiny bit

582
00:27:03,640 --> 00:27:07,800
Speaker 4: forum deposit. But again, like I think probably the cancer

583
00:27:07,920 --> 00:27:10,480
Speaker 4: has like shifted those goals out a few years because

584
00:27:10,520 --> 00:27:13,359
Speaker 4: I just don't really want the admin of buying a

585
00:27:13,440 --> 00:27:16,240
Speaker 4: home and soon no thank you. So I think like

586
00:27:16,480 --> 00:27:19,200
Speaker 4: i'd probably want to invest most of it and have

587
00:27:19,359 --> 00:27:22,840
Speaker 4: it going like there and actively you know, generating future

588
00:27:22,880 --> 00:27:25,480
Speaker 4: income and wealth. So I think that would be the

589
00:27:25,600 --> 00:27:28,560
Speaker 4: main thing. Maybe save a little bit for a holiday,

590
00:27:28,720 --> 00:27:30,920
Speaker 4: but I think most of it get invested.

591
00:27:31,080 --> 00:27:31,680
Speaker 2: No, I love it.

592
00:27:32,040 --> 00:27:34,080
Speaker 3: I love it, and I just I'm so glad you're

593
00:27:34,119 --> 00:27:36,960
Speaker 3: going to be in a better situation. Like it's just

594
00:27:37,160 --> 00:27:39,440
Speaker 3: it's phenomenal to know that there are things that you

595
00:27:39,520 --> 00:27:42,320
Speaker 3: can put in place, even at twenty eight, to make

596
00:27:42,400 --> 00:27:43,600
Speaker 3: sure that future.

597
00:27:43,320 --> 00:27:43,960
Speaker 2: You is okay.

598
00:27:44,640 --> 00:27:46,920
Speaker 3: And it's so relatable that you were like, oh, I

599
00:27:47,080 --> 00:27:49,200
Speaker 3: got the fees and I was like, I don't even

600
00:27:49,200 --> 00:27:50,560
Speaker 3: know if I want to do this, and I'm glad

601
00:27:50,600 --> 00:27:52,800
Speaker 3: you did. But I feel like we all get that

602
00:27:53,200 --> 00:27:56,840
Speaker 3: kind of like price shock. We go, oh wait, income

603
00:27:56,920 --> 00:28:01,359
Speaker 3: protection is actually a little bit pricey, yes, but it'll

604
00:28:01,400 --> 00:28:03,560
Speaker 3: be worth it. Obviously, you're glad.

605
00:28:03,320 --> 00:28:03,800
Speaker 2: That you did it.

606
00:28:04,000 --> 00:28:06,400
Speaker 3: What will you say to other twenty six twenty seven

607
00:28:06,480 --> 00:28:08,600
Speaker 3: year olds who kind of just don't see the point.

608
00:28:08,680 --> 00:28:10,399
Speaker 3: What would you be saying to them in this moment?

609
00:28:10,560 --> 00:28:10,760
Speaker 2: Yeah.

610
00:28:10,840 --> 00:28:12,840
Speaker 4: I mean I've been saying to everyone now like you

611
00:28:13,000 --> 00:28:15,720
Speaker 4: need to go. You should just and I've been recommending

612
00:28:15,760 --> 00:28:18,280
Speaker 4: sky Wealth because it is just so accessible with the

613
00:28:18,440 --> 00:28:21,040
Speaker 4: like one lump sum and they do all the guesswork

614
00:28:21,119 --> 00:28:23,040
Speaker 4: for you. But I was like, you should just go,

615
00:28:23,359 --> 00:28:26,080
Speaker 4: and you should just talk to them, because I talked

616
00:28:26,080 --> 00:28:28,160
Speaker 4: to them and was like, you know what, actually, I'm

617
00:28:28,160 --> 00:28:29,600
Speaker 4: a little bit scared of how much this is.

618
00:28:29,680 --> 00:28:33,000
Speaker 2: And I think we ended up adjusting TPD down a

619
00:28:33,119 --> 00:28:35,040
Speaker 2: little bit just to make it a bit more affordable.

620
00:28:35,600 --> 00:28:38,160
Speaker 2: So I'm like, you know, just go and look into it,

621
00:28:38,360 --> 00:28:40,600
Speaker 2: because you never know what's going to happen, you don't.

622
00:28:40,800 --> 00:28:43,680
Speaker 4: And I think the week of my diagnosis, I got

623
00:28:43,720 --> 00:28:47,160
Speaker 4: an email from I think it was Taal saying you've

624
00:28:47,200 --> 00:28:50,280
Speaker 4: had cover for one year. It's like one year anniversary.

625
00:28:50,760 --> 00:28:53,640
Speaker 4: And I just couldn't believe that one year And it

626
00:28:53,760 --> 00:28:56,480
Speaker 4: was like the week of my diagnosis. So I just, yeah,

627
00:28:56,600 --> 00:28:58,440
Speaker 4: tell her and like, no, you have to you have

628
00:28:58,560 --> 00:29:01,080
Speaker 4: to go figure it out, like yeah, you know, even

629
00:29:01,280 --> 00:29:04,000
Speaker 4: just talk to the like experts who know, see if

630
00:29:04,040 --> 00:29:06,280
Speaker 4: you can get something that's more on your affordable like

631
00:29:06,720 --> 00:29:09,560
Speaker 4: just anything's better than nothing still, and be honest.

632
00:29:09,280 --> 00:29:11,840
Speaker 3: About it, like we're just people as well, Like yes,

633
00:29:11,880 --> 00:29:15,000
Speaker 3: we're financial advisors, but like we get that it's expensive.

634
00:29:15,160 --> 00:29:16,840
Speaker 3: I don't think it's I feel like a lot of

635
00:29:16,960 --> 00:29:19,200
Speaker 3: us are embarrassed to go back and be like, oh,

636
00:29:19,400 --> 00:29:21,720
Speaker 3: actually I got really shocked when I saw that price

637
00:29:21,760 --> 00:29:23,720
Speaker 3: because we don't want to talk about that because like

638
00:29:23,880 --> 00:29:24,560
Speaker 3: is that embarrassing?

639
00:29:24,640 --> 00:29:25,040
Speaker 1: I don't know.

640
00:29:25,720 --> 00:29:28,200
Speaker 3: But talk to your advisor about it. I promise they

641
00:29:28,280 --> 00:29:30,080
Speaker 3: will be like, oh my gosh, girl, I know when

642
00:29:30,120 --> 00:29:32,360
Speaker 3: I got my insurance is done, I thought they were

643
00:29:32,400 --> 00:29:33,880
Speaker 3: cooked as well, and then we can have a chat

644
00:29:33,920 --> 00:29:36,200
Speaker 3: about the levers that we can pull. Or you know,

645
00:29:36,600 --> 00:29:38,800
Speaker 3: if you have income protection and you said that you

646
00:29:38,880 --> 00:29:40,800
Speaker 3: wanted to wait sixty days to get it, maybe we

647
00:29:40,920 --> 00:29:43,200
Speaker 3: push it to ninety and the fees drop, and maybe

648
00:29:43,240 --> 00:29:44,920
Speaker 3: we push it to one hundred and twenty days and

649
00:29:44,960 --> 00:29:47,600
Speaker 3: the fees drop again. Just like your cover for trauma,

650
00:29:47,880 --> 00:29:49,920
Speaker 3: you would have adjusted it slightly and it would have

651
00:29:50,000 --> 00:29:53,040
Speaker 3: gotten cheaper. Yes, you don't get as much payout, but

652
00:29:53,200 --> 00:29:55,200
Speaker 3: like it would have been more than enough for your

653
00:29:55,240 --> 00:29:57,320
Speaker 3: situation still, because we're not going to let you go

654
00:29:57,400 --> 00:30:00,479
Speaker 3: away with incomplete insurances. But I think there's a lot

655
00:30:00,560 --> 00:30:02,240
Speaker 3: that you can do. And at the end of the day,

656
00:30:02,240 --> 00:30:04,480
Speaker 3: we're just people who want to talk you through this.

657
00:30:04,640 --> 00:30:07,560
Speaker 3: Don't let that price tag shock mean that you don't

658
00:30:07,600 --> 00:30:10,400
Speaker 3: got We and get it or implement it. And as

659
00:30:10,480 --> 00:30:14,080
Speaker 3: you were saying before, you've got your income protection frustratingly

660
00:30:14,560 --> 00:30:16,160
Speaker 3: through your super because it's a bit more of a

661
00:30:16,200 --> 00:30:18,840
Speaker 3: complex process, but that means it gets paid out of

662
00:30:18,920 --> 00:30:22,479
Speaker 3: your super, so that's not being budgeted into your weekly budget,

663
00:30:22,520 --> 00:30:23,760
Speaker 3: which is kind of a money whin.

664
00:30:23,920 --> 00:30:25,680
Speaker 4: I think, yeah, that's the thing as well, is like

665
00:30:25,840 --> 00:30:27,920
Speaker 4: it looks really scary when they're giving you all the

666
00:30:28,000 --> 00:30:31,240
Speaker 4: quotes and then like eighty percent of that is hidden

667
00:30:31,280 --> 00:30:33,120
Speaker 4: away in super and you can like turn a blind

668
00:30:33,160 --> 00:30:34,240
Speaker 4: eye to a squats.

669
00:30:34,600 --> 00:30:37,120
Speaker 3: You can pretend it's not happening. You're like, that's a

670
00:30:37,240 --> 00:30:40,760
Speaker 3: tax effective environment. So that makes sense for sure. So

671
00:30:41,160 --> 00:30:43,760
Speaker 3: talk to me, what is your best money habit?

672
00:30:43,920 --> 00:30:45,000
Speaker 2: I think that's so.

673
00:30:45,040 --> 00:30:49,480
Speaker 4: Money habit is. I've always had an emergency savings count. Sure,

674
00:30:49,560 --> 00:30:53,160
Speaker 4: I knew what an emergency savings count like, even baby

675
00:30:53,240 --> 00:30:55,560
Speaker 4: me with like first job and it was like five

676
00:30:55,640 --> 00:30:58,520
Speaker 4: thousand dollars. I was always like, there always has to

677
00:30:58,560 --> 00:31:00,280
Speaker 4: be a certain amount of money that is just like

678
00:31:00,920 --> 00:31:04,160
Speaker 4: that is for the worst case scenario. And I've just

679
00:31:04,280 --> 00:31:06,520
Speaker 4: always done that. So I think that's probably my best

680
00:31:06,600 --> 00:31:08,840
Speaker 4: money haven't And thankfully this time I haven't needed it.

681
00:31:08,960 --> 00:31:09,640
Speaker 2: But it was there.

682
00:31:09,720 --> 00:31:12,320
Speaker 3: And you know what, I want your emergency fund to

683
00:31:12,520 --> 00:31:15,120
Speaker 3: like be useless and not need it. I also want

684
00:31:15,160 --> 00:31:17,360
Speaker 3: your insurances to be the biggest waste of money you

685
00:31:17,480 --> 00:31:20,400
Speaker 3: ever spend money on, because if you've got insurances that

686
00:31:20,480 --> 00:31:23,000
Speaker 3: you're paying for and you're like look back in sixty

687
00:31:23,080 --> 00:31:26,400
Speaker 3: years and go, oh my god, Victoria as my financial advisor.

688
00:31:26,440 --> 00:31:27,479
Speaker 2: Why did you set that up?

689
00:31:27,520 --> 00:31:30,600
Speaker 3: That was such a waste? I never claimed on it. Good, Like,

690
00:31:30,880 --> 00:31:33,040
Speaker 3: that's the point. I want it to be the biggest

691
00:31:33,080 --> 00:31:36,000
Speaker 3: waste of money. But on the flip side, money, diris,

692
00:31:36,040 --> 00:31:37,080
Speaker 3: that was a pretty good investment.

693
00:31:37,360 --> 00:31:37,920
Speaker 2: Not gonna lie.

694
00:31:38,000 --> 00:31:39,880
Speaker 3: You only had to pay one year of fees before

695
00:31:39,920 --> 00:31:41,520
Speaker 3: you got one hundred and twenty four grand. Oh yea,

696
00:31:41,560 --> 00:31:43,040
Speaker 3: y yeah, that's a pretty good return.

697
00:31:42,840 --> 00:31:44,560
Speaker 2: On the investment. I think I did the math, like,

698
00:31:44,640 --> 00:31:46,200
Speaker 2: I think I was paying like one hundred and ten

699
00:31:46,280 --> 00:31:49,080
Speaker 2: dollars a month for it, so it's like, here we go.

700
00:31:49,360 --> 00:31:51,440
Speaker 2: I was like, oh wow, that was that was a

701
00:31:51,680 --> 00:31:52,680
Speaker 2: very profitable one.

702
00:31:52,880 --> 00:31:54,160
Speaker 3: You know what, We've got to make hay while the

703
00:31:54,200 --> 00:31:56,640
Speaker 3: sun's shining and kind of laugh a little bit about it,

704
00:31:56,680 --> 00:31:59,800
Speaker 3: because that's the finance side. When we are protected, can

705
00:32:00,080 --> 00:32:03,160
Speaker 3: be laughed about, but it can't be if we aren't protected.

706
00:32:03,600 --> 00:32:06,200
Speaker 3: And nothing else about this journey is funny. So we

707
00:32:06,320 --> 00:32:08,680
Speaker 3: really do have to find the tiny pockets of joy

708
00:32:08,760 --> 00:32:11,120
Speaker 3: where we can have a bit of a laugh at

709
00:32:11,240 --> 00:32:13,720
Speaker 3: literally nobody's expense except for the insurers.

710
00:32:13,840 --> 00:32:16,200
Speaker 2: My sister jokes, she's like, it's not what you can

711
00:32:16,240 --> 00:32:17,960
Speaker 2: do for cancer, it's what cancer can do for you,

712
00:32:18,160 --> 00:32:18,480
Speaker 2: you know what.

713
00:32:18,720 --> 00:32:21,200
Speaker 3: I like that I'm probably not going to use it.

714
00:32:21,480 --> 00:32:23,440
Speaker 3: I feel like you can only use it if you

715
00:32:23,560 --> 00:32:24,200
Speaker 3: have cancer.

716
00:32:24,480 --> 00:32:25,480
Speaker 2: But pop off, queen.

717
00:32:25,880 --> 00:32:27,960
Speaker 3: I'm like, you know what, Yeah, I can get things

718
00:32:28,000 --> 00:32:30,440
Speaker 3: at I know we allowed to laugh when people say that.

719
00:32:30,600 --> 00:32:32,680
Speaker 2: I think, so as the person with cancer, I say

720
00:32:32,720 --> 00:32:33,360
Speaker 2: it's okay.

721
00:32:33,200 --> 00:32:35,080
Speaker 3: Yeah, okay, thank you for the permission, because I was like,

722
00:32:35,120 --> 00:32:37,240
Speaker 3: oh am, I meant to laugh at this, because sometimes

723
00:32:37,360 --> 00:32:40,000
Speaker 3: morbid jokes are like, we're not meant to find that funny.

724
00:32:40,200 --> 00:32:42,800
Speaker 3: Now money dires to flip it and maybe be funny again.

725
00:32:43,320 --> 00:32:47,600
Speaker 3: What's your worst money habit as a self proclaimed finance gurly, Yes, so.

726
00:32:47,880 --> 00:32:51,680
Speaker 4: I think as a finance gurly, I do have like

727
00:32:52,080 --> 00:32:56,320
Speaker 4: an overspending problem and really bad with monitoring money and

728
00:32:56,520 --> 00:33:00,480
Speaker 4: keeping a budget. But in saying that, I always make

729
00:33:00,520 --> 00:33:03,400
Speaker 4: sure my own is fund and my savings and bills

730
00:33:03,440 --> 00:33:05,920
Speaker 4: are all fed first, so good. It never put me

731
00:33:05,960 --> 00:33:08,840
Speaker 4: in a bad position. I just want to get better

732
00:33:08,920 --> 00:33:09,120
Speaker 4: at it.

733
00:33:09,280 --> 00:33:11,320
Speaker 3: But you're just self aware and you're like, I should

734
00:33:11,440 --> 00:33:13,520
Speaker 3: probably clean it up here a little bit.

735
00:33:13,720 --> 00:33:17,040
Speaker 2: Yeah, Just like as someone who's been in the finance space,

736
00:33:17,080 --> 00:33:18,720
Speaker 2: I'm like, we could be doing better.

737
00:33:18,920 --> 00:33:21,720
Speaker 3: Yeah, okay, And at the start of the episode, you said, look,

738
00:33:22,040 --> 00:33:24,440
Speaker 3: given what I know, I think I'm a B. What

739
00:33:24,560 --> 00:33:26,320
Speaker 3: would it take to get you from a B to

740
00:33:26,400 --> 00:33:26,640
Speaker 3: an A?

741
00:33:27,280 --> 00:33:30,880
Speaker 4: I mean, I think I've actually like taken some of

742
00:33:30,960 --> 00:33:33,800
Speaker 4: the time that I haven't been working when I'm feeling

743
00:33:33,880 --> 00:33:36,600
Speaker 4: good to do your budgeting MasterCards.

744
00:33:36,920 --> 00:33:37,120
Speaker 2: Oh.

745
00:33:37,400 --> 00:33:39,840
Speaker 3: I love that you're fully in the cult you went

746
00:33:39,880 --> 00:33:41,920
Speaker 3: in saw Sky Wealth got set up. You're doing my

747
00:33:42,040 --> 00:33:44,840
Speaker 3: money masterclass like the girls that get it get it

748
00:33:45,160 --> 00:33:46,560
Speaker 3: and then they get paid apparently.

749
00:33:46,720 --> 00:33:48,640
Speaker 2: And I've started the investing MasterCards.

750
00:33:49,040 --> 00:33:52,360
Speaker 4: Well, so I think definitely like going and seeing a

751
00:33:52,400 --> 00:33:57,040
Speaker 4: financial advisor and getting this one hundred k sorded will

752
00:33:57,080 --> 00:33:59,440
Speaker 4: be really good. But I think for me it's just

753
00:33:59,720 --> 00:34:03,600
Speaker 4: as that transaction back into normal life getting some routines

754
00:34:03,640 --> 00:34:06,800
Speaker 4: in place, Like I want to be back into regularly investing.

755
00:34:07,160 --> 00:34:09,520
Speaker 4: I want to be back into just knowing where my

756
00:34:09,640 --> 00:34:12,640
Speaker 4: money goes. Because yeah, when I did the banking order,

757
00:34:12,760 --> 00:34:15,120
Speaker 4: I was like, have to give myself full grace for

758
00:34:15,239 --> 00:34:17,239
Speaker 4: last year because we didn't know we had cancer for

759
00:34:17,320 --> 00:34:19,640
Speaker 4: most of the year. So when I see that I

760
00:34:19,680 --> 00:34:21,760
Speaker 4: spent a lot on like inning out, it's like, obviously

761
00:34:21,800 --> 00:34:24,920
Speaker 4: give myself grace. But I think I didn't know that

762
00:34:25,000 --> 00:34:27,600
Speaker 4: I was messed that much. So just want to be

763
00:34:27,800 --> 00:34:30,080
Speaker 4: more in the know about my money. I think would

764
00:34:30,320 --> 00:34:31,680
Speaker 4: take it to an accur Yeah, I love that.

765
00:34:31,760 --> 00:34:33,480
Speaker 3: I feel like you've got such a good level of

766
00:34:33,520 --> 00:34:36,240
Speaker 3: self reflection but also humor in this situation.

767
00:34:36,400 --> 00:34:37,520
Speaker 2: Like you are so positive.

768
00:34:38,080 --> 00:34:39,520
Speaker 3: I love it. You're like, nope, this is what the

769
00:34:39,600 --> 00:34:42,240
Speaker 3: next steps are, and like you seem so well balanced

770
00:34:42,280 --> 00:34:44,480
Speaker 3: about going. No, I really want to like transition well

771
00:34:44,560 --> 00:34:47,160
Speaker 3: back to work and like give myself grace. Like these

772
00:34:47,200 --> 00:34:49,240
Speaker 3: are all the things that I want to hear from people,

773
00:34:49,640 --> 00:34:52,319
Speaker 3: whether you've got cancer or not. Like, let's just give

774
00:34:52,360 --> 00:34:55,600
Speaker 3: ourselves a bit more grace, Like let's just let things

775
00:34:55,680 --> 00:34:58,080
Speaker 3: happen instead of going gung ho straight back into it,

776
00:34:58,080 --> 00:35:00,320
Speaker 3: because you would just burn yourself out. It'll be a

777
00:35:00,440 --> 00:35:01,360
Speaker 3: terrible recipe.

778
00:35:01,640 --> 00:35:02,280
Speaker 2: Yeah, definitely.

779
00:35:02,520 --> 00:35:06,080
Speaker 4: No, I'm like I want to take it easy, enjoy life,

780
00:35:06,320 --> 00:35:11,279
Speaker 4: prioritize friends, family, enjoying things like even things like just

781
00:35:11,360 --> 00:35:13,479
Speaker 4: going to the beach. I haven't been able to swim

782
00:35:13,719 --> 00:35:15,239
Speaker 4: or go to the beach, so I'm just like just

783
00:35:15,360 --> 00:35:17,520
Speaker 4: go and enjoy life and take things easy.

784
00:35:17,760 --> 00:35:20,160
Speaker 3: When you found out in September, so you had to

785
00:35:20,320 --> 00:35:23,520
Speaker 3: have the full cancer stuff happen over the Christmas New

786
00:35:23,600 --> 00:35:26,719
Speaker 3: Year period where it was like the best time like

787
00:35:27,040 --> 00:35:27,760
Speaker 3: weather wise.

788
00:35:28,120 --> 00:35:29,560
Speaker 2: That's extra root, isn't it.

789
00:35:29,840 --> 00:35:32,080
Speaker 4: I know the whole summer and you're no no pool

790
00:35:32,160 --> 00:35:35,560
Speaker 4: but no beach, and you're more UV sensitive as well,

791
00:35:35,840 --> 00:35:37,880
Speaker 4: and I lay pale is a ghost.

792
00:35:38,000 --> 00:35:39,600
Speaker 2: So already you've you.

793
00:35:39,640 --> 00:35:41,720
Speaker 3: Know what, you're going to have flawless skin for staying

794
00:35:41,760 --> 00:35:44,120
Speaker 3: inside for so long, you're aging backwards.

795
00:35:44,160 --> 00:35:46,239
Speaker 2: I'm pretty sure chemo has been great for my skin.

796
00:35:46,320 --> 00:35:48,760
Speaker 3: It's you know, it's the quote you used before.

797
00:35:48,840 --> 00:35:51,000
Speaker 2: It's not what you can do for cancer, right Yeah.

798
00:35:51,120 --> 00:35:54,680
Speaker 4: So yeah, as soon as I'm super well and immunity good,

799
00:35:54,760 --> 00:35:58,240
Speaker 4: I must travel to wherever it has summer and enjoy summer.

800
00:35:58,320 --> 00:36:00,640
Speaker 3: I think you deserve that absolutely.

801
00:36:00,880 --> 00:36:01,479
Speaker 2: Oh my gosh.

802
00:36:01,640 --> 00:36:03,560
Speaker 3: I have loved getting to know you, getting to know

803
00:36:03,680 --> 00:36:05,719
Speaker 3: your story. I just feel like I want to be

804
00:36:05,760 --> 00:36:08,319
Speaker 3: your best friend already, Like your just vibe is one

805
00:36:08,360 --> 00:36:11,200
Speaker 3: thousand percent my vibe, Like you're just so fun and

806
00:36:11,360 --> 00:36:14,040
Speaker 3: nice and just all of those things. So thank you

807
00:36:14,120 --> 00:36:16,200
Speaker 3: for sharing your story and being so open about it,

808
00:36:16,320 --> 00:36:18,560
Speaker 3: because it is hard to talk about. Like I know

809
00:36:18,640 --> 00:36:20,040
Speaker 3: that we've had a bit of a laugh during this,

810
00:36:20,200 --> 00:36:22,560
Speaker 3: but this is really bloody rough and it is not

811
00:36:22,760 --> 00:36:25,560
Speaker 3: something that I wish on anybody. And I'm just I'm

812
00:36:25,600 --> 00:36:27,480
Speaker 3: so glad that your chemo is wrapping up, and I'm

813
00:36:27,520 --> 00:36:29,239
Speaker 3: so glad that all of your scans to date have

814
00:36:29,360 --> 00:36:32,080
Speaker 3: been showing nothing, and I'm hoping that that's exactly how

815
00:36:32,160 --> 00:36:34,719
Speaker 3: they stay. But it is not a miss on me

816
00:36:34,880 --> 00:36:37,120
Speaker 3: that this has probably been rough to talk about, and

817
00:36:37,320 --> 00:36:39,160
Speaker 3: I just I really appreciate it, and I know that

818
00:36:39,239 --> 00:36:41,160
Speaker 3: my community is going to be so grateful to his

819
00:36:41,280 --> 00:36:44,839
Speaker 3: stories like this, and just knowing that hopefully even one

820
00:36:44,960 --> 00:36:47,879
Speaker 3: more person goes and gets their stuff sorted and they're

821
00:36:47,920 --> 00:36:50,239
Speaker 3: going to be protected when this happens, just makes it

822
00:36:50,280 --> 00:36:50,960
Speaker 3: all worthwhile.

823
00:36:51,120 --> 00:36:53,200
Speaker 2: So thank you so much. Well, thank you so much.

824
00:36:53,280 --> 00:36:55,640
Speaker 2: It was definitely a story like this that commits me

825
00:36:55,760 --> 00:36:56,279
Speaker 2: to go get it.

826
00:36:56,400 --> 00:36:58,920
Speaker 4: So I really hope someone else goes and sorts out

827
00:36:58,960 --> 00:37:02,440
Speaker 4: their insurances, helps them or it doesn't help them me too.

828
00:37:02,960 --> 00:37:03,560
Speaker 2: Also, be good.

829
00:37:03,680 --> 00:37:06,359
Speaker 3: I want you to waste your money, hopefully go give

830
00:37:06,400 --> 00:37:08,399
Speaker 3: it all to sky Welf and then never look back.

831
00:37:08,600 --> 00:37:11,840
Speaker 2: Yes, I love it. Thank you so much. It's so

832
00:37:12,000 --> 00:37:12,320
Speaker 2: good to me.

833
00:37:17,760 --> 00:37:20,280
Speaker 3: The advice shared on She's on the Money is general

834
00:37:20,360 --> 00:37:24,200
Speaker 3: in nature and does not consider your individual circumstances. She's

835
00:37:24,239 --> 00:37:27,680
Speaker 3: on the Money exists purely for educational purposes and should

836
00:37:27,760 --> 00:37:30,880
Speaker 3: not be relied upon to make an investment or financial decision.

837
00:37:31,280 --> 00:37:33,719
Speaker 3: If you do choose to buy a financial product, read

838
00:37:33,760 --> 00:37:37,880
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

839
00:37:37,920 --> 00:37:41,200
Speaker 3: your needs. Victoria Divine and She's on the Money are

840
00:37:41,280 --> 00:37:46,239
Speaker 3: authorized representatives of money. Sheirper pty Ltd ABN three two

841
00:37:46,320 --> 00:37:49,319
Speaker 3: one IS six four nine two seven seven zero eight

842
00:37:49,640 --> 00:37:52,160
Speaker 3: AFSL four five one two eight nine