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Speaker 1: My name's Sasha 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 yah y and Binahaka nian Ar gay In Mbini

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Speaker 1: yakarum Jar dominyamiga Umagahawaka Woman Damon imlan Bumba ban Gadabomba

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Speaker 1: in and now in wakah ghan On yak rum Jar

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Speaker 1: water Nadaa. Hello, beautiful friends, we gather on the lands

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Speaker 1: of the Aboriginal people. We thank acknowledge and respect the

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Speaker 1: Aberiginal people's land that we're gathering on today. Take pleasure

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Speaker 1: in all the land and respect all that you see.

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Speaker 1: She's on the Money podcast acknowledges culture, country, community and connections,

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Speaker 1: bringing you the tools, knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 2: Hello and welcome to She's on the Money, the podcast

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Speaker 2: that makes personal finance fun, especially on Fridays. Friday is

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Speaker 2: mine and I guess our whole team's favorite day of

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

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Speaker 2: get to celebrate you, our incredible She's on the Money

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Speaker 2: community today, no surprises. We're back into the swing of it.

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Speaker 2: Miss Jess Gotrich is going to be sharing some of

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Speaker 2: our favorite community money wins. Miss beck Sayeed is going

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Speaker 2: to be sharing your broke tips from this week, and

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Speaker 2: we're going to be helping to answer a money dilemma

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Speaker 2: about whether a bridging loan is a good idea and

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Speaker 2: a DM that you slid into our inbox about what

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Speaker 2: rules should you put in place when it comes to

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Speaker 2: dating and money, which could be really fun because it's

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Speaker 2: all going to be the good friend. But before we

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Speaker 2: get there, guys, would you like a five star review? Absolutely?

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Speaker 2: So this five star review didn't come for our podcast,

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Speaker 2: Oh sorry, it came from my Investing masterclass And this

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Speaker 2: is from Dha, So she says, I wanted to express

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Speaker 2: that doing the Investing master Class put me in a

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Speaker 2: much better position to understand, digest, and confidently navigate the

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Speaker 2: whole process. It really made a noticeable difference to my

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Speaker 2: confidence levels. Victoria and the team teach financial literacy exceptionally well,

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Speaker 2: which has given me a strong foundation of knowledge to

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Speaker 2: trust in, supported me in navigating the advice I'm getting,

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Speaker 2: and helped me feel comfortable expanding my risk engagement rather

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Speaker 2: than always playing it safe, which actually isn't safe in hindsight?

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Speaker 2: Really sweet, incredible, My fair investors loved it, I know.

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Speaker 2: And my favorite thing is these. Actually, every time someone

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Speaker 2: leaves a five star review for my courses, I actually

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Speaker 2: get it emailed to me. So I get these like

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Speaker 2: emails pretty consistently of people being like, oh my god,

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Speaker 2: the money master Class. Oh my god, the investing mask Class.

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Speaker 2: I do not get sick of it.

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Speaker 4: No, I do not.

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Speaker 2: All right, let's move forward, less master class, more perfect questions,

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Speaker 2: I suppose. So it's time for that part of Friday

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Speaker 2: Drinks where you guys get to as in our community

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Speaker 2: gets to ask us one question that you are dying

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

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Speaker 2: week's question comes from our friend Amber, who wants to

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Speaker 2: know what are your favorite beauty dupes?

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Speaker 3: Oh, I have one number four MC Beauty Vanilla and

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Speaker 3: or no no, no, it's a jeep for soald Asionaire. Sorry, yes,

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Speaker 3: the so what's it called?

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Speaker 4: Saltasionaire? So the one we were looking at it when

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Speaker 4: we were looking at sold Asaire sold Asianaio in Mecca.

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Speaker 4: They have a dupe and it is the most delicious

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Speaker 4: thing I've ever smelled. It honestly smells like something is

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Speaker 4: baking right now in your kitchen and it is the

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Speaker 4: salted caramel pistachio something like that.

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Speaker 3: It's number four. I believe you got you gotta smell

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Speaker 3: this and it is like, I think fourteen dollars or

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Speaker 3: something something else. I don't know.

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Speaker 2: It's like fifty bucks. It's expensive.

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Speaker 3: Expensive, it's expense and so that's the extraight out of.

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Speaker 2: The gates with a beauty dupe. But I did not

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Speaker 2: see her done.

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Speaker 3: Did you see her in Mecca? We went to Mecca

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Speaker 3: at the airport. We went to city for work, and

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Speaker 3: she made a beeline to that thing. I did well.

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Speaker 3: Jess has told me a few things.

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Speaker 2: Am I looking at skincare or makeup more?

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Speaker 3: I'm looking for anything that my girlfriend currently has in

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Speaker 3: her makeup bag so that I can see if it's

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Speaker 3: on special. She's really taught me the ways, the ways

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Speaker 3: of the world.

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Speaker 2: You know, love this, So it's mainly she's being warm.

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Speaker 3: Cream. Yeah, cream.

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Speaker 4: Mine is not a dupe per se, but it's like

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Speaker 4: a little tip slash cheap option. It is instead of

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Speaker 4: doing like a fancy lip glass or even sometimes instead

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Speaker 4: of lipstick, I'll do a Lano lipslip Bump.

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Speaker 3: Fourteen dollars. I think from Mecca.

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Speaker 4: They do all these amazing flavors, and they do these

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Speaker 4: jelly ones that are tinted. Now, So if you do

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Speaker 4: need a bit of color, yeah, when did that happen?

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Speaker 2: I know?

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Speaker 4: So you can do one with a tim if you

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Speaker 4: do want a bit of color. Otherwise, I love to

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Speaker 4: do it over the top of a lipstain, like I

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Speaker 4: love a Benettin or something like. And I find it

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Speaker 4: just wears really nice. It gives you glossy lips, but

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Speaker 4: it feels good. It's not sticky, and you can kind

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Speaker 4: of put it on without really thinking about it. And yeah,

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Speaker 4: like I think they're around the fourteen dollar mark.

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Speaker 2: Gorgeous.

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Speaker 3: I would call that a money in.

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Speaker 2: I'm going to bring the mood down. Oh I hated you, Yeah,

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Speaker 2: I hated you. I don't like MC beauty. You won't

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Speaker 2: catch me working with them. I can't like and I

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Speaker 2: don't particularly care. Oh no, I'm going to burn my

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Speaker 2: bridge there. Well, I wasn't ever going to work with

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Speaker 2: them anyway.

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Speaker 3: It is the ethics of it all.

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Speaker 2: I just can't deal with it. I just go and

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Speaker 2: maybe we could do a whole episode on this dube culture.

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Speaker 2: But they're using another brand's marketing, another brand's product visually

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Speaker 2: to sell you a product that you immediately go, I

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Speaker 2: love this, it's a dupe of this, But then you

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Speaker 2: look at all the ingredients and they are wildly different.

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Speaker 2: Like if you look at any of their products that

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Speaker 2: are packaged exactly the same, like the Charlotte, They've gone

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Speaker 2: rife on Charlotte Tilbury. None of those products are comparable.

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Speaker 2: The packaging identical, Like the packaging is so similar, but

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Speaker 2: then you look at the ingredients and you're like, well,

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Speaker 2: that's not what you're getting, Like you're not getting a

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Speaker 2: like for like product. So I very much believe in

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Speaker 2: just finding products that you really like, not necessarily looking

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Speaker 2: for a dupe of a I don't know, I just

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Speaker 2: the dube culture is getting me because I'm like, you're

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Speaker 2: not actually caring about the product itself. You're caring about

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Speaker 2: the marketing and the branding and being seen with a

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Speaker 2: product or being seen with specific lipstick packaging, and I

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Speaker 2: just feel like that's over consumerism.

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Speaker 4: The definition of a dupe has changed significantly. Because we

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Speaker 4: both loved watching like a YouTube Vita Geo back in

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Speaker 4: the day. I was, yes, same, I participated in the

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Speaker 4: YouTube ud Guru YouTube that was a life stup. But anyway,

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Speaker 4: here know there like back in the day, people would

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Speaker 4: make Jube videos and they would be swatching products like, oh,

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Speaker 4: if you like this mac eyeshadow, you like the color

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Speaker 4: of it, you can't afford it.

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Speaker 3: Here is a comparable boreal version, correct, which I think

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Speaker 3: that I.

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Speaker 2: Have no issue issue with that at all.

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Speaker 3: I completely agree that.

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Speaker 4: I think there are lots of now that try to

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Speaker 4: replicate more high end products and it is as exactly said,

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Speaker 4: it's all in the packaging, and it's like, that's not

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Speaker 4: to me. I think, if you want to find this,

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Speaker 4: you know, like I switched from the Boomboom cream because

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Speaker 4: quite frankly, I can't afford to spend ninety dollars on

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Speaker 4: a body moisture.

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Speaker 3: Absolutely Now I get the soap and glory they.

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Speaker 2: Oh my gosh, they've just released the vanilla one have.

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Speaker 4: Yes, I haven't tried the vanilla, but hey, the vanilla

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Speaker 4: is elite, but like I've switched that and that necessarily

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Speaker 4: isn't a direct dupe, but it's like a comparable product.

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Speaker 4: And to me, when I think due like that's what

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Speaker 4: I think, like these brands ripping off each other's designs, creations,

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Speaker 4: et cetera.

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Speaker 3: Exactly.

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Speaker 2: Not okay, So my favorite jube in that case is

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Speaker 2: the Nivia Soft Cream Julie note it. It is the moisturizer,

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Speaker 2: and Charlotte Tilbury has historically spoken about that being a

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Speaker 2: really great moisturizer, comparable to her Magic Cream, which is

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Speaker 2: like one hundred and fifty dollars a pot. Yeah, I

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Speaker 2: would say that I use the Nivia Soft Cream, by

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Speaker 2: the way, under five dollars for a tube of it

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Speaker 2: at the serial arket. Okay, And that's my daily top

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Speaker 2: up moisturizer slash primer. I love a loreal product, So

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Speaker 2: I love and like I just I really like cosmetics.

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Speaker 2: I can just get at easily price line for a

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Speaker 2: price point that I don't feel like, oh my god,

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Speaker 2: I'm putting one hundred and ten dollars like foundation on

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Speaker 2: my face. Do not get me wrong. I'm in the

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Speaker 2: privileged position where I do own those things as well.

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Speaker 2: But I'm a pretty reasonable person. Every single day. To me,

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Speaker 2: that's ridiculous. You don't in my head, I do not

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Speaker 2: need to wear Georgio Armani foundation every single day. My

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Speaker 2: loreal true match has never done me dirty. Yeah you

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Speaker 2: know what I mean, And I can get that on

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Speaker 2: sale and the R money that doesn't go on sale.

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Speaker 5: Yeah.

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Speaker 2: Anyway, if you guys have a question that you want

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Speaker 2: a real, honest, authentic answer from, leave it in the

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Speaker 2: comments below or email us or slide into our DMS.

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Speaker 2: Moving on, Miss jez Garucci Community money Wins.

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Speaker 4: What have you got already? Firstly, Shona says, I have

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Speaker 4: set my intentions and resolutions for twenty twenty six. My

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Speaker 4: goal is to save at least ten thousand dollars and

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Speaker 4: also set up some new bank accounts so I can

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Speaker 4: keep track of my spendings and savor better. I already

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Speaker 4: feel so relieved. Also, it's my birthday today, Happy birthday,

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Speaker 4: so I will we taking advantage of all the free

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Speaker 4: dies that I can get Boost Juice, churros and a

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Speaker 4: free donut at Crispy Cream Good Adredable. Next, I've got

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Speaker 4: one from Stacy who said she won two competitions in one.

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Speaker 3: Week, which is a very nice little surprise.

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Speaker 4: She said she normally never wins anything, and she walked

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Speaker 4: away with a baby swaddle and also a free.

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Speaker 3: Clean for her house and a free beauty treatment. Oh

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Speaker 3: my love, I would love it.

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Speaker 2: Free cream and a free treatment. You come on over,

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Speaker 2: tell me I'm pretty and clean my house. Oh my god,

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Speaker 2: marry that person.

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Speaker 4: Next, I want money win from Logan, who said they

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Speaker 4: recently had a doctor's appointment where the receptionist did not

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Speaker 4: ask them to tap their card for a second time

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Speaker 4: for the Medicare rebate. They checked their account and it

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Speaker 4: had never went in, so they jumped on MyGov to

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Speaker 4: make a Medicare claim and to their surprise, had a

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Speaker 4: message for Medicare saying that they were owed money and

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Speaker 4: that their bank details need to be updated. The bank

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Speaker 4: details are really old. They checked the account today to

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Speaker 4: find every rebate that had been missed out on for

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Speaker 4: the past four years.

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Speaker 3: Sorry what I was ready to be deposited? It was

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Speaker 3: over five hundred dollars money win.

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Speaker 4: Logan said, this is your sign to make sure you're

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Speaker 4: checking your Medicare rebate goes in and if it doesn't,

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Speaker 4: look into why because you maybe owed some money? So

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Speaker 4: a little life I've been for everybody to do. I

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Speaker 4: think tonight, yes, and then I've got a money win.

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Speaker 4: From Eliza, who said she made a silly purchase online,

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Speaker 4: tried to return it, but they ended up offering her

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Speaker 4: a seventy percent refund to keep the product. So she

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Speaker 4: said a money loss turned into kind of a money win,

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Speaker 4: and lessoned learned about falling for Instagram ads. And then

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Speaker 4: lastly this week, I have got a money win from

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Speaker 4: dem who said I got an Airbnb that looked nothing

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Speaker 4: like it was advertised. It's completely wrong as to what

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Speaker 4: the description, et cetera was. I made sure I took

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Speaker 4: real time photos, launched a request and got myself a

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Speaker 4: little refund.

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Speaker 2: That is so good, but also how disappointing.

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Speaker 3: I know we're hearing lots of stories about that at

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Speaker 3: the moment.

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Speaker 2: It's actually crazy.

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Speaker 3: Yeah, yes, especially those little tiny homes. Yeah, oh my god.

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Speaker 3: So unyoke is pretty good. They're always that's always accurate.

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Speaker 2: I love it. It's your time to shine. What broke

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Speaker 2: tips are you bringing to the table this oy?

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Speaker 4: Yeah.

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Speaker 3: So, my work friend just the other day gave me

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Speaker 3: this hack. She had an aceop deodorant, like a little spray.

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Speaker 2: But those are so expensive, but also they smell so good.

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Speaker 3: They are expensive. She was saying that it's cheaper than

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Speaker 3: the perfume. It smells just as good. So we sprist

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Speaker 3: it on ourselves and.

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Speaker 2: I was like, oh my god, this actually does a trick.

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Speaker 2: It is yodorant.

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Speaker 3: It's very expensive for yodorant, but if you're buying it

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Speaker 3: as a perfume, it really I think it's a lot

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Speaker 3: cheaper and it smells amazing, you know what I mean?

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Speaker 2: So your purpose product, Yes, exactly right now.

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Speaker 3: I don't know how good it does as deodorant, but anyway,

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Speaker 3: we'll see.

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Speaker 2: Who cares. If you like the product, you're allowed to

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Speaker 2: spend money on it. Absolutely, absolutely.

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Speaker 3: So the sex one comes from Nadine, who says using

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Speaker 3: dry mode when running the air con is a lot

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Speaker 3: cheaper to run, and also it makes your homel bless humid,

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Speaker 3: which yees. So it's so she sent me like an

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Speaker 3: Instagram video and so I won't open it right now,

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Speaker 3: but if you would like the link, I can give

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Speaker 3: that to you. But it's the little tear drop or

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Speaker 3: rain drop icon. When you go home, you'll see, I

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Speaker 3: know them really going to go have a look.

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Speaker 2: You go have a look.

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Speaker 3: It could be that icon and sometimes it looks a

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Speaker 3: bit different.

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Speaker 4: Cheap.

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Speaker 3: I'm not a wide cheaper, but apparently it is a

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Speaker 3: lot cheaper.

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Speaker 2: All right, I'm going to do my research by going

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Speaker 2: home and looking around. I'll call you if I've got questions,

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Speaker 2: because you've got the link.

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Speaker 3: I have the link and then my one. So I

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Speaker 3: kind of like don't want Messina to ever listen to this,

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Speaker 3: But Messina ice cream hack. If you go to Messina

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Speaker 3: and you get like a little small tub of.

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Speaker 4: Ice cream, it's nineteen dollars and you take it home,

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Speaker 4: you serve it up, blah blah blah. Instead what you

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Speaker 4: ask for is a three scoop in a takeaway container.

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Speaker 4: It comes in the same container, and it's filled the

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Speaker 4: same amount. Is the exact same thing as going in

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Speaker 4: and getting a small takeaway tub, and it's only ten dollars.

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Speaker 3: Sorry, it's three screws of Masina only ten dollars. That

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Speaker 3: feels like a good deal to me. It is ten dollars, Yes,

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Speaker 3: it's dollars.

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Speaker 2: The Messiner is actually across the road from Grilled, and

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Speaker 2: we already agreed that after this recording we're going to

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Speaker 2: Grilled to get lunch. So I just feel like we

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Speaker 2: should test that immediately, should make a video about it.

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Speaker 3: I am sure anyone who lives in Melbourne knows this guy.

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Speaker 3: I don't know his name. I'm so sorry. I know

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Speaker 3: exactly who you're talking. You know exactly what'stache he does. Oh,

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Speaker 3: he's great and he's the one that I saw, Like

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Speaker 3: I got that from put that link in the show

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Speaker 3: notes so that people can totally. But the reason I'm

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Speaker 3: saying this is because they may have cottoned on and

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Speaker 3: stopped doing that.

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Speaker 2: So getting quick, that's on them. That's on them, all right.

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Speaker 2: Moving on, we're going to go to a really quick

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Speaker 2: break and on the flip side, we're going to be

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Speaker 2: helping to answer a money dilemma about whether a bridging

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Speaker 2: loan is a good idea. Also explain what a bridging

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Speaker 2: loan is. And we got a DM this week. You

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Speaker 2: asked us what rules should we be putting in place

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Speaker 2: when it comes to dating and money, So guys don't

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Speaker 2: go anywhere.

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Speaker 3: Welcome back, everybody. Let's take a listen to this week's

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Speaker 3: money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma you just

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Speaker 2: can't solve the She's on the Money team is here

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Speaker 2: to help. Every week we tackle your dilemmas, both big

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Speaker 2: and small, to answer your most burning money career and

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Speaker 2: life questions. To get involved, simply head to our website

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Speaker 2: and leave us a short voice recording, and you might

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Speaker 2: just find yourself on the show. Now, let's take a

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Speaker 2: listen to this week's money dilemma.

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Speaker 6: High Sees on the Money. I'm really interested to learn

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Speaker 6: more about bridging loans. I am thinking about upgrading my

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Speaker 6: current home that I live in, but I'm nervous to

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Speaker 6: sell it and then move into a rental and then

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Speaker 6: potentially be without a house if I can't buy. So

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Speaker 6: the prospect of buying a property first and then telling

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Speaker 6: mine is very attractive, but I am a bit worried

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Speaker 6: about the conside of bridging loans, such as if I

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Speaker 6: can't sell my current property. Came for your perspective, Thank you.

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Speaker 4: May I just say that perhaps we handle all this

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Speaker 4: one straight over Tone her owns a mortgage breaking company.

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Speaker 2: I think, so, oh wow, you guys think I might

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Speaker 2: have a response that's so crazy. She explained it pretty well.

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Speaker 2: So a bridging loan is exactly what you think it is.

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Speaker 2: It is a short term home loan that you get

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Speaker 2: that helps you purchase a brand new property before you've

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Speaker 2: sold your existing one, and people use them when they

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Speaker 2: want to secure their next home without having to rush

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Speaker 2: the sale on their current property, especially in relatively competitive markets,

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Speaker 2: because you don't want to like quickly have to sell, sell, sell,

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Speaker 2: and take the first offer like we want to get

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Speaker 2: the best offer. But essentially quote bridges the gap between

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Speaker 2: buying and selling and gives you access to temporary funds

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Speaker 2: so that you can move first and then sell later,

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Speaker 2: which is also really nice because you could move all

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Speaker 2: of your stuff out into your brand new home and

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Speaker 2: then have an empty home to style and sell nicer

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Speaker 2: or something like that, rather than feeling like you have

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Speaker 2: to accept a lower price on your property. People are

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Speaker 2: also going to use bridging loans if like so like

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Speaker 2: Steve and I right, like, we weren't shopping for a

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Speaker 2: brand new home, and thankfully we didn't use a bridging loan,

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Speaker 2: so I won't say, oh, yes, this is exactly what happened.

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Speaker 2: But we purchase down home that we currently live in

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Speaker 2: before we even thought about selling our current home because

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Speaker 2: we're like, oh my god, our dream home has literally

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Speaker 2: just popped up. We don't want to miss this opportunity.

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Speaker 2: Auctions in two weeks. Yeah, so we had to think

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Speaker 2: about what finance would look like and if you don't

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Speaker 2: have the finances to purchase that dream home, but you're like,

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Speaker 2: I could if I sold my house. Though, you can

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Speaker 2: get a loan that will bridge the gap, so they

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Speaker 2: will pay for it during that period of time. The

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Speaker 2: interest rate is higher, so you do have to take

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Speaker 2: that into consideration, but usually you're very happy to pay

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Speaker 2: that because you're like, great, I'll do that and then

363
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Speaker 2: I can sort this out in due course instead of

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Speaker 2: being forced to sell it, but also not forced to

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Speaker 2: sell it. You cannot sell a house within two weeks, no,

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Speaker 2: so there's often ways to do that. Some people just

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Speaker 2: want to do it because they feel safer securing their

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Speaker 2: new home before selling their own home, because they're like, well,

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Speaker 2: I don't want to sell my current property and then

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Speaker 2: like not find our dream home, Like what if I

371
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Speaker 2: sell that and then I'm homeless? Yeah, like I don't

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00:17:07,560 --> 00:17:09,639
Speaker 2: want to be between houses. So there's lots of reasons

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Speaker 2: people use them. I would talk to a mortgage broker,

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Speaker 2: obviously one at Zella Money, but I would talk to

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Speaker 2: a mortgage broker about how to utilize that, whether it

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Speaker 2: works in your circumstances. I have lots of thoughts and opinions,

377
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Speaker 2: because you know, if you've got a not so favorable

378
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Speaker 2: apartment in a block that doesn't sell very well, and

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Speaker 2: then you're going to use a bridging loan, can we

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Speaker 2: guarantee that there will be a sale that happens? Like,

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Speaker 2: you want to be pretty confident if you're taking on

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Speaker 2: a bridging loan that the property that you currently own

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Speaker 2: will sell.

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Speaker 4: What happens in that circumstance, Like, let's say you take

385
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Speaker 4: out the bridging loan and you don't sell your property, Yeah.

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Speaker 2: Because there's lots of things that could happen, but essentially

387
00:17:46,200 --> 00:17:48,200
Speaker 2: you will be stuck on that bridging loan with a

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Speaker 2: bigger interest, right, which can be really scary. Yeah, And

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Speaker 2: so I don't want to scare you away from it,

390
00:17:53,359 --> 00:17:55,200
Speaker 2: but like talk to a broker because, like you know,

391
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Speaker 2: in the Melbourne market, if you're in a city and

392
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Speaker 2: you're selling like and when I say inner city, I

393
00:17:59,720 --> 00:18:04,639
Speaker 2: mean the fifty kilometers around, very likely to sell. But

394
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Speaker 2: then maybe if you're like super regional and that house

395
00:18:07,680 --> 00:18:09,680
Speaker 2: is going to take twelve to eighteen months to sell,

396
00:18:09,720 --> 00:18:12,480
Speaker 2: maybe that's not so favorable. But then also there's that

397
00:18:12,600 --> 00:18:15,480
Speaker 2: added layer of risk as well. You can't just go,

398
00:18:15,800 --> 00:18:18,879
Speaker 2: I will get a bridging loan, because the company offering

399
00:18:18,920 --> 00:18:22,760
Speaker 2: the bridging loans are very likely to assess your properties. Sorry,

400
00:18:22,840 --> 00:18:25,960
Speaker 2: what do you currently own because that's basically the equity

401
00:18:26,000 --> 00:18:27,720
Speaker 2: and what are you buying, and then they'll make a

402
00:18:27,760 --> 00:18:30,639
Speaker 2: decision as to whether they would even issue a bridging loan.

403
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Speaker 2: So we have had circumstances before where people have wanted

404
00:18:34,040 --> 00:18:36,919
Speaker 2: bridging loans come to us, we do everything within our

405
00:18:37,000 --> 00:18:39,320
Speaker 2: might to help, and the banks go, we're not going

406
00:18:39,400 --> 00:18:41,720
Speaker 2: to give you a bridging Yeah, that's not going to happen.

407
00:18:42,000 --> 00:18:43,840
Speaker 2: And in that case, just so you know, there are

408
00:18:43,880 --> 00:18:46,040
Speaker 2: backup options. There are people that we can go to

409
00:18:46,240 --> 00:18:48,840
Speaker 2: who can give you short term loans for home deposits

410
00:18:48,880 --> 00:18:50,760
Speaker 2: and stuff like that, so that then if you aren't

411
00:18:50,760 --> 00:18:52,560
Speaker 2: serviceable for a bridging loan, we can use that.

412
00:18:52,760 --> 00:18:55,359
Speaker 3: And then do you have to pay mortgage on booth?

413
00:18:56,280 --> 00:18:58,200
Speaker 2: Yes, there is like a period of time, but this

414
00:18:58,359 --> 00:19:00,360
Speaker 2: is the bridging loan that kind of bridges the gap,

415
00:19:00,480 --> 00:19:03,520
Speaker 2: so the I'm completely financially screwed. I see, I see it.

416
00:19:03,600 --> 00:19:06,560
Speaker 2: They're usually relatively lenient, but with that leniency comes a

417
00:19:06,600 --> 00:19:11,120
Speaker 2: premium in your interest rate. Okay, you answer that, Yeah, nothing,

418
00:19:11,600 --> 00:19:14,199
Speaker 2: nothing to add, No, just.

419
00:19:14,200 --> 00:19:16,280
Speaker 3: Take me to his advice. Yeah, she's always like she's

420
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Speaker 3: the expert.

421
00:19:17,400 --> 00:19:19,879
Speaker 2: Look I pretend to be. I'm not a mortgage broker,

422
00:19:20,240 --> 00:19:22,679
Speaker 2: which is kind of funny given I own a mortgage

423
00:19:22,720 --> 00:19:26,040
Speaker 2: broking business. But I know enough. It's not that I

424
00:19:26,520 --> 00:19:28,560
Speaker 2: know enough. I should just go do the bloody degree

425
00:19:28,640 --> 00:19:30,720
Speaker 2: because at this point I feel like I know everything,

426
00:19:31,560 --> 00:19:33,359
Speaker 2: not everything, but you know what I mean, Like, yeah,

427
00:19:34,160 --> 00:19:36,119
Speaker 2: I could do the job, I'm just not a credited

428
00:19:36,240 --> 00:19:38,920
Speaker 2: to do so. All right, here is the juicy DM

429
00:19:39,040 --> 00:19:40,760
Speaker 2: that we got this week. Hey, she's on the money.

430
00:19:41,080 --> 00:19:42,960
Speaker 2: I got out of a long term relationship and I

431
00:19:43,000 --> 00:19:47,080
Speaker 2: am finally dating again. This time I'm more financially literate

432
00:19:47,160 --> 00:19:50,399
Speaker 2: and conscious of money dynamics. A few things have happened

433
00:19:50,440 --> 00:19:53,879
Speaker 2: on dates that have given me the ick, like keeping

434
00:19:53,960 --> 00:19:56,480
Speaker 2: score of who paid, or going quiet when the bill

435
00:19:56,600 --> 00:19:58,960
Speaker 2: comes to test me on if I'll pay, or make

436
00:19:59,080 --> 00:20:02,760
Speaker 2: jokes about gold. One even said I'm too switched on

437
00:20:02,920 --> 00:20:03,600
Speaker 2: about money.

438
00:20:03,880 --> 00:20:05,520
Speaker 3: Oh what red flag?

439
00:20:05,840 --> 00:20:08,320
Speaker 2: Friends keep telling me I'm being picky and that dating

440
00:20:08,480 --> 00:20:11,119
Speaker 2: is already hard enough when it comes to money. I

441
00:20:11,200 --> 00:20:14,560
Speaker 2: don't know what standards are reasonable at this stage. Rules

442
00:20:14,600 --> 00:20:16,920
Speaker 2: I should have and red flags I should look out for.

443
00:20:17,400 --> 00:20:20,240
Speaker 2: Am I being too picky? Or am I overthinking it?

444
00:20:20,480 --> 00:20:22,720
Speaker 2: I'd love the community's opinion on all of this.

445
00:20:23,640 --> 00:20:27,320
Speaker 3: M I was telling a friend the other day that

446
00:20:27,440 --> 00:20:29,600
Speaker 3: sometimes if you like go on a date, this isn't

447
00:20:29,640 --> 00:20:32,000
Speaker 3: very relevant to money, but I think that it will

448
00:20:32,080 --> 00:20:35,120
Speaker 3: come back to this. But a friend, a male friend,

449
00:20:35,240 --> 00:20:38,440
Speaker 3: said to someone, men don't date women who go home

450
00:20:38,520 --> 00:20:41,160
Speaker 3: on the first date or something ridiculous like that, something

451
00:20:41,200 --> 00:20:43,920
Speaker 3: really old school, something inherently extremely sexist.

452
00:20:44,000 --> 00:20:47,960
Speaker 2: You're not taking advantage of me, but I'm taking advantage.

453
00:20:47,560 --> 00:20:50,800
Speaker 3: Yes, exactly. And I said, well, you should keep doing that,

454
00:20:50,880 --> 00:20:52,639
Speaker 3: then you should keep going home on the first date,

455
00:20:52,640 --> 00:20:54,800
Speaker 3: because then you'll weed out those kind of guys that

456
00:20:54,920 --> 00:20:58,399
Speaker 3: think like that, because they are disgusting. And so in

457
00:20:58,520 --> 00:21:02,600
Speaker 3: this situation, I a if you already kind of know like,

458
00:21:02,800 --> 00:21:04,479
Speaker 3: because I don't think it's just money. I think there

459
00:21:04,560 --> 00:21:07,800
Speaker 3: is something inherently like something's as symptomatic, if something bigger.

460
00:21:07,920 --> 00:21:09,639
Speaker 3: So if a guy is saying, are you a goldiger

461
00:21:10,000 --> 00:21:12,399
Speaker 3: or are you gonna pay for this, it's like, okay,

462
00:21:12,640 --> 00:21:14,440
Speaker 3: you hate women, sorry, but that's just black and white.

463
00:21:14,440 --> 00:21:16,040
Speaker 3: You're just a misogynist. And I don't want to date you.

464
00:21:16,160 --> 00:21:18,480
Speaker 3: So I think that it's really really good to still

465
00:21:18,560 --> 00:21:20,200
Speaker 3: keep those values because a lot of the time it's

466
00:21:20,240 --> 00:21:22,080
Speaker 3: not just like are you tight with your money or

467
00:21:22,119 --> 00:21:23,880
Speaker 3: are you not tight with your money? It is way

468
00:21:23,920 --> 00:21:26,800
Speaker 3: bigger than that. It is something that is because I'm assuming,

469
00:21:26,920 --> 00:21:28,960
Speaker 3: and I shouldn't assume. But this is quite like a

470
00:21:30,160 --> 00:21:33,720
Speaker 3: maybe like het norm hetero kind of dynamic. Maybe the

471
00:21:34,119 --> 00:21:35,120
Speaker 3: listener is woman.

472
00:21:35,119 --> 00:21:37,720
Speaker 2: Yeah, you're being in a completely dating like different dating

473
00:21:37,760 --> 00:21:40,600
Speaker 2: space totally totally. I was about to be like, oh, yeah, yeah, yeah,

474
00:21:40,600 --> 00:21:42,000
Speaker 2: and then I was like, you wouldn't go on a

475
00:21:42,119 --> 00:21:44,639
Speaker 2: date with a misogynistic man and they wouldn't even come

476
00:21:44,720 --> 00:21:47,640
Speaker 2: near you, like you wouldn't let them.

477
00:21:47,880 --> 00:21:52,159
Speaker 3: No, certainly not, but yes, I so like, listening on,

478
00:21:52,560 --> 00:21:55,680
Speaker 3: I'm thinking that's maybe the situation. So I would say, yeah,

479
00:21:55,760 --> 00:21:58,159
Speaker 3: keep doing what you're doing because I know that you know,

480
00:21:58,280 --> 00:22:00,520
Speaker 3: and you're not even probably conscious of it, that these

481
00:22:00,760 --> 00:22:03,480
Speaker 3: little things they're saying in the way they're acting around

482
00:22:03,520 --> 00:22:06,320
Speaker 3: money is not just about money. You're not just like, oh,

483
00:22:06,359 --> 00:22:07,879
Speaker 3: I don't want a man that's broke, because that's not

484
00:22:08,000 --> 00:22:11,200
Speaker 3: at all what it is. As a more masculine woman

485
00:22:11,560 --> 00:22:15,280
Speaker 3: in this dynamic with a feminine woman. I can understand

486
00:22:15,359 --> 00:22:17,840
Speaker 3: the pressures of that of feeling like I have to

487
00:22:17,840 --> 00:22:20,720
Speaker 3: pay for everything, So I get it. But I don't

488
00:22:20,760 --> 00:22:22,880
Speaker 3: think that's what you're saying. I think you're weeding out

489
00:22:22,920 --> 00:22:26,240
Speaker 3: people that don't respect women, and don't respect powerful women,

490
00:22:26,359 --> 00:22:29,760
Speaker 3: and don't like when women are independent and have their

491
00:22:29,760 --> 00:22:32,560
Speaker 3: own money and have this confidence. So keep doing what

492
00:22:32,600 --> 00:22:36,359
Speaker 3: you're doing. I trust your process. Basically, Yes, I feel like.

493
00:22:36,359 --> 00:22:39,359
Speaker 4: We may have interpreted this differently because I completely agree

494
00:22:39,400 --> 00:22:43,280
Speaker 4: with you on the gold Dealer comment. Unacceptable like unacceptable,

495
00:22:43,320 --> 00:22:46,119
Speaker 4: get the bin, never getting another day. I interpreted this

496
00:22:46,359 --> 00:22:51,040
Speaker 4: as our listener is not liking that people they're potentially

497
00:22:51,160 --> 00:22:53,639
Speaker 4: dating at keeping track of who's paid what, and so

498
00:22:53,800 --> 00:22:56,320
Speaker 4: like I'm imagining in my head like maybe the guy

499
00:22:56,400 --> 00:22:58,399
Speaker 4: paid for the first day and he's expecting her to

500
00:22:58,480 --> 00:23:00,800
Speaker 4: pay for the second date, you know, some kind of

501
00:23:00,880 --> 00:23:03,640
Speaker 4: back and forth like that, to which, like I say,

502
00:23:03,880 --> 00:23:06,720
Speaker 4: you are allowed to have your preferences, and you are allowed,

503
00:23:06,760 --> 00:23:08,760
Speaker 4: you know, if you want to date somebody who does

504
00:23:09,240 --> 00:23:13,560
Speaker 4: take on a more traditional financial ques, you're allowed. You're correct,

505
00:23:14,000 --> 00:23:16,280
Speaker 4: But I also don't think it is fair to apply

506
00:23:16,480 --> 00:23:19,639
Speaker 4: that as a standard, because if I'm honest. My personal

507
00:23:20,160 --> 00:23:25,679
Speaker 4: broad take on finances in relationships is to keep things

508
00:23:26,000 --> 00:23:29,440
Speaker 4: as equitable as possible and to keep things on some

509
00:23:29,680 --> 00:23:32,560
Speaker 4: level as separate as possible for as long as possible.

510
00:23:32,720 --> 00:23:35,720
Speaker 4: I think, Like, to me, I've been with my partner

511
00:23:35,840 --> 00:23:39,040
Speaker 4: for nearly a decade and we still don't share our

512
00:23:39,080 --> 00:23:41,119
Speaker 4: finances completely. It doesn't really make sense for us to,

513
00:23:41,280 --> 00:23:44,040
Speaker 4: like we split our rent, we split our bills, we

514
00:23:44,480 --> 00:23:46,399
Speaker 4: split out, we don't split our dates. But you're like

515
00:23:46,440 --> 00:23:48,080
Speaker 4: someone will pay for dinner. It kind of comes out

516
00:23:48,119 --> 00:23:49,800
Speaker 4: in the wash when you're together. But I mean, it's

517
00:23:49,800 --> 00:23:51,720
Speaker 4: also very different when you're in a long term relationship

518
00:23:51,760 --> 00:23:55,360
Speaker 4: where versus when you're like dating independently. But I think

519
00:23:55,480 --> 00:23:58,879
Speaker 4: that to me, it's very much just about what is

520
00:23:59,000 --> 00:24:02,399
Speaker 4: comfortable to you, but also acknowledging, like if there are

521
00:24:02,520 --> 00:24:04,440
Speaker 4: other people who go, well, if I pay for the

522
00:24:04,480 --> 00:24:06,639
Speaker 4: first date, I would prefer for you to pay for

523
00:24:06,720 --> 00:24:10,240
Speaker 4: the second date because that is what my preference is.

524
00:24:10,280 --> 00:24:11,240
Speaker 3: That's what I feel is fair.

525
00:24:11,320 --> 00:24:14,160
Speaker 4: That is also okay, Like there's no right and wrong there.

526
00:24:14,400 --> 00:24:16,560
Speaker 4: You're allowed to have your preference or whatever gives you

527
00:24:16,640 --> 00:24:19,400
Speaker 4: the ick. That's fine, But I don't necessarily think there's

528
00:24:19,400 --> 00:24:22,520
Speaker 4: a standardized rule, because everybody has their own relationship and

529
00:24:22,600 --> 00:24:24,920
Speaker 4: thoughts and feelings with money, and so for somebody, you

530
00:24:25,000 --> 00:24:26,640
Speaker 4: might go, oh, well, I don't know if I'm gonna

531
00:24:26,920 --> 00:24:29,320
Speaker 4: date you for a long time, Like we're figuring that out.

532
00:24:29,400 --> 00:24:30,240
Speaker 3: That's what dating is.

533
00:24:30,760 --> 00:24:32,520
Speaker 4: So if I pay for the first four dates and

534
00:24:32,560 --> 00:24:35,479
Speaker 4: then we never go out again, I can understand how

535
00:24:35,600 --> 00:24:37,800
Speaker 4: like on a male or a more masculine person, or

536
00:24:37,800 --> 00:24:40,879
Speaker 4: the person taking on that traditional role that is like

537
00:24:41,680 --> 00:24:44,800
Speaker 4: financially quite hard sometimes and like I can understand not

538
00:24:44,880 --> 00:24:46,639
Speaker 4: wanting to have that, So you know what I mean,

539
00:24:46,680 --> 00:24:48,480
Speaker 4: it's you can have your preferences and that's fine. But

540
00:24:48,880 --> 00:24:50,520
Speaker 4: I guess what I'm struggling to say is like it's

541
00:24:50,600 --> 00:24:52,560
Speaker 4: hard to apply a hard and fast rule.

542
00:24:52,600 --> 00:24:55,520
Speaker 2: I think, yeah, yeah, I think I would approach it.

543
00:24:55,640 --> 00:25:00,360
Speaker 2: And going back, my dating experience was when I was debt.

544
00:25:00,880 --> 00:25:03,280
Speaker 2: I was in personal debt and then guess what, I

545
00:25:03,520 --> 00:25:06,920
Speaker 2: met another person, Steven, fell in love with him. He

546
00:25:07,000 --> 00:25:09,040
Speaker 2: was also in personal debt, so we were both really

547
00:25:09,119 --> 00:25:13,399
Speaker 2: bad man together. But I always really liked irrespective of

548
00:25:13,480 --> 00:25:16,440
Speaker 2: what financial position I was in. I never liked a

549
00:25:16,560 --> 00:25:19,000
Speaker 2: man having an upper hand on me. I agree, and

550
00:25:19,200 --> 00:25:21,560
Speaker 2: like this is not personal advice. This is just how

551
00:25:21,640 --> 00:25:25,200
Speaker 2: I approached it. I never liked and still don't like

552
00:25:25,640 --> 00:25:29,000
Speaker 2: feeling like I owe someone something. So like, if you

553
00:25:29,119 --> 00:25:30,800
Speaker 2: and I go out for dinner, I get a little

554
00:25:30,800 --> 00:25:33,280
Speaker 2: bit uncomfortable if you want to pay for the whole bill, Like,

555
00:25:33,400 --> 00:25:35,159
Speaker 2: I really don't like that. In fact, I would say

556
00:25:35,160 --> 00:25:38,560
Speaker 2: I'm the first person to pay for it in its entirety,

557
00:25:38,600 --> 00:25:41,480
Speaker 2: because I'm like, no, that makes me feel comfortable. And

558
00:25:41,560 --> 00:25:43,720
Speaker 2: I mean, nowadays, I do that because I know I'm

559
00:25:43,760 --> 00:25:46,800
Speaker 2: in the financial position to do that, and that's really good.

560
00:25:46,960 --> 00:25:49,560
Speaker 2: But when I was dating, I just didn't want somebody

561
00:25:49,640 --> 00:25:51,119
Speaker 2: to have an upper hand on me. And I'm not

562
00:25:51,200 --> 00:25:52,640
Speaker 2: saying that that was a good thing because I would

563
00:25:52,680 --> 00:25:54,280
Speaker 2: have been in less debt had I let all of

564
00:25:54,320 --> 00:25:57,120
Speaker 2: the men that I dated pay for all of the dates. Yeah,

565
00:25:57,840 --> 00:26:01,200
Speaker 2: if you want to work that, I go, like, but

566
00:26:01,400 --> 00:26:04,000
Speaker 2: I just think you're not being too picky, you are

567
00:26:04,080 --> 00:26:07,560
Speaker 2: having boundaries. But comments about being a gold digger, like

568
00:26:07,760 --> 00:26:11,160
Speaker 2: it's showing that they're uncomfortable with money and they lack

569
00:26:11,240 --> 00:26:13,520
Speaker 2: a fair bit of respect. So like, to me, that's

570
00:26:13,520 --> 00:26:16,080
Speaker 2: a massive red flag. I agree, But when the bill

571
00:26:16,200 --> 00:26:18,920
Speaker 2: comes out, I think being direct is really nice, Like

572
00:26:19,000 --> 00:26:22,480
Speaker 2: we're not being unkind, but saying something like oh, hey,

573
00:26:22,600 --> 00:26:25,159
Speaker 2: I'm really happy to take turns like on this, like

574
00:26:25,240 --> 00:26:26,959
Speaker 2: if you know that you're dating someone for more than

575
00:26:26,960 --> 00:26:31,480
Speaker 2: one date, or just suggesting split it. Yeah, just suggesting

576
00:26:31,560 --> 00:26:33,879
Speaker 2: that splitting it, Like I'll go, oh, beck, like we

577
00:26:33,920 --> 00:26:36,520
Speaker 2: can totally split this. Let's have a look opens a

578
00:26:36,560 --> 00:26:38,600
Speaker 2: conversation about money, which I think is a really good

579
00:26:38,880 --> 00:26:41,840
Speaker 2: temperature check on that other person as well, because like

580
00:26:42,359 --> 00:26:45,159
Speaker 2: it's very reasonable to split the bill. Yeah, so what

581
00:26:45,280 --> 00:26:47,320
Speaker 2: are they going to say, No, Jess, you should pay

582
00:26:47,359 --> 00:26:49,640
Speaker 2: for the whole thing on your own. That's not where

583
00:26:49,720 --> 00:26:52,040
Speaker 2: that conversation is going to go. They might go, just

584
00:26:52,119 --> 00:26:54,399
Speaker 2: don't worry about it, I'll get it this time, and

585
00:26:54,440 --> 00:26:56,800
Speaker 2: you go, okay, thank you so much. And like I

586
00:26:56,920 --> 00:26:59,120
Speaker 2: do feel like we shouldn't get in fights in these

587
00:26:59,160 --> 00:27:01,760
Speaker 2: situations like no, no, no, no, we'll split I'll do it,

588
00:27:02,040 --> 00:27:05,760
Speaker 2: like just graciously accept great, like, thank you so much.

589
00:27:05,880 --> 00:27:08,520
Speaker 2: That's very kind of thing I'll get I'll get next.

590
00:27:09,080 --> 00:27:11,639
Speaker 2: But I think that starting the conversation with splitting it

591
00:27:11,920 --> 00:27:13,960
Speaker 2: gives them the opportunity if they want to be a

592
00:27:14,000 --> 00:27:16,280
Speaker 2: bit more traditional or you're feeling like they want to

593
00:27:16,280 --> 00:27:19,480
Speaker 2: be a bit more traditional, but like the silence when

594
00:27:19,560 --> 00:27:20,440
Speaker 2: Bill comes.

595
00:27:20,320 --> 00:27:24,879
Speaker 3: Is awkward, cringing, just thinking about uncomfortable.

596
00:27:25,200 --> 00:27:26,919
Speaker 2: Just be ahead of the game. Just go hey, I'm

597
00:27:26,960 --> 00:27:28,480
Speaker 2: really happy to split it, or I can get it

598
00:27:28,560 --> 00:27:30,119
Speaker 2: this time and you can get next time if you

599
00:27:30,160 --> 00:27:31,840
Speaker 2: think there's going to be a next time. But I

600
00:27:31,920 --> 00:27:33,960
Speaker 2: would always just default to, hey, I'm really happy to

601
00:27:34,000 --> 00:27:35,840
Speaker 2: split it. How would you like to split it? Yeah,

602
00:27:36,000 --> 00:27:38,600
Speaker 2: because it might be different, Like there's just so many

603
00:27:38,640 --> 00:27:40,680
Speaker 2: semantics here, right, because like I don't know, did you

604
00:27:40,760 --> 00:27:42,720
Speaker 2: drink a whole bottle of wine Jess and I had none?

605
00:27:42,800 --> 00:27:47,480
Speaker 2: And like what does that look like? Totally so we're reasonable,

606
00:27:47,520 --> 00:27:50,000
Speaker 2: I think just operating on it, Hey, let's split it

607
00:27:50,040 --> 00:27:51,760
Speaker 2: and then we split it fifty to fifty, even if

608
00:27:51,800 --> 00:27:54,600
Speaker 2: it's not a perfect out the wash situation, but if

609
00:27:54,640 --> 00:27:58,200
Speaker 2: it's actually completely unequitable, then maybe we go, oh, let's

610
00:27:58,240 --> 00:27:59,879
Speaker 2: just split it up and pay for our parts.

611
00:28:00,080 --> 00:28:02,680
Speaker 4: Yeah, And if you are expecting someone to pay for

612
00:28:02,880 --> 00:28:05,000
Speaker 4: you in that more traditional sense, I would almost try

613
00:28:05,000 --> 00:28:09,120
Speaker 4: to find a way to like flirtatiously maybe like preempt

614
00:28:09,200 --> 00:28:11,320
Speaker 4: that when you're chatting about like all night, like where

615
00:28:11,320 --> 00:28:12,000
Speaker 4: are you going to take me?

616
00:28:12,080 --> 00:28:14,000
Speaker 3: To dinner or like some way to kind of like

617
00:28:14,480 --> 00:28:15,439
Speaker 3: prem late that.

618
00:28:15,560 --> 00:28:18,440
Speaker 2: Expectation to be taken out on a date, not you

619
00:28:18,520 --> 00:28:20,040
Speaker 2: are going on a date to get that.

620
00:28:20,359 --> 00:28:22,280
Speaker 4: Yeah, because I just think like in this day and age,

621
00:28:22,359 --> 00:28:24,840
Speaker 4: like I think it's super reasonable to expect to split

622
00:28:24,880 --> 00:28:27,040
Speaker 4: the bill. Like I would not be chocked at all

623
00:28:27,040 --> 00:28:28,840
Speaker 4: if someone expected that of me. And so if that's

624
00:28:28,920 --> 00:28:31,520
Speaker 4: not the expectation that you want to set, I feel

625
00:28:31,520 --> 00:28:33,359
Speaker 4: like the fair thing to do is like give them

626
00:28:33,400 --> 00:28:34,119
Speaker 4: a heads up, you know.

627
00:28:34,520 --> 00:28:36,440
Speaker 2: We asked the community as well. So first thing I

628
00:28:36,520 --> 00:28:39,080
Speaker 2: asked was what would you do if you our community member.

629
00:28:39,240 --> 00:28:41,320
Speaker 2: Sixty nine percent of you said, I'd just trust my gut,

630
00:28:41,400 --> 00:28:43,560
Speaker 2: which I think is the best thing to do. Twenty

631
00:28:43,600 --> 00:28:45,680
Speaker 2: four percent of you said I'd be honest about your

632
00:28:45,720 --> 00:28:48,920
Speaker 2: money values upfront, six percent said wait until it's serious

633
00:28:49,000 --> 00:28:51,240
Speaker 2: to worry about it, and then one percent said I'd

634
00:28:51,280 --> 00:28:53,840
Speaker 2: try not to be too picky. We then said who

635
00:28:53,920 --> 00:28:56,360
Speaker 2: do you think should pay when it comes to early dating?

636
00:28:56,920 --> 00:29:00,440
Speaker 2: Thirty one percent of you said fifty to fifty twenty

637
00:29:00,720 --> 00:29:04,320
Speaker 2: six percent and I didn't think of this the person

638
00:29:04,400 --> 00:29:08,080
Speaker 2: who asks for the date. I do quite like that, yep.

639
00:29:08,480 --> 00:29:11,760
Speaker 2: Twenty six percent again said take turns, and seventeen percent

640
00:29:11,840 --> 00:29:14,280
Speaker 2: said pay for what you ordered, which I think is

641
00:29:14,320 --> 00:29:17,520
Speaker 2: absolutely fine, but like I hadn't really thought about though, well,

642
00:29:17,760 --> 00:29:19,160
Speaker 2: if I go, hey, Jess, do you want to go

643
00:29:19,240 --> 00:29:21,320
Speaker 2: out for dinner with me? Then that's on me.

644
00:29:21,800 --> 00:29:24,560
Speaker 4: Yeah, yeah, And they're like, I'd love to take you

645
00:29:24,640 --> 00:29:26,800
Speaker 4: to dinner, Like it's I mean, I love you confident,

646
00:29:26,920 --> 00:29:29,880
Speaker 4: you know, But to me that kind of sets that tone.

647
00:29:30,080 --> 00:29:32,280
Speaker 2: Yeah, oh you agree. And I think that's where everyone's

648
00:29:32,320 --> 00:29:34,920
Speaker 2: just going to be different about their like dating preferences,

649
00:29:34,960 --> 00:29:38,400
Speaker 2: and you're allowed to have dating preference. So we then

650
00:29:38,440 --> 00:29:40,560
Speaker 2: asked the community for their two cents. First one said

651
00:29:40,880 --> 00:29:43,120
Speaker 2: dating's hard, but so is a relationship where you're not

652
00:29:43,200 --> 00:29:45,760
Speaker 2: on the same page. Save yourself the heartbreak and the time.

653
00:29:46,480 --> 00:29:48,600
Speaker 2: The next person said, the right person won't make you

654
00:29:48,640 --> 00:29:51,480
Speaker 2: feel bad or uncomfortable about your thoughts and beliefs around money.

655
00:29:52,120 --> 00:29:54,479
Speaker 2: Another person said fifty to fifty if you're unsure if

656
00:29:54,520 --> 00:29:57,400
Speaker 2: you're going to go on a second date, take turns.

657
00:29:57,880 --> 00:30:00,080
Speaker 2: If so and one pace for dinner, and maybe you

658
00:30:00,160 --> 00:30:02,720
Speaker 2: go somewhere else and you pay for dessert. Another person

659
00:30:02,800 --> 00:30:05,880
Speaker 2: says it's better to be on your own than with

660
00:30:06,120 --> 00:30:11,600
Speaker 2: a gross man child. Oh so true. Amen. Next person said,

661
00:30:11,800 --> 00:30:15,920
Speaker 2: rules about who pays vary by situations and also culturally,

662
00:30:16,320 --> 00:30:17,600
Speaker 2: so maybe ask about it.

663
00:30:17,920 --> 00:30:18,960
Speaker 3: Yeah, that's a great get.

664
00:30:19,120 --> 00:30:21,400
Speaker 2: Another person said, in my honest opinion, going fifty to

665
00:30:21,400 --> 00:30:24,040
Speaker 2: fifty sets you up for an equal partnership later. And

666
00:30:24,120 --> 00:30:26,400
Speaker 2: the last one I'm going to share is the person

667
00:30:26,480 --> 00:30:29,720
Speaker 2: you end up with ultimately decides your financial freedom or

668
00:30:29,760 --> 00:30:37,680
Speaker 2: your financial stress. Wow, I'll just leave it there anyway,

669
00:30:37,880 --> 00:30:39,960
Speaker 2: it has been a very good show. Thanks for hanging

670
00:30:40,000 --> 00:30:41,800
Speaker 2: out with me. Now, guess what we're going to go do,

671
00:30:42,160 --> 00:30:47,240
Speaker 2: get grilled, and then probably messina. Let's do it. Have

672
00:30:47,400 --> 00:30:49,160
Speaker 2: a good weekend, guys, and we'll see you right early

673
00:30:49,240 --> 00:30:52,040
Speaker 2: on Monday morning for a money Darry, Bye bye bye.

674
00:31:02,720 --> 00:31:04,880
Speaker 5: Do you buy shared on She's on the Money is

675
00:31:05,000 --> 00:31:08,560
Speaker 5: general in nature and does not consider your individual circumstances.

676
00:31:08,960 --> 00:31:12,320
Speaker 5: She's on the Money exists purely for educational purposes and

677
00:31:12,400 --> 00:31:14,800
Speaker 5: should not be relied upon to make an investment or

678
00:31:14,920 --> 00:31:15,920
Speaker 5: financial decision.

679
00:31:16,320 --> 00:31:18,840
Speaker 2: If you do choose to buy a financial product.

680
00:31:18,600 --> 00:31:22,040
Speaker 5: Read the PDS TMD and obtain appropriate financial.

681
00:31:21,720 --> 00:31:23,440
Speaker 2: Advice tailored towards your needs.

682
00:31:23,880 --> 00:31:27,760
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

683
00:31:27,840 --> 00:31:31,520
Speaker 5: of Money Sheper pty Ltd a BN three two one

684
00:31:31,760 --> 00:31:35,640
Speaker 5: six four nine two seven seven zero eight AFSL four

685
00:31:35,720 --> 00:31:37,160
Speaker 5: five one two eight nine