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

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

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Speaker 1: kaka ya Ya beIN ah Waka Nian our gay In Mbina,

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Speaker 1: yakarum jar Dominyama, Domaga Ithawakaman, damon Imlan bomber bang Gadabomba

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Speaker 1: in and now in wakah ghana on yak rum jar Watnadaa. Hello,

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

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

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

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

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

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Speaker 1: knowledge and resources for you to thrive.

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Speaker 2: She's on the Money.

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Speaker 3: She's on the Money.

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Speaker 4: Hello and welcome to She's on the Money, the podcast

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Speaker 4: that leeds v Pervy on other people's money habits for

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Speaker 4: educational purposes. Of course, we are back to one of

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Speaker 4: our money Dary episodes where I get the absolute privilege

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Speaker 4: of talking to one of our beautiful community members all

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Speaker 4: about their journey. Let's jump straight into it because this

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Speaker 4: week I got a message and it sounded exactly like

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Speaker 4: this dar, she's on the money. At thirty nine, I've

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Speaker 4: lived about three different financial lives. I married my ex

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Speaker 4: not knowing he had forty thousand dollars of secret debt,

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Speaker 4: then worked two jobs to pay it off, only for

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Speaker 4: him to divorce me. I bounced back, bought my own

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Speaker 4: house solo. Then I met my now husband and his

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Speaker 4: two gorgeous kids, sold my place, and together we bought

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Speaker 4: our dream family home after eloping in Iceland. Money Diarist

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Speaker 4: their second I read your bio. I was like, get

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Speaker 4: on the show, getting so much. That's like a special

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Speaker 4: type of chaos, but also just like so cool. But

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Speaker 4: also your first husband took advantage, Like what the heck?

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Speaker 2: Yeah, my current husband and I have a just a

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Speaker 2: small joke because he's also been married before. But our

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Speaker 2: small joke is and it's just between us. It's not

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Speaker 2: for everyone, but we just say, we just say that

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Speaker 2: first marriages are like pancakes. It's okay to throw the

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Speaker 2: first one away.

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Speaker 4: Yeah, that's fair. My mom's been divorced and then married

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Speaker 4: my dad, and she said that it's always important to

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Speaker 4: have a trial wedding. Yeah's a trial marriage because by

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Speaker 4: the second one she's like, you've really got it down.

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Speaker 4: The one thing my mom said that she did wrong though,

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Speaker 4: and again this is probably not for everybody, she said,

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Speaker 4: I should have married for money the first time in

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Speaker 4: love the second time, but she messed up and married

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Speaker 4: for love both times. Yeah, And I was like, yeah, mum, yeah,

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Speaker 4: you really messed that up because I could have been

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Speaker 4: born into generational wealth, but I wasn't. Was I.

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Speaker 2: Oh, I mean, yeah, that's a wish we all have,

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Speaker 2: isn't it.

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Speaker 4: Yeah, So like they're like pancakes, you can throw it away,

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Speaker 4: that's fine. And I like that you refer to your

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Speaker 4: husband as your current husband.

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Speaker 2: Oh that's also another joke.

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Speaker 4: Yeah, yeah, that's what I call my husband because it

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Speaker 4: just keeps him humble, keeps him on his toes. Like

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Speaker 4: I have not been married multiple times. I've been married once,

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Speaker 4: but you are currently my husband, like my current husband.

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Speaker 4: I could get another one, like just watch out, Like, oh.

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Speaker 2: Look, if I do go for husband number three, it's

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Speaker 2: going to be for money. But I'm not getting rid

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Speaker 2: of this one. This one's a good one, do you

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Speaker 2: know what?

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Speaker 4: Sorry TikTok the other day and it was this advice

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Speaker 4: from this old woman. I'm pretty sure it was AI,

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Speaker 4: but I don't care. And she said, don't marry for love,

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Speaker 4: marry for money because when the love drives up, at

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Speaker 4: least you'll be happy. And I was like, do you

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Speaker 4: know what marriage advice from AI is perfect?

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Speaker 2: Any advice from AI is not to be trusted.

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Speaker 4: Though we know that, Oh we know that, but do

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Speaker 4: you know what those things? I feel like you and

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Speaker 4: I might have a very similar sense of humor, and

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Speaker 4: I like that. But before we go any further, I

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Speaker 4: have to ask you, Money direst, what grade would you

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Speaker 4: give your money habits if I to give them a

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Speaker 4: grade from A through to F.

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Speaker 2: I think comfortably today, I want to give myself a B. Okay,

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Speaker 2: I think I've taken some really good steps to compared

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Speaker 2: to you know, marrying a man with debt and getting divorced. Like,

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Speaker 2: I think I've taken some really good steps in my girl,

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Speaker 2: you definitely have my past. Yeah, so I'm confident with

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Speaker 2: a grade B today. No.

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Speaker 4: I like that and I want to learn more about it.

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Speaker 4: But it sounds like you've had an epic bounce back,

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Speaker 4: like be so real. You went from your ex husband

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Speaker 4: divorcing you because you worked too, Not because you did,

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Speaker 4: but you worked two jobs, paid off this guy's debt,

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Speaker 4: then got ditched for it one out of ten and

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Speaker 4: then sorry, did you just get instant family? You went,

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Speaker 4: you got a husband, he had two kids. You've gone

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Speaker 4: and got married in Iceland. You have a beautiful dream

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Speaker 4: home together. I'm sorry you upgraded. That's a good deal.

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Speaker 2: Definitely upgraded. Definitely definitely upgraded. Yeah, it was actually insane.

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Speaker 2: We got married and we all married for about a year,

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Speaker 2: and that's when I then found out the forty thousand

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Speaker 2: dollars worth of debt.

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Speaker 4: Oh my god, how do you hide that from your

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Speaker 4: literal wife?

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Speaker 2: Oh? I don't know. And you know, maybe I want

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Speaker 2: to say I was young and naive, but I was

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Speaker 2: thirty two, so I wasn't that young.

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Speaker 4: No, you were still young. I'm sorry, so still young.

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Speaker 4: You're just a baby.

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Speaker 2: Maybe it should have been a red flag, but at

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Speaker 2: the time, I was like, no, Okay, we can deal

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Speaker 2: with this, or.

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Speaker 4: We can justify anything to ourselves, like and I think

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Speaker 4: that that's like a superpower and also our biggest downfall.

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Speaker 4: But like we as human beings want to see the

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Speaker 4: best in other people, like we want to so like,

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Speaker 4: I'm sorry, you're already married to this bloke, Like of

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Speaker 4: course you would have justified it and been like, oh,

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Speaker 4: you know what, he might have been really embarrassed by it.

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Speaker 4: He didn't want to tell me, Like we will come

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Speaker 4: up with every excuse under the sun. And while it's

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Speaker 4: not acceptable, I think it's also just so relatable. There

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Speaker 4: are going to be people listening to this that are like, oh,

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Speaker 4: I shouldn't accept that, and it's like, well no, but

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Speaker 4: also I get why you did.

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Speaker 2: Yeah, I guess that. I never want to compare husbands,

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Speaker 2: but I guess the difference is that my current husband

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Speaker 2: and I can have mature, comfortable financial conversations, whereas my

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Speaker 2: ex husband, even after this, you know, revealing of the

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Speaker 2: forty thousand dollars worth of debt, he still just never

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Speaker 2: wanted to talk and take that appropriate steps. And so

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Speaker 2: it wasn't the forty thousand dollars worth of debt that

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Speaker 2: should have been the red flag. It was the inability

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Speaker 2: to have a mature conversation. I think that's where I

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Speaker 2: overlooked the red flag.

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Speaker 4: Yeah, one hundred percent. And you know what, sometimes red

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Speaker 4: flags look like a carnival, and do you know what?

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Speaker 4: Women love carnivals?

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Speaker 2: So stop.

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Speaker 4: I just feel like I don't feel bad, But at

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Speaker 4: the same time, I'm like, no, like I get it.

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Speaker 4: So many of us, especially in retrospect, we go we

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Speaker 4: didn't see the red flags, and like then we feel

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Speaker 4: really silly for not having seen them, but like we're

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Speaker 4: so good at contextualizing things and justifying things, and like,

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Speaker 4: you know, not leaving a relationship where maybe we should

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Speaker 4: have because we're like no, surely, like I can see

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Speaker 4: the best in people, or surely I can? Do you

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Speaker 4: know more than that? So money diarist, I want to know.

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Speaker 4: Tell me a bit more about your money story, Like

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Speaker 4: where did it start.

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Speaker 2: I grew up in a family. There were six of us,

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Speaker 2: four kids, a mom and dad. I got my first

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Speaker 2: job when I was thirteen.

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Speaker 4: Very cool, very illegal.

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Speaker 2: I love it, sweeping the floors of a hairdressing salon

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Speaker 2: and making cups of tea.

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Speaker 4: Do you know what I would have loved that job

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Speaker 4: at thirteen.

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Speaker 2: Oh, it was amazing.

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Speaker 4: That would have been so good.

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Speaker 2: I got five dollars an hour and I worked from

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Speaker 2: nine till one on a Saturday, and I thought I

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Speaker 2: was just raking in the money you were.

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Speaker 4: I was a thirteen year old.

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Speaker 2: I have blonde hair, and I have for my whole life,

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Speaker 2: but I never had to pay to have my hair blonde,

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Speaker 2: so that was also a very added bonus.

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Speaker 4: That's a very good deal.

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Speaker 2: So all your blonde is out there, try and get

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Speaker 2: a side job at a hairdressing salon.

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Speaker 4: Yeah, because you'll also be the model.

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Speaker 2: Yes, I think so. And from there, I just always

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Speaker 2: seemed to have two, sometimes three part time jobs while

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Speaker 2: I was at school and university, and then I just

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Speaker 2: sort of got into the mentality of it's like if

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Speaker 2: I work with job number one to live, and then

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Speaker 2: job number two that's my savings.

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Speaker 4: I like this.

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Speaker 2: I don't know where that mentality came from, but it

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Speaker 2: came from somewhere. That was amazing because then in my twenties,

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Speaker 2: my girlfriends and I just spent our whole twenties traveling.

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Speaker 2: But I always had a travel fun because I had

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Speaker 2: that second job.

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Speaker 4: That's actually iconic, and I feel like that work ethic

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Speaker 4: is actually relatively rare. So like, if we look back

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Speaker 4: a bit further, like getting your first job at thirteen, yeah,

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Speaker 4: you thought you were a baller, but like why were

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Speaker 4: you looking for employment at thirteen?

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Speaker 2: I think I just probably wanted to honestly by myself

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Speaker 2: at Billabong t shirt.

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Speaker 4: Yeah that's pretty sick. I really wanted the roxy pencil, okay,

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Speaker 4: like the wet suit one with the dolphin.

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Speaker 2: Yeah, of course, of course, I think that's probably it.

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Speaker 2: And I think my mom was like, Okay, well, why

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Speaker 2: don't you try and get a babysitting job? And then

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Speaker 2: I asked one mum of one of my brother's friends,

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Speaker 2: and she was like, I don't need a babysitter, bot,

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Speaker 2: I need someone to come sweep my salon. And then bang,

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Speaker 2: I had a job.

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Speaker 4: But she's been willing and dealing since thirteen. I love it,

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Speaker 4: or sweeping and teaing, like I don't know how to

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Speaker 4: make that fit, but I like it. So you got

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Speaker 4: this first job at thirteen, and I think I'm just

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Speaker 4: like a little bit enamored, like in a good way,

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Speaker 4: with this like mindset, because then you were like, Okay, cool,

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Speaker 4: I'm always going to have like two jobs and I'm

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Speaker 4: going to work really hard. Is that something that's been

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Speaker 4: role modeled to you or was that just like a

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Speaker 4: I got my first job, I saw that I could

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Speaker 4: buy the bill of Bong t shirts. I really liked

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Speaker 4: the fact that I had that level of financial freedom

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Speaker 4: and wanted to keep it or like, well where do

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Speaker 4: you get that from? Because so many people they'll get

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Speaker 4: their first job and they'll be like, oh, this is

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Speaker 4: such a slog like oh I have to work ra rah,

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Speaker 4: but like your mentality feels different.

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Speaker 2: Yeah, I wish that I had a click cut answer

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Speaker 2: for you on that one. So I got the hairdressing

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Speaker 2: job at thirteen, and then the second I turned fifteen,

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Speaker 2: I got a job at KFC.

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Speaker 4: And wait, so free hair and chicken. Yes, this is

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Speaker 4: a good.

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Speaker 2: Yeah, free air and free nuggets. And then it just

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Speaker 2: kind of clicked like, oh, I didn't actually have to

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Speaker 2: quit the hairdressing job. I can just work both of them.

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Speaker 2: I think during that time, like my parents got divorced

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Speaker 2: and like my mum had left our family unit and

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Speaker 2: it was just me and my brothers and my dad,

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Speaker 2: and I think I kind of just saw that if

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Speaker 2: I wanted to, you know, buy a car in the

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Speaker 2: next year or so, because I would have been old

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Speaker 2: enough to get my license, like I just had to

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Speaker 2: keep working to be able to buy it. Because I couldn't.

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Speaker 2: I couldn't ask my dad to do that for me.

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Speaker 2: So yeah, and I think I was surrounded. It sounds

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Speaker 2: so silly, doesn't it. I was surrounded at KFC by

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Speaker 2: other hard working females and we were all just hard

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Speaker 2: working together. And also it almost became a social gathering

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Speaker 2: that you wanted to go to work.

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Speaker 4: Yeah, yeah, I get that totally. That was me and

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Speaker 4: my jobs. Like I feel like I went there obviously

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Speaker 4: to work, but also I just loved the social aspect

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Speaker 4: of it.

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Speaker 2: Well twenty five years later and some of those girls

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Speaker 2: have been at both my weddings. Oh I love that.

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Speaker 4: Yeah, yeah, I love that so much. And do you

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Speaker 4: know what, I actually think a lot of people are

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Speaker 4: I don't know. Whenever I have people on the show

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Speaker 4: and they're like, oh, I worked at McDonald's or I

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Speaker 4: worked at KFC, there seems to be this like hesitation

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Speaker 4: before you tell me, because you're like, oh, I worked

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Speaker 4: at macis or oh I worked at KC. Sorry. I

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Speaker 4: genuinely think that fast food is one of the best

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Speaker 4: jobs a young person can get because not only is

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Speaker 4: the pay reasonable like for your age, there's all these

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Speaker 4: social aspects, but most of these bigger fast food chains

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Speaker 4: have fantastic leadership programs, fantastic training. They fully engage you

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Speaker 4: in the process. It's not like, you know, at your

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Speaker 4: hairdressing job, which I'm sure was lots of fun as well,

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Speaker 4: you kind of just had your small tasks. It wasn't

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Speaker 4: really about the bigger picture. There wasn't like a line

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Speaker 4: of progression of like, okay, cool, you could move up

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Speaker 4: this career line, or you could do this training, whereas

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Speaker 4: like KC McDonald's and stuff like that, they provide that.

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Speaker 4: The amount of people that I have hired into my business,

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Speaker 4: who I go, Oh, it makes sense you had that training.

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Speaker 4: Like even my husband worked in fast food for more

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Speaker 4: than ten years while he was at UNI and whatnot.

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Speaker 4: I'm like, do you know how good he is at

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Speaker 4: like systems and processes and all of that stuff purely

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Speaker 4: because of his training through Hungry Jacks. By the way, Oh, lovely,

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Speaker 4: do you love Hungry Jacks? Same a whopper HiT's different.

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Speaker 4: It's really underrated.

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Speaker 2: Oh I love Hungry Jacks. It's my favorite. If you

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Speaker 2: can survive, I'll say KFC. If you can survive working

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Speaker 2: at KFC on Mother's Day.

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Speaker 4: Oh, you can do anything.

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Speaker 2: A New Year's Day, you can survive anything. They were

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Speaker 2: the two craziest days of the year. And if you

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Speaker 2: can survive a ship there, like you are set for

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Speaker 2: life with stress management.

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Speaker 4: New Year's Day, I fully got Mother's Day? Is that

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Speaker 4: like a big fast food day?

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Speaker 2: Well? What I am talking? I worked there like in

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Speaker 2: the two thousand to two thousand and five, so we're

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Speaker 2: talking a long time ago. I don't know if people

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Speaker 2: still take their mums to KFC Mother's Day, but it

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Speaker 2: was extremely extremely popular. Never for Father's Day, always for

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Speaker 2: Mother's Day.

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Speaker 4: Okay, I see what's going on there. And we don't

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Speaker 4: even need to have a gendered conversation right now. Yeah,

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Speaker 4: that's okay. So money Doris, moving on from that? No, no, no, perfect,

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Speaker 4: but like I would go on a full gender pay

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Speaker 4: gap brand and you just don't need that from me

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Speaker 4: right now, because right now I want to know what

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Speaker 4: do you do for work and how much money do

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Speaker 4: you earn?

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Speaker 2: I work as a midwife in the New South Wales public.

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Speaker 4: I knew it. We were speaking beforehand and I was like,

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Speaker 4: this woman is too kind, Like she's so nice. I

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Speaker 4: can hear in her voice she's got a lot of empathy.

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Speaker 4: You said you were working night shift and I said,

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Speaker 4: you can tell me about that later, like, don't spoil

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Speaker 4: it for me, and I was like, I reckon, she

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Speaker 4: works with babies. I am a champion.

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Speaker 2: I do. I work as a midwife. Yeah. For New

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Speaker 2: South Wales Health. The way we get paid is in

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Speaker 2: years since you've graduated university. So I'm currently in my

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Speaker 2: eighth year and that is the highest. What do we

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Speaker 2: earn per day, per week, per year. It's going to

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Speaker 2: change depending on what shifts you do, so that's a

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Speaker 2: little difficult to pinpoint the exact amount.

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Speaker 4: Yeah, that's rough. Do you have like a base salary

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Speaker 4: and then over time or how does that work?

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Speaker 2: Well? I can just say what I earned in the

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Speaker 2: last financial year was one hundred and thirty thousand.

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Speaker 4: Oh, very nice.

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Speaker 2: That will pick up over time regularly, so I might

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Speaker 2: do anywhere between twelve to sixteen hours of overtime a

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Speaker 2: full night extra.

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Speaker 4: I love that so much. And I just know that

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Speaker 4: you're one of the favorite people on your unit, aren't you,

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Speaker 4: because you said beforehand off air that you had made

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Speaker 4: your team like a little sweet treat to take to

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Speaker 4: work because they have to get through night shift. And

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Speaker 4: I was like this woman, this woman would win me

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Speaker 4: over immediately.

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Speaker 2: Oh that's so kind. There are extra big smiles when

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Speaker 2: you walk in holding a baking tray or a tupperwork container.

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Speaker 4: We are not mad. In fact, do you want to

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Speaker 4: come work at Shee's on the money, no overtime required.

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Speaker 4: Tell me what's it like working as a midwife. Was

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Speaker 4: that always your dream? Was that something that you were like,

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Speaker 4: I really want to be your midwife one day? Or

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Speaker 4: is it something you went into nursing and then like

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Speaker 4: fell into it. Like I love to know people's journey,

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Speaker 4: especially in like the healthcare space.

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Speaker 2: I was twenty nine and working in an office and

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Speaker 2: just really thinking what am I doing? I'm just sitting

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Speaker 2: behind a computer, and I flipped a coin to I

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Speaker 2: knew I wanted to work with people and on my feet,

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Speaker 2: And I flipped a coin to either go into teaching

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Speaker 2: or nursing, and it landed on nursing. So I started

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Speaker 2: my degree and that was wonderful, And I.

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Speaker 4: Love that, You're like, my entire career was based on

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Speaker 4: the flip of a coin and I love it. But

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Speaker 4: it worked.

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Speaker 2: And then I just accidentally did a shift on a

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Speaker 2: maternity ward one day and went, wow, I could see

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Speaker 2: myself working here. So then I went back to university

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Speaker 2: and became a midwife and it's so amazing.

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Speaker 4: Tell me, what is it about being a midwife that

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Speaker 4: you're like, I love this so much? Because I feel

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Speaker 4: like I don't ask people enough about why they love

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Speaker 4: their career as opposed to like, what do you wear? Okay, great,

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Speaker 4: no worries, move on, Like what about being a midwife

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Speaker 4: is so special?

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Speaker 2: It's just being they're at the most exciting point of

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Speaker 2: their life and being able to help them. And I

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Speaker 2: do love a chit chat. So my shifts are twelve

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Speaker 2: and a half hours long, and.

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Speaker 4: So if I'm oh, geez, the plus site is that.

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Speaker 2: Only work three days a week, so that's fantastic. But yeah,

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Speaker 2: twelve and a half hours with the same woman and

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Speaker 2: her partner or a family and you get to know

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Speaker 2: them and you've become best friends, and then you deliver

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Speaker 2: their baby and then it's all just like happy smiles

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Speaker 2: and it's fantastic.

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Speaker 4: That makes sense. Like I was in love with made

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Speaker 4: weird wife to the point where I was in labor

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Speaker 4: for like more than twenty four hours and spoiler, it

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Speaker 4: ended in an emergency cesarian. But when there was a

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Speaker 4: shift change, I cried because my midwife had to leave

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Speaker 4: and I was like, but I really like you, and

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Speaker 4: she was like, girl, like you're gonna love the next girl,

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Speaker 4: like we're all the same, Like it's all good. Like

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Speaker 4: I really like her too, and I was like, it's

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Speaker 4: not the point.

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Speaker 2: No, they do like can you just stay? And I'm like,

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Speaker 2: oh what, I've been here twelve and a half hours.

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Speaker 2: I can't. I can't, but I'll come see you tomorrow.

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Speaker 2: So yeah, well she did, she did.

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Speaker 4: Yeah, we all do see you guys are special.

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Speaker 2: We all fall in love with you, guys like we

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Speaker 2: want to come see you, We want to come see baby.

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Speaker 2: We want to tell you how proud we are of

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Speaker 2: you and how much of a good job you did.

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Speaker 2: No matter what the end outcome was like, yeah, it's fantastic.

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Speaker 4: I love it. No, I loved my midwife and I

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Speaker 4: loved my second midwife. I didn't love the emergency cesarean,

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Speaker 4: but it was like clearly for the best, but like

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Speaker 4: a journey that you literally need support on, like a

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Speaker 4: good midwife changes the trajectory of that entire journey. I promise. Oh,

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Speaker 4: it's so nice to hear, So talk to me. What

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Speaker 4: are your big goals? What are you currently working towards.

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Speaker 2: Well, I would say that my big goal has been achieved.

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Speaker 2: As of five weeks ago, my husband and I bought.

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Speaker 4: Your dream family huh.

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Speaker 2: Your dream family home. Yes, so I guess my current

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Speaker 2: money goal is to get our mortgage under a million,

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Speaker 2: which is those numbers are disgusting, but that is my

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Speaker 2: current big financial goal.

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Speaker 4: So let's rewind a little bit because I want to

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Speaker 4: know about the dream home, but I also want to

402
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Speaker 4: know about the lead up to it. So you met

403
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Speaker 4: your now husband and his true gorgeous cait, it's how

404
00:18:01,119 --> 00:18:02,359
Speaker 4: how did you meet your husband?

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Speaker 2: Well, I mean technically on Instagram technically, but he and

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Speaker 2: I had met in the year nineteen ninety six when

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Speaker 2: he started at my primary school.

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Speaker 4: Stop her, that is so cute.

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Speaker 2: Yeah, so nineteen ninety six and then we were friends

410
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Speaker 2: and technology just did not exist the way it does now,

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Speaker 2: so you know, we became teenagers and went and lived

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Speaker 2: our separate lives. And then yeah, he popped up on

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Speaker 2: Instagram as someone you may know and I was like, yeah,

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Speaker 2: I know that boy, and we started chatting and then

415
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Speaker 2: we started hanging out and then we fell in love

416
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Speaker 2: and then I moved in like five weeks later, and

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Speaker 2: then here we are when you know, you know, yeah,

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Speaker 2: it's good. It's so good. He's so lovely.

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Speaker 4: I am obsessed with that. My little sister is actually

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Speaker 4: married to a guy she went to prep with. And

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Speaker 4: I remember she was like, my sister's not going to

422
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Speaker 4: like that. I'm sharing this, So I don't really care either,

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Speaker 4: because I think it's a really cute story. But like,

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Speaker 4: she hadn't told my parents who she was dating, like

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Speaker 4: for a while, and then when she finally told my parents,

426
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Speaker 4: she was like, oh, yeah, his name's Sean Rayerra Mom

427
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Speaker 4: was like, oh, I know Sean and got out of

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Speaker 4: prep photos and they're sitting side by side. It's so cute.

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Speaker 2: Yeah, it's great.

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Speaker 4: That is the sweetest thing ever. The universe hooked you

431
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Speaker 4: guys up early. I was like, oh, wrong timing. We'll

432
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Speaker 4: come back to this. So how do you elope to Iceland?

433
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Speaker 4: How does that happen? What's the connection? Because like that

434
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Speaker 4: sounds so exciting but also so random.

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Speaker 2: Yeah, we got engaged and then we started chit chatting

436
00:19:30,680 --> 00:19:33,639
Speaker 2: about like actually getting married, and we wanted to marry

437
00:19:33,640 --> 00:19:37,679
Speaker 2: each other. But you know wedding prices in Australia in

438
00:19:37,760 --> 00:19:39,600
Speaker 2: the twenty twenty four just.

439
00:19:39,680 --> 00:19:42,520
Speaker 4: Why And also you've done it before as well, so

440
00:19:42,600 --> 00:19:44,760
Speaker 4: it's probably and I don't mean this in a bad way.

441
00:19:44,800 --> 00:19:46,679
Speaker 4: You definitely want to be married to that person, but

442
00:19:46,680 --> 00:19:48,720
Speaker 4: you're like, the wedding component is not as shiny as

443
00:19:48,720 --> 00:19:49,840
Speaker 4: it was the first time round.

444
00:19:49,920 --> 00:19:53,040
Speaker 2: No, no, it's not. We also have been doing rounds

445
00:19:53,040 --> 00:19:55,240
Speaker 2: of IVF, so we wanted to do one really big

446
00:19:55,280 --> 00:20:00,280
Speaker 2: holiday before we started IBF, and then TikTok started showing

447
00:20:00,320 --> 00:20:03,320
Speaker 2: us videos of Iceland and we went, hey, let's go

448
00:20:03,359 --> 00:20:04,000
Speaker 2: to Iceland.

449
00:20:04,160 --> 00:20:05,440
Speaker 4: I'm obsessed.

450
00:20:05,760 --> 00:20:08,199
Speaker 2: A flip of the coin decided my career path and

451
00:20:08,320 --> 00:20:12,600
Speaker 2: TikTok decided my holiday destination, which then he was like, hey,

452
00:20:12,680 --> 00:20:15,240
Speaker 2: let's just get married. So we did. We eloped, no

453
00:20:15,320 --> 00:20:17,679
Speaker 2: one knew and it was so so magical.

454
00:20:17,920 --> 00:20:21,600
Speaker 4: I love that so much. So then you come back,

455
00:20:21,680 --> 00:20:24,360
Speaker 4: so you mentioned before you got married in twenty twenty four,

456
00:20:24,440 --> 00:20:26,400
Speaker 4: so that was last year, yes, And then we.

457
00:20:26,359 --> 00:20:28,520
Speaker 2: Had a fake wedding in April of this year where

458
00:20:28,680 --> 00:20:32,880
Speaker 2: again nobody knew, and we had a very small intimate

459
00:20:33,000 --> 00:20:35,960
Speaker 2: party where I pretend walked down the aisle.

460
00:20:35,720 --> 00:20:37,440
Speaker 4: And then did you tell them that you'd eloped?

461
00:20:37,680 --> 00:20:39,680
Speaker 2: We only told the kids that day, and that was

462
00:20:39,720 --> 00:20:40,360
Speaker 2: so excited.

463
00:20:40,520 --> 00:20:41,640
Speaker 4: That's so cute.

464
00:20:41,720 --> 00:20:44,440
Speaker 2: I loved well, really couldn't trust that they wouldn't open

465
00:20:44,440 --> 00:20:44,800
Speaker 2: their mouths.

466
00:20:45,200 --> 00:20:47,359
Speaker 4: No, no, no, no, no, you can't trust kids with that

467
00:20:47,480 --> 00:20:49,960
Speaker 4: information because do you know what? That's exciting for them?

468
00:20:50,000 --> 00:20:52,120
Speaker 4: Like they would have wanted to share it, like that's

469
00:20:52,240 --> 00:20:55,359
Speaker 4: just so exciting. So then, how long had you been

470
00:20:55,400 --> 00:20:58,080
Speaker 4: planning on purchasing your dream family home? Is that something

471
00:20:58,080 --> 00:21:00,960
Speaker 4: they'd like? Had been an undertone comp station the whole time?

472
00:21:01,080 --> 00:21:03,600
Speaker 2: Yeah? So I lived in my own property, but I

473
00:21:03,680 --> 00:21:07,480
Speaker 2: purchased by myself after I had gotten divorced. I lived

474
00:21:07,520 --> 00:21:09,600
Speaker 2: in that but it was about forty five minutes away

475
00:21:09,600 --> 00:21:11,600
Speaker 2: from where he and his kids lived. So I moved

476
00:21:11,640 --> 00:21:14,080
Speaker 2: in with him to a rental and then I rented

477
00:21:14,200 --> 00:21:17,200
Speaker 2: out the property I already owned. And we just seem

478
00:21:17,280 --> 00:21:20,000
Speaker 2: to have really bad luck with rental properties. Every time

479
00:21:20,040 --> 00:21:22,800
Speaker 2: we moved in, like six to twelve months later, the

480
00:21:22,840 --> 00:21:24,879
Speaker 2: owner would sell the home and then we would have

481
00:21:24,920 --> 00:21:28,720
Speaker 2: to move. And the last rental we moved into, I said,

482
00:21:28,720 --> 00:21:31,399
Speaker 2: this is the last one, Like, I can't pack up

483
00:21:31,520 --> 00:21:32,439
Speaker 2: our house again.

484
00:21:32,720 --> 00:21:35,919
Speaker 4: Yeah, that's chaos. Moving is literally I hate moving, like

485
00:21:36,000 --> 00:21:37,400
Speaker 4: I just I can't deal with it.

486
00:21:37,400 --> 00:21:40,439
Speaker 2: It is the worst. You just want to burn everything

487
00:21:40,480 --> 00:21:41,560
Speaker 2: you own and start again.

488
00:21:41,800 --> 00:21:44,199
Speaker 4: It's the mental load as well, Like it's not just

489
00:21:44,200 --> 00:21:46,760
Speaker 4: like packing boxes. Fine, if you're getting to the packing

490
00:21:46,800 --> 00:21:50,040
Speaker 4: boxes stage, we're probably all good. But it's all of

491
00:21:50,080 --> 00:21:54,280
Speaker 4: the chaos and the logistics around that that drive me crazy.

492
00:21:54,560 --> 00:21:58,359
Speaker 2: Submitting peoplework to the bank, like I'd rather do anything else.

493
00:21:59,400 --> 00:22:01,720
Speaker 2: But yeah, this year, we just woke up and went

494
00:22:01,800 --> 00:22:04,280
Speaker 2: all right, well, our lease is going to end in July,

495
00:22:04,520 --> 00:22:07,600
Speaker 2: let's start thinking about what we want to do. So

496
00:22:07,640 --> 00:22:10,000
Speaker 2: we put my property up on the market and I

497
00:22:10,200 --> 00:22:14,160
Speaker 2: was extremely lucky to sell it for almost two hundred

498
00:22:14,240 --> 00:22:17,760
Speaker 2: thousand more than I purchased it for. Yes, please, So

499
00:22:17,920 --> 00:22:20,760
Speaker 2: without that, Without that, there's no way we could have

500
00:22:20,840 --> 00:22:24,399
Speaker 2: afforded a four bedroom family home in Sydney, because we

501
00:22:24,440 --> 00:22:27,359
Speaker 2: all know what Sydney house prices are like right now.

502
00:22:28,520 --> 00:22:33,000
Speaker 2: So we sold once that money was in my pocket.

503
00:22:33,560 --> 00:22:37,000
Speaker 2: We had been looking all year, but then we were

504
00:22:37,040 --> 00:22:40,399
Speaker 2: able to be serious and we found something that ticked

505
00:22:40,440 --> 00:22:42,480
Speaker 2: all of our boxes, and before you know what, we

506
00:22:42,480 --> 00:22:46,240
Speaker 2: were standing in front of a fasault sign. Taking a selfie.

507
00:22:46,320 --> 00:22:49,399
Speaker 4: That is so so cool. So tell me, did you

508
00:22:49,480 --> 00:22:52,400
Speaker 4: settle on it five weeks ago or purchase five weeks ago?

509
00:22:52,800 --> 00:22:55,879
Speaker 2: Settle So we've been lived in. Yeah, we've been living

510
00:22:55,880 --> 00:22:57,920
Speaker 2: here and we already have wedding photos on the wall

511
00:22:57,960 --> 00:22:59,760
Speaker 2: and that just makes me so excited.

512
00:23:00,280 --> 00:23:04,640
Speaker 4: I love love Like, that's literally the best. So now

513
00:23:04,680 --> 00:23:06,960
Speaker 4: we're at the dream home thing. You said, Look, my

514
00:23:07,040 --> 00:23:09,600
Speaker 4: big money goal has been achieved. But you also mentioned,

515
00:23:09,640 --> 00:23:11,720
Speaker 4: and I hope you don't mind me prying a little bit,

516
00:23:12,000 --> 00:23:14,560
Speaker 4: you mentioned that you've been going through some IVF. So

517
00:23:14,800 --> 00:23:17,240
Speaker 4: is that a really big money goal at the moment, Like,

518
00:23:17,240 --> 00:23:20,200
Speaker 4: because obviously we've done the marriage, we've moved in, we've

519
00:23:20,200 --> 00:23:23,159
Speaker 4: got the dream home, and like the next step in

520
00:23:23,200 --> 00:23:25,760
Speaker 4: my head if you've mentioned IVF, I'm assuming you want

521
00:23:25,800 --> 00:23:28,160
Speaker 4: to build your family. Is that part of the landscape here.

522
00:23:28,320 --> 00:23:30,439
Speaker 2: Yeah. I didn't know if I should drop that as

523
00:23:30,480 --> 00:23:32,959
Speaker 2: a as a money goal, but it definitely is. It

524
00:23:33,040 --> 00:23:35,000
Speaker 2: is a money goal. We've been through a few rounds

525
00:23:35,000 --> 00:23:36,919
Speaker 2: which unfortunately have not been successful.

526
00:23:37,000 --> 00:23:37,960
Speaker 4: I'm so sorry.

527
00:23:38,440 --> 00:23:41,760
Speaker 2: Yeah, we're hoping for a successful round in the future,

528
00:23:41,800 --> 00:23:43,879
Speaker 2: and we definitely have to keep money to the side

529
00:23:44,560 --> 00:23:46,000
Speaker 2: for the payment of those.

530
00:23:46,119 --> 00:23:48,679
Speaker 4: Yeah, and financially, what does that kind of look like

531
00:23:48,800 --> 00:23:51,560
Speaker 4: for you guys, because like it could be anywhere and

532
00:23:51,640 --> 00:23:53,240
Speaker 4: I don't know what it's like in New South Like

533
00:23:53,320 --> 00:23:54,680
Speaker 4: do you know a little bit about what it's like

534
00:23:54,720 --> 00:23:56,640
Speaker 4: in New South Wales? But it could be anywhere from

535
00:23:56,680 --> 00:23:59,080
Speaker 4: like six and a half thousand dollars to about twelve

536
00:23:59,080 --> 00:24:00,960
Speaker 4: thousand dollars a round in New South Wales.

537
00:24:01,080 --> 00:24:04,480
Speaker 2: Yeah, those are the figures, and it's so hard to

538
00:24:04,640 --> 00:24:07,359
Speaker 2: then start thinking, well, how much do we have in

539
00:24:07,400 --> 00:24:11,280
Speaker 2: our back pocket because then you're almost like putting restrictions

540
00:24:11,480 --> 00:24:14,639
Speaker 2: on how many rounds you can financially go through.

541
00:24:14,960 --> 00:24:17,320
Speaker 4: Yeah, especially if you're at that point where you're like

542
00:24:17,359 --> 00:24:19,159
Speaker 4: I just want a baby, like I just want to

543
00:24:19,160 --> 00:24:22,800
Speaker 4: build my family with this person, and then there's a

544
00:24:22,840 --> 00:24:25,440
Speaker 4: financial overlay, Like I just feel like it's so unfair

545
00:24:25,480 --> 00:24:26,359
Speaker 4: that that's the case.

546
00:24:26,640 --> 00:24:30,480
Speaker 2: Yeah, it's ironic, isn't it. Being a midwife and not

547
00:24:30,520 --> 00:24:32,320
Speaker 2: being able to have a baby of our own.

548
00:24:32,440 --> 00:24:35,359
Speaker 4: What's that like? Can I be really pervy? What's that like?

549
00:24:35,440 --> 00:24:38,560
Speaker 4: Going to work and obviously helping women deliver every day,

550
00:24:38,560 --> 00:24:41,480
Speaker 4: but then on the flip side, going through IVF struggles

551
00:24:41,520 --> 00:24:44,399
Speaker 4: that are clearly, like you said before, the rounds that

552
00:24:44,440 --> 00:24:47,000
Speaker 4: you've gone through so far haven't been successful, and that

553
00:24:47,320 --> 00:24:49,320
Speaker 4: would be heartbreaking. Like that's rough.

554
00:24:49,640 --> 00:24:52,840
Speaker 2: It is hard, but it's not the women's fault that

555
00:24:53,040 --> 00:24:56,520
Speaker 2: my body just isn't cooperating. I think on a day

556
00:24:56,520 --> 00:25:00,280
Speaker 2: to day basis, it's okay because while I loved caring

557
00:25:00,320 --> 00:25:02,240
Speaker 2: for these women, they're not a part of my life.

558
00:25:02,520 --> 00:25:06,680
Speaker 2: So I'm able to separate. It just can be very tricky.

559
00:25:07,400 --> 00:25:09,880
Speaker 2: You just go, I just want one. I just want one,

560
00:25:10,560 --> 00:25:14,040
Speaker 2: Like can I just take one? Like please? That's so

561
00:25:14,080 --> 00:25:16,159
Speaker 2: many time it's hard because I'm just like, oh, I

562
00:25:16,200 --> 00:25:19,920
Speaker 2: don't drink, I don't do drugs. I you know, try

563
00:25:19,960 --> 00:25:22,840
Speaker 2: to live a good life, and my body won't cooperate.

564
00:25:23,040 --> 00:25:26,239
Speaker 4: Also, as somebody, I've gone through now four losses and

565
00:25:26,359 --> 00:25:28,960
Speaker 4: for I would say, like close to twelve week losses,

566
00:25:29,000 --> 00:25:30,680
Speaker 4: which has been do you know what? Really shit? Like

567
00:25:30,720 --> 00:25:33,880
Speaker 4: there's nothing about that, Like there's no like, oh if

568
00:25:33,920 --> 00:25:36,399
Speaker 4: butt's about it. But I think for me, it's that

569
00:25:36,560 --> 00:25:38,359
Speaker 4: doubt that you have in your own body. I'm like,

570
00:25:38,520 --> 00:25:41,400
Speaker 4: I am so healthy. I have been on prenatal since

571
00:25:41,440 --> 00:25:44,320
Speaker 4: before I had Harvey. I have gone through all of this,

572
00:25:44,600 --> 00:25:47,800
Speaker 4: like I am the above and beyond. I'm drinking green juice,

573
00:25:47,840 --> 00:25:50,000
Speaker 4: I'm doing all of the things, like all I want

574
00:25:50,040 --> 00:25:53,560
Speaker 4: is a healthy baby. And then you see on socials,

575
00:25:53,680 --> 00:25:55,520
Speaker 4: oh surprise, oh my god, we didn't know what we

576
00:25:55,560 --> 00:25:57,879
Speaker 4: were going to do, and you're just like why me,

577
00:25:58,119 --> 00:26:01,000
Speaker 4: Like I'm desperate, like that's what I want, Like all

578
00:26:01,000 --> 00:26:03,000
Speaker 4: I want is a baby, and all I want is

579
00:26:03,240 --> 00:26:05,800
Speaker 4: for that journey to be my journey. And then somehow

580
00:26:05,840 --> 00:26:08,719
Speaker 4: it just so easily works for other women and they

581
00:26:08,800 --> 00:26:10,840
Speaker 4: might not have even wanted that journey, and you're like,

582
00:26:10,960 --> 00:26:14,280
Speaker 4: that doesn't feel fair, But unfortunately that is the way

583
00:26:14,280 --> 00:26:18,240
Speaker 4: that the cookie crumbles for some of us. And that's okay.

584
00:26:18,400 --> 00:26:20,879
Speaker 2: It is okay. I have two wonderful step kids. They

585
00:26:20,920 --> 00:26:23,719
Speaker 2: are amazing, they're beautiful, they're fantastic.

586
00:26:23,920 --> 00:26:26,080
Speaker 4: Well, I'm sending you all the baby dust because I

587
00:26:26,080 --> 00:26:28,960
Speaker 4: can tell like you are so before I was like, oh,

588
00:26:28,960 --> 00:26:31,119
Speaker 4: of course, she's a midwife, Like you are so empathetic,

589
00:26:31,160 --> 00:26:33,280
Speaker 4: Like I already know you're the best step mum, and

590
00:26:33,320 --> 00:26:35,600
Speaker 4: we're just waiting for you to become like a mum

591
00:26:35,640 --> 00:26:37,960
Speaker 4: of a baby that you burst like that's so exciting,

592
00:26:38,040 --> 00:26:39,879
Speaker 4: and I just know what's going to happen. Let's go

593
00:26:39,920 --> 00:26:41,600
Speaker 4: to a really quick break because on the flip side,

594
00:26:41,600 --> 00:26:48,600
Speaker 4: we're going to dive back into the money chat. All right, money, darrist,

595
00:26:48,680 --> 00:26:50,840
Speaker 4: we are back, and you have shared so much with

596
00:26:50,920 --> 00:26:53,200
Speaker 4: us that I think is going to be so helpful

597
00:26:53,240 --> 00:26:57,840
Speaker 4: for our community, like literally everything from eloping in Iceland

598
00:26:57,960 --> 00:27:00,280
Speaker 4: to IVF to buying a full bed dream house in

599
00:27:00,320 --> 00:27:03,639
Speaker 4: Sydney and then also meeting your now husband when you

600
00:27:03,720 --> 00:27:07,480
Speaker 4: were literal eleven year olds to then rekindling that love

601
00:27:07,560 --> 00:27:10,360
Speaker 4: on Instagram. I want to know now a bit more

602
00:27:10,359 --> 00:27:13,680
Speaker 4: about the financials though. Do you invest? If so in what?

603
00:27:13,760 --> 00:27:14,679
Speaker 4: If not? Why not?

604
00:27:14,960 --> 00:27:18,400
Speaker 2: So? I only recently, like maybe one month ago, set

605
00:27:18,480 --> 00:27:23,600
Speaker 2: up a raise account, and I have zero idea what

606
00:27:23,720 --> 00:27:24,359
Speaker 2: I am doing.

607
00:27:24,520 --> 00:27:26,840
Speaker 4: That's okay because like you did the hardest part.

608
00:27:28,040 --> 00:27:31,360
Speaker 2: I've set it up. I'm doing the roundup like I'm

609
00:27:31,359 --> 00:27:34,040
Speaker 2: doing what it's doing, but I don't understand. So that's

610
00:27:34,080 --> 00:27:38,320
Speaker 2: my next like personal set of homework for myself is

611
00:27:38,359 --> 00:27:42,400
Speaker 2: to learn obsessed investments. My husband and I also have

612
00:27:43,400 --> 00:27:46,760
Speaker 2: bank accounts set up for the kids. They are aged

613
00:27:46,840 --> 00:27:50,520
Speaker 2: six and eleven, and so every week we each contribute

614
00:27:51,200 --> 00:27:54,320
Speaker 2: six and eleven dollars into their account. Per week.

615
00:27:54,400 --> 00:27:57,159
Speaker 4: So that's how my pocket money worked growing up. But

616
00:27:57,960 --> 00:28:00,280
Speaker 4: it was a few years ago now, and we didn't

617
00:28:00,280 --> 00:28:02,960
Speaker 4: get a dollar per year. We got fifty cents per year.

618
00:28:03,000 --> 00:28:05,520
Speaker 2: Oh. We worked it out that once they're twenty five,

619
00:28:05,560 --> 00:28:08,720
Speaker 2: it'll be like somewhere in the forty to fifty thousand dollars.

620
00:28:08,840 --> 00:28:11,320
Speaker 2: So it seems little to say we're just putting six

621
00:28:11,400 --> 00:28:12,560
Speaker 2: dollars a week in by.

622
00:28:12,480 --> 00:28:15,080
Speaker 4: From little things, big things grow, that's exactly right.

623
00:28:15,119 --> 00:28:17,760
Speaker 2: So investments, we have the accounts for the kids and

624
00:28:17,840 --> 00:28:20,040
Speaker 2: I've set up a raise account. That's where I'm at

625
00:28:20,119 --> 00:28:22,399
Speaker 2: with my investments at the moment. But I'm very eager

626
00:28:22,440 --> 00:28:23,680
Speaker 2: to educate myself.

627
00:28:23,800 --> 00:28:26,000
Speaker 4: I'm obsessed. What does your superannuation look like?

628
00:28:26,359 --> 00:28:31,040
Speaker 2: Oh, great question. It is one hundred and twenty nine.

629
00:28:30,840 --> 00:28:34,399
Speaker 4: Thousand, Okay, So she's a very serious investor. She just

630
00:28:34,400 --> 00:28:37,320
Speaker 4: doesn't identify as that yet. That is a legitimate investment.

631
00:28:37,400 --> 00:28:39,520
Speaker 4: That is all in your name. Like you have one

632
00:28:39,600 --> 00:28:42,760
Speaker 4: hundred and twenty nine thousand dollars investable. Like that's crazy,

633
00:28:42,960 --> 00:28:46,000
Speaker 4: that's crazy. Like that's so good for your age as well.

634
00:28:46,200 --> 00:28:49,240
Speaker 2: Oh, thank you that Okay, I'm excited to hear that.

635
00:28:49,320 --> 00:28:50,720
Speaker 2: Then I'm very excited to hear that.

636
00:28:51,040 --> 00:28:54,160
Speaker 4: Oh girl, like you're thirty nine and one hundred and

637
00:28:54,200 --> 00:28:56,959
Speaker 4: twenty nine thousand dollars. That is way above average. Like

638
00:28:57,120 --> 00:28:59,960
Speaker 4: that is that is very sexy? That is very very nice.

639
00:29:00,080 --> 00:29:02,440
Speaker 2: I'll let my husband know that I have a sexy.

640
00:29:02,280 --> 00:29:05,760
Speaker 4: Oh he knows. Can I go back and ask some

641
00:29:05,840 --> 00:29:08,720
Speaker 4: more of perviey questions about your kids? So you said

642
00:29:08,720 --> 00:29:11,640
Speaker 4: that they were your step kids, and that is absolutely slay.

643
00:29:12,120 --> 00:29:14,920
Speaker 4: But the ownership you're taking over them, I'm obsessed with.

644
00:29:15,000 --> 00:29:17,320
Speaker 4: You're like, nope, but we do this together. These like

645
00:29:17,440 --> 00:29:20,160
Speaker 4: I'm contributing to their futures and I just I think

646
00:29:20,200 --> 00:29:24,440
Speaker 4: that is so beautiful. But how does that work? So, like,

647
00:29:24,760 --> 00:29:26,440
Speaker 4: you meet this man, here's the man of your dreams,

648
00:29:26,480 --> 00:29:28,040
Speaker 4: you want to marry the hell out of him. He's

649
00:29:28,080 --> 00:29:31,520
Speaker 4: got two kids. What type of conversations are you guys

650
00:29:31,520 --> 00:29:34,520
Speaker 4: having around that, Because that can be a fickle situation,

651
00:29:34,720 --> 00:29:37,880
Speaker 4: Like there is maybe a mum involved that also is

652
00:29:37,920 --> 00:29:40,800
Speaker 4: contributing to their futures or maybe there's not. Like every

653
00:29:40,840 --> 00:29:44,680
Speaker 4: situation is different, every like family is different. How does

654
00:29:44,720 --> 00:29:45,440
Speaker 4: that work for you?

655
00:29:45,720 --> 00:29:49,440
Speaker 2: I really think from the get go, my husband and

656
00:29:49,520 --> 00:29:54,080
Speaker 2: I were having the hard hitting questions like straight up.

657
00:29:54,000 --> 00:29:56,000
Speaker 4: You have to when there are kids involved. I'm sorry,

658
00:29:56,120 --> 00:29:58,760
Speaker 4: Like this actually is serious? Or we don't bother?

659
00:29:59,040 --> 00:30:02,760
Speaker 2: Yeah, like about everything, just everything. We were having the

660
00:30:02,760 --> 00:30:05,240
Speaker 2: heart hitting conversations, which I think is so important. You

661
00:30:05,280 --> 00:30:06,840
Speaker 2: can fall in love with someone, but if you're not

662
00:30:06,880 --> 00:30:10,000
Speaker 2: on the same page, like on a day to day

663
00:30:10,000 --> 00:30:13,640
Speaker 2: basis with finances and raising kids and all that jazz.

664
00:30:14,040 --> 00:30:17,440
Speaker 2: So yeah, I don't know. I think it just made sense.

665
00:30:17,640 --> 00:30:20,960
Speaker 2: I love this man and we're best friends, and he's

666
00:30:20,960 --> 00:30:23,960
Speaker 2: got two kids, so of course they now suddenly.

667
00:30:23,520 --> 00:30:24,440
Speaker 4: It's a package deal.

668
00:30:24,480 --> 00:30:25,480
Speaker 2: It's a package deal.

669
00:30:25,640 --> 00:30:27,920
Speaker 4: And see, I just knew you were kind human from

670
00:30:27,960 --> 00:30:29,959
Speaker 4: the start. I just know you're a good person. Like

671
00:30:30,040 --> 00:30:33,840
Speaker 4: that just tells me so much about you. Now let's

672
00:30:33,880 --> 00:30:36,640
Speaker 4: go into debt. That's maybe not the sexy stuff, but

673
00:30:36,680 --> 00:30:38,880
Speaker 4: I actually get to talk about your dream home again.

674
00:30:39,360 --> 00:30:41,640
Speaker 4: Tell me how much debt are you guys in? And

675
00:30:41,720 --> 00:30:42,200
Speaker 4: what for?

676
00:30:44,120 --> 00:30:47,560
Speaker 2: The only debt we have is our mortgage.

677
00:30:47,720 --> 00:30:49,720
Speaker 4: That is sexy. Again, you can tell your husband that's

678
00:30:49,720 --> 00:30:50,200
Speaker 4: sexy too.

679
00:30:50,800 --> 00:30:52,520
Speaker 2: The only debt we have is our mortgage?

680
00:30:52,600 --> 00:30:53,719
Speaker 4: And what does that look like?

681
00:30:53,880 --> 00:30:56,240
Speaker 2: We bought from one point too then, because I was

682
00:30:56,280 --> 00:30:59,200
Speaker 2: already a homeowner. We got lumped with some stamp duty.

683
00:30:59,640 --> 00:31:02,120
Speaker 4: I yeah, but also you're above the cap, so you're

684
00:31:02,120 --> 00:31:03,880
Speaker 4: always going to get stamp duty at a one point

685
00:31:03,880 --> 00:31:07,120
Speaker 4: two million dollar purchase price. Sorry okay, but that should

686
00:31:07,120 --> 00:31:08,840
Speaker 4: make you feel a little bit better about it, because

687
00:31:08,880 --> 00:31:11,720
Speaker 4: like you wouldn't have got first homeowner concessions in New

688
00:31:11,760 --> 00:31:14,239
Speaker 4: South Wales. I believe the first homeona concession caps out

689
00:31:14,240 --> 00:31:16,760
Speaker 4: at about nine hundred and fifty thousand dollars. Don't quote

690
00:31:16,760 --> 00:31:18,160
Speaker 4: me on that because I don't have my stats in

691
00:31:18,240 --> 00:31:20,320
Speaker 4: front of me, but I do own a mortgage broking business,

692
00:31:20,320 --> 00:31:22,000
Speaker 4: so I feel like I might know more than the

693
00:31:22,040 --> 00:31:22,680
Speaker 4: average bear.

694
00:31:24,000 --> 00:31:26,160
Speaker 2: So in the end, it was one point twenty five

695
00:31:26,600 --> 00:31:30,560
Speaker 2: and we currently owe one point one but we have

696
00:31:30,600 --> 00:31:33,720
Speaker 2: one hundred and thirteen thousand in our offset stop it,

697
00:31:34,120 --> 00:31:37,320
Speaker 2: so I can't say that I have an emergency fund

698
00:31:37,440 --> 00:31:37,840
Speaker 2: or a.

699
00:31:37,920 --> 00:31:39,959
Speaker 4: Yes you do, it's just sitting in your offset.

700
00:31:40,080 --> 00:31:44,080
Speaker 2: We put it there for obviously the benefit of the

701
00:31:44,160 --> 00:31:46,960
Speaker 2: interest being charged, but it's there for IVF. It's there

702
00:31:47,000 --> 00:31:48,560
Speaker 2: for if anything happens.

703
00:31:48,680 --> 00:31:50,920
Speaker 4: Oh, that makes me so happy that you've still got

704
00:31:50,960 --> 00:31:53,560
Speaker 4: like you've made a massive purchase, and that's terrifying, Like

705
00:31:53,600 --> 00:31:55,960
Speaker 4: anything over a million dollars, I get a little lump

706
00:31:56,000 --> 00:31:57,720
Speaker 4: in my throat and I'm like, oh, like that's a

707
00:31:57,720 --> 00:31:59,920
Speaker 4: lot of money. But to know that you've got that

708
00:32:00,120 --> 00:32:03,640
Speaker 4: financial freedom in a way for the journey, Like it's

709
00:32:03,680 --> 00:32:06,200
Speaker 4: not like you are week to week at this point

710
00:32:06,200 --> 00:32:06,880
Speaker 4: in your life.

711
00:32:07,080 --> 00:32:09,280
Speaker 2: And that My husband and I've had a great conversation

712
00:32:09,320 --> 00:32:14,200
Speaker 2: where we have a personal limit that we don't want

713
00:32:14,400 --> 00:32:15,520
Speaker 2: to dip below.

714
00:32:15,840 --> 00:32:17,880
Speaker 4: Can I be pervy? What's that limit? Look like?

715
00:32:18,000 --> 00:32:19,560
Speaker 2: We don't want to dip below one hundred and ten

716
00:32:19,600 --> 00:32:20,600
Speaker 2: thousand in hour offset?

717
00:32:20,760 --> 00:32:22,640
Speaker 4: So that's really fair? Do you know what is crazy?

718
00:32:22,640 --> 00:32:24,680
Speaker 4: I was having this conversation with a friend the other

719
00:32:24,760 --> 00:32:28,560
Speaker 4: day and money is really fickle, right, Like there are

720
00:32:28,560 --> 00:32:30,160
Speaker 4: going to be people listening to this who are like,

721
00:32:30,200 --> 00:32:32,840
Speaker 4: I don't even have five hundred dollars in a emergency

722
00:32:32,880 --> 00:32:35,400
Speaker 4: fund yet. And it's like that's fine. Like you're all

723
00:32:35,440 --> 00:32:38,959
Speaker 4: on different trajectories, you're all on different journeys, and like

724
00:32:39,160 --> 00:32:42,440
Speaker 4: we all start somewhere. But it's crazy. I remember being

725
00:32:42,480 --> 00:32:44,400
Speaker 4: in a massive amount of debt. For those of you

726
00:32:44,440 --> 00:32:46,280
Speaker 4: who maybe haven't heard my entire story, I was in

727
00:32:46,320 --> 00:32:48,680
Speaker 4: forty thousand dollars worth of consumer debt, got myself out

728
00:32:48,680 --> 00:32:50,800
Speaker 4: of that created cheese on the money, and the rest

729
00:32:50,840 --> 00:32:53,760
Speaker 4: is essentially history. But I remember when I started my

730
00:32:53,960 --> 00:32:57,040
Speaker 4: emergency fund and I got to my first five hundred dollars,

731
00:32:57,040 --> 00:32:59,600
Speaker 4: and you kind of set these little like benchmarks in

732
00:32:59,640 --> 00:33:02,040
Speaker 4: your head and you go, now it's a five hundred dollars.

733
00:33:02,040 --> 00:33:03,960
Speaker 4: I can never let it get below five hundred dollars.

734
00:33:04,280 --> 00:33:06,360
Speaker 4: And then that five hundred dollars becomes one thousand dollars,

735
00:33:06,440 --> 00:33:08,360
Speaker 4: and then over time it starts to get a little

736
00:33:08,360 --> 00:33:11,320
Speaker 4: bit bigger. And like, as my financial security has grown

737
00:33:11,360 --> 00:33:14,120
Speaker 4: and my income has increased, I've tried very hard to

738
00:33:14,200 --> 00:33:17,840
Speaker 4: invest and very hard to save. But like, it's crazy

739
00:33:17,880 --> 00:33:20,239
Speaker 4: how we get these numbers in our head and they

740
00:33:20,360 --> 00:33:23,000
Speaker 4: kind of like little benchmarks. But clearly you've gotten to

741
00:33:23,240 --> 00:33:25,160
Speaker 4: and I reckon, there was a previous time where it

742
00:33:25,200 --> 00:33:26,960
Speaker 4: was one hundred and now it's one hundred and ten

743
00:33:27,120 --> 00:33:31,000
Speaker 4: for you, And that's actually so cool because you're just

744
00:33:31,040 --> 00:33:34,000
Speaker 4: sitting on this financial security to put your family in

745
00:33:34,040 --> 00:33:38,400
Speaker 4: the best possible position. But like, it's crazy how past

746
00:33:38,520 --> 00:33:40,520
Speaker 4: me would have thought that one hundred thousand dollars was

747
00:33:40,520 --> 00:33:43,920
Speaker 4: an astronomical amount of money, and then today it's still

748
00:33:43,960 --> 00:33:45,800
Speaker 4: a lot of money. I'm not going to pretend it's not,

749
00:33:46,480 --> 00:33:50,200
Speaker 4: but it's now become the benchmark. And like, my husband

750
00:33:50,200 --> 00:33:51,600
Speaker 4: and I are the same, and we have about one

751
00:33:51,680 --> 00:33:54,000
Speaker 4: hundred thousand dollars sitting in our offset at the moment,

752
00:33:54,400 --> 00:33:56,160
Speaker 4: and like both of us are like, oh, well, it

753
00:33:56,160 --> 00:33:58,720
Speaker 4: can't go below that now, And it's like we've set

754
00:33:58,720 --> 00:34:01,280
Speaker 4: this rule up, this rule that we've made up. But

755
00:34:01,440 --> 00:34:03,880
Speaker 4: like when we first got together, the idea that we

756
00:34:03,920 --> 00:34:07,200
Speaker 4: would even have one hundred thousand dollars as a conversation

757
00:34:08,160 --> 00:34:10,440
Speaker 4: is mind blowing. So I just want to kind of

758
00:34:10,600 --> 00:34:13,279
Speaker 4: contextualize it a little bit. But also it's funny with

759
00:34:13,320 --> 00:34:15,520
Speaker 4: those benchmarking things when you said, we've got this goal

760
00:34:15,560 --> 00:34:17,480
Speaker 4: of like not letting it get blow one hundred and ten.

761
00:34:17,880 --> 00:34:20,040
Speaker 4: Isn't it crazy how we set these things up. But

762
00:34:20,080 --> 00:34:22,800
Speaker 4: they feel like very big goals and they're very serious,

763
00:34:22,880 --> 00:34:24,520
Speaker 4: but we've kind of just made them up.

764
00:34:24,640 --> 00:34:27,200
Speaker 2: Yeah, no one's holding us to it, but it's great

765
00:34:27,239 --> 00:34:30,560
Speaker 2: to have the benchmark. My husband loves even numbers, so

766
00:34:30,760 --> 00:34:35,880
Speaker 2: if there was like, say one hundred and thirteen thousand,

767
00:34:36,040 --> 00:34:39,560
Speaker 2: nine hundred and eighty two dollars in there, he would

768
00:34:39,600 --> 00:34:42,960
Speaker 2: just go and transfer, like eighteen dollars over to make

769
00:34:43,000 --> 00:34:44,520
Speaker 2: it a whole number.

770
00:34:44,640 --> 00:34:47,000
Speaker 4: So no, I'm the same, I'm exactly the same.

771
00:34:47,040 --> 00:34:48,880
Speaker 2: I'm a bit plase it doesn't bother me like that.

772
00:34:48,960 --> 00:34:51,560
Speaker 2: But yeah, he's always for the even numbers, so it

773
00:34:51,640 --> 00:34:53,120
Speaker 2: means that we get a little bit of extra money

774
00:34:53,120 --> 00:34:56,440
Speaker 2: in there because he's forever just shuffling some dollars around.

775
00:34:56,719 --> 00:34:59,800
Speaker 4: That's me, your husband and I must we would get along.

776
00:35:01,280 --> 00:35:01,480
Speaker 2: Now.

777
00:35:01,520 --> 00:35:04,919
Speaker 4: On debt, you've got one point one million dollars mortgage debt.

778
00:35:05,560 --> 00:35:08,200
Speaker 4: Talk to me about the repayments for that? Are they comfortable?

779
00:35:08,239 --> 00:35:09,960
Speaker 4: Are they something that you guys are like, Oh, it's

780
00:35:09,960 --> 00:35:11,879
Speaker 4: going to be a stretch for a little while. Like

781
00:35:12,080 --> 00:35:14,760
Speaker 4: what's the debt repayment situation on that mortgage?

782
00:35:14,760 --> 00:35:17,399
Speaker 2: Looking like, Yeah, we do everything fortnightly because I get

783
00:35:17,440 --> 00:35:21,640
Speaker 2: paid fortnightly, so we pay everything fortnitly, and so far

784
00:35:22,400 --> 00:35:23,000
Speaker 2: we're okay.

785
00:35:23,080 --> 00:35:25,840
Speaker 4: And are you on fixed or variable? Because we recently

786
00:35:25,880 --> 00:35:28,160
Speaker 4: had a point two five percent rate cut and banks

787
00:35:28,200 --> 00:35:30,560
Speaker 4: haven't passed that on yet, but they probably will very

788
00:35:30,600 --> 00:35:33,000
Speaker 4: soon and that will be a very welcome surprise to

789
00:35:33,000 --> 00:35:36,200
Speaker 4: a lot of mortgage holders. Yeah, we are very, very

790
00:35:36,400 --> 00:35:37,200
Speaker 4: very exciting.

791
00:35:37,440 --> 00:35:39,960
Speaker 2: So I'll pray for that that passover for us.

792
00:35:39,880 --> 00:35:42,560
Speaker 4: That should be passed on. It should be and if not,

793
00:35:42,600 --> 00:35:44,160
Speaker 4: you need to talk to your mortgage broker and make

794
00:35:44,200 --> 00:35:45,399
Speaker 4: them put the hard word on the bank.

795
00:35:45,440 --> 00:35:47,719
Speaker 2: Oh I will, don't you worry. I love that our

796
00:35:47,719 --> 00:35:52,839
Speaker 2: mortgage repayments are probably almost my whole pay which is sad, but.

797
00:35:53,480 --> 00:35:54,560
Speaker 4: It's the economy we live.

798
00:35:54,719 --> 00:35:56,279
Speaker 2: It is the economy that we live in.

799
00:35:56,520 --> 00:35:58,600
Speaker 4: And what does that leave you with? Each month? So

800
00:35:58,640 --> 00:36:00,600
Speaker 4: you and your husband do you earn about the same

801
00:36:00,640 --> 00:36:02,920
Speaker 4: amount or is it variably different?

802
00:36:03,080 --> 00:36:06,840
Speaker 2: No? We actually earned within like five hundred dollars of

803
00:36:06,920 --> 00:36:08,719
Speaker 2: each other each financial year.

804
00:36:08,880 --> 00:36:09,920
Speaker 4: Oh that's so cool.

805
00:36:10,239 --> 00:36:13,239
Speaker 2: Yeah, I'm committed to picking up some extra overtime this

806
00:36:13,320 --> 00:36:15,200
Speaker 2: financial year just so I can be the one that's

807
00:36:15,200 --> 00:36:16,520
Speaker 2: five hundred dollars ahead.

808
00:36:16,880 --> 00:36:18,479
Speaker 4: See, that would be me. It would become a game,

809
00:36:18,800 --> 00:36:19,600
Speaker 4: and I love winning.

810
00:36:20,360 --> 00:36:22,000
Speaker 2: It is a game. I think it is a game

811
00:36:22,040 --> 00:36:23,800
Speaker 2: who can be there first?

812
00:36:23,920 --> 00:36:26,360
Speaker 4: Would you say that that's one of your best money habits? Like,

813
00:36:26,400 --> 00:36:28,200
Speaker 4: if I asked you what is your best money habit?

814
00:36:28,280 --> 00:36:31,480
Speaker 4: What do you reckon? You would say, Oh, if.

815
00:36:30,880 --> 00:36:33,399
Speaker 2: I can talk about me and my husband as one unit,

816
00:36:33,440 --> 00:36:36,239
Speaker 2: I think our best money habit is that we have

817
00:36:36,440 --> 00:36:40,680
Speaker 2: a finance chat in WhatsApp. It's titled finance Chat and

818
00:36:40,719 --> 00:36:42,200
Speaker 2: it's where we throw ideas around.

819
00:36:42,320 --> 00:36:44,400
Speaker 4: That's so cute. I love this idea.

820
00:36:44,640 --> 00:36:47,320
Speaker 2: And then Friday nights, we don't have my step kids

821
00:36:47,320 --> 00:36:49,480
Speaker 2: on that night, and so every so often we have

822
00:36:49,520 --> 00:36:52,680
Speaker 2: a finance Friday where we like discuss and reevaluate.

823
00:36:53,040 --> 00:36:53,600
Speaker 4: Stop it.

824
00:36:53,680 --> 00:36:55,920
Speaker 2: I think that's like probably one of our best things.

825
00:36:56,280 --> 00:36:58,719
Speaker 2: But the fact that we pay our bills fortnightly and

826
00:36:58,880 --> 00:37:00,320
Speaker 2: we contribute to the well.

827
00:37:00,640 --> 00:37:02,719
Speaker 4: Don't you don't pay when it's due, We don't pay.

828
00:37:02,840 --> 00:37:05,800
Speaker 2: So most of ourbiel's wear between three and five hundred dollars.

829
00:37:05,960 --> 00:37:09,520
Speaker 4: Oh that is so sexy. I love this relationship with yours.

830
00:37:09,760 --> 00:37:13,440
Speaker 2: Yeah, it's honestly. I just love him so much for

831
00:37:14,200 --> 00:37:15,640
Speaker 2: just how open and.

832
00:37:15,880 --> 00:37:18,279
Speaker 4: You deserve this, Like you went through a divorce, and

833
00:37:18,320 --> 00:37:20,680
Speaker 4: I can almost guarantee that at some point during that

834
00:37:20,719 --> 00:37:22,320
Speaker 4: divorce you were like, my life is over. What the

835
00:37:22,360 --> 00:37:24,960
Speaker 4: hell I'm getting divorced? I never saw this coming. This

836
00:37:25,080 --> 00:37:27,080
Speaker 4: is why, babe, This is why, because there are better

837
00:37:27,120 --> 00:37:30,640
Speaker 4: things that came along. Like I'm so glad you got divorced.

838
00:37:30,800 --> 00:37:33,680
Speaker 2: Yes, me so. But it's just great to have a

839
00:37:33,719 --> 00:37:36,799
Speaker 2: partner who is willing to have these conversations, and who

840
00:37:36,840 --> 00:37:41,160
Speaker 2: is willing to learn with you and take on suggestions

841
00:37:41,200 --> 00:37:43,440
Speaker 2: and even make suggestions like we are a team and

842
00:37:43,480 --> 00:37:44,439
Speaker 2: it's so so good.

843
00:37:44,640 --> 00:37:47,319
Speaker 4: I love this for you. Flip the narrative, though, what's

844
00:37:47,360 --> 00:37:48,560
Speaker 4: your worst money habit?

845
00:37:49,040 --> 00:37:49,200
Speaker 2: Is it?

846
00:37:49,280 --> 00:37:52,920
Speaker 4: Baking for all your colleagues and expending lots on sweet treats,

847
00:37:52,920 --> 00:37:55,320
Speaker 4: because like, I feel like that could get expensive really quickly.

848
00:37:55,640 --> 00:37:58,960
Speaker 2: Do you know how much butter costs these days? It's disgusting.

849
00:37:59,080 --> 00:38:01,719
Speaker 4: I'm aware. That's why I think it's really expensive, Like

850
00:38:02,200 --> 00:38:04,200
Speaker 4: maybe we all need to swap to margarine.

851
00:38:04,360 --> 00:38:07,279
Speaker 2: Maybe baking is expensive. I have slowed down on that.

852
00:38:07,360 --> 00:38:12,200
Speaker 2: My worst money habit would be probably being blonde because

853
00:38:12,200 --> 00:38:13,000
Speaker 2: that's expensive.

854
00:38:13,160 --> 00:38:15,440
Speaker 4: Oh yeah, it used to be free when you were thirteen,

855
00:38:15,560 --> 00:38:17,919
Speaker 4: but it's not anymore. When you're a midwife. No one's

856
00:38:17,960 --> 00:38:19,480
Speaker 4: going to do your hair while they're in labor. I'm

857
00:38:19,520 --> 00:38:20,000
Speaker 4: so sorry.

858
00:38:21,400 --> 00:38:25,040
Speaker 2: I would say I am very quick to suggest a

859
00:38:25,120 --> 00:38:29,439
Speaker 2: holiday yeah nice to my husband, and he will be like, okay, cool, Yeah,

860
00:38:29,480 --> 00:38:31,520
Speaker 2: let's do it. So I think that's probably my worst

861
00:38:31,520 --> 00:38:34,160
Speaker 2: money habit is I'll be like, okay, so we're ahead

862
00:38:34,160 --> 00:38:36,279
Speaker 2: of all our bills. Where can we go on holidays? Now? Oh?

863
00:38:36,320 --> 00:38:38,560
Speaker 4: I love that though. That's kind of cute and also

864
00:38:38,640 --> 00:38:40,759
Speaker 4: sounds a little bit like me. I always tell my

865
00:38:40,840 --> 00:38:43,719
Speaker 4: husband that he's a neighborer because I'm like, I love

866
00:38:43,760 --> 00:38:46,239
Speaker 4: that you love me, and I love that you really

867
00:38:46,320 --> 00:38:48,239
Speaker 4: want me to be happy. So when I say, oh,

868
00:38:48,320 --> 00:38:50,000
Speaker 4: should we go on a holiday? You go, yeah, if

869
00:38:50,000 --> 00:38:51,640
Speaker 4: that's what you want to do, Like, we can totally

870
00:38:51,680 --> 00:38:55,040
Speaker 4: do that. No no, no, pull me into line, say no, no, no, Victoria,

871
00:38:55,040 --> 00:38:58,360
Speaker 4: We've got a mortgage, Like, tell me that that maybe

872
00:38:58,400 --> 00:39:00,520
Speaker 4: is not a good idea. So, like my best money habit,

873
00:39:00,520 --> 00:39:03,000
Speaker 4: I would say's my husband, Yeah, I hope that's it.

874
00:39:03,880 --> 00:39:08,000
Speaker 2: Also, why are all these amazing artists doing so many

875
00:39:08,080 --> 00:39:11,319
Speaker 2: fun music tours lately? My husband and I probably our

876
00:39:11,400 --> 00:39:15,359
Speaker 2: number one hobby is live music, and it's just where

877
00:39:15,360 --> 00:39:17,480
Speaker 2: half our money goes, and it's just terrible.

878
00:39:17,760 --> 00:39:19,960
Speaker 4: Look, I'm not mad about that. As somebody who also

879
00:39:20,040 --> 00:39:23,239
Speaker 4: enjoys live music, like we are guilty of that, and

880
00:39:23,280 --> 00:39:25,680
Speaker 4: now that we have a baby as well, I'm very

881
00:39:25,680 --> 00:39:27,960
Speaker 4: guilty of looking up like what's going on in the

882
00:39:28,040 --> 00:39:30,840
Speaker 4: summer kind of like the festival vibe ones where you

883
00:39:30,880 --> 00:39:33,000
Speaker 4: can take your kid, and like you know, by tick,

884
00:39:33,080 --> 00:39:35,279
Speaker 4: they're still expensive, but I would say it's even more

885
00:39:35,360 --> 00:39:37,319
Speaker 4: expensive because it's a day thing and then you end

886
00:39:37,440 --> 00:39:39,200
Speaker 4: up buying all of the food and all of the

887
00:39:39,280 --> 00:39:41,120
Speaker 4: drinks there and spending the day there. I'm not going

888
00:39:41,120 --> 00:39:42,920
Speaker 4: to like a night concert and then coming home.

889
00:39:43,080 --> 00:39:45,200
Speaker 2: No, no, it's a family affair.

890
00:39:45,320 --> 00:39:47,600
Speaker 4: Yeah yeah, so like it's a slippery slope.

891
00:39:47,680 --> 00:39:50,799
Speaker 2: So yeah, definitely, my worst money habit is suggesting fun

892
00:39:50,840 --> 00:39:52,560
Speaker 2: activities and my husband's saying.

893
00:39:52,400 --> 00:39:55,640
Speaker 4: Yes, yeah, okay, So our husband's are our downfall. That

894
00:39:55,760 --> 00:39:59,600
Speaker 4: is okay, our current husbands, our current money dost I

895
00:39:59,640 --> 00:40:02,240
Speaker 4: do have a question to like circle back to the start.

896
00:40:02,280 --> 00:40:04,560
Speaker 4: You said, look, I think I'm comfortably a B. But

897
00:40:04,600 --> 00:40:06,319
Speaker 4: then you went on to tell me, like I've got

898
00:40:06,320 --> 00:40:08,640
Speaker 4: this really great career that I love as a midwife,

899
00:40:08,719 --> 00:40:11,719
Speaker 4: Like I'm on one thirty k ish every financial year,

900
00:40:12,120 --> 00:40:14,440
Speaker 4: like I regularly do over time. You've clearly got your

901
00:40:14,440 --> 00:40:17,040
Speaker 4: stuff together because you are paying your bills in advance

902
00:40:17,160 --> 00:40:20,120
Speaker 4: every two weeks. Like you've just signed a mortgage. I

903
00:40:20,160 --> 00:40:21,799
Speaker 4: mean it was one point two million dollars or one

904
00:40:21,840 --> 00:40:23,799
Speaker 4: point two five million dollars, which is crazy, but you

905
00:40:23,840 --> 00:40:26,880
Speaker 4: only owe one point one million dollars and you also

906
00:40:27,000 --> 00:40:30,360
Speaker 4: have one hundred and thirteen thousand dollars in your offset account.

907
00:40:30,560 --> 00:40:33,080
Speaker 4: You casually dropped that you had one hundred and twenty

908
00:40:33,239 --> 00:40:36,480
Speaker 4: nine thousand dollars in your superannuation, which, by the way,

909
00:40:36,960 --> 00:40:39,240
Speaker 4: very very good amount for your age.

910
00:40:39,600 --> 00:40:39,960
Speaker 2: Thank you.

911
00:40:40,160 --> 00:40:42,880
Speaker 4: So I just feel like we're tracking pretty bloody well.

912
00:40:43,280 --> 00:40:45,480
Speaker 4: What would it take to get you from a B

913
00:40:45,680 --> 00:40:46,040
Speaker 4: to an A?

914
00:40:46,280 --> 00:40:46,400
Speaker 5: Like?

915
00:40:46,400 --> 00:40:48,040
Speaker 4: What does an A look like to you? Because like

916
00:40:48,040 --> 00:40:50,160
Speaker 4: in my head, I'm like, oh, you're very close to

917
00:40:50,200 --> 00:40:50,960
Speaker 4: a territory.

918
00:40:51,120 --> 00:40:52,960
Speaker 2: Maybe some more education.

919
00:40:52,880 --> 00:40:54,920
Speaker 4: I can help you with that. Actually, I have a suggestion.

920
00:40:55,000 --> 00:40:55,919
Speaker 4: We can talk about it later.

921
00:40:56,440 --> 00:40:58,960
Speaker 2: I keep throwing around the idea of an investment property

922
00:40:59,000 --> 00:41:01,120
Speaker 2: to my husband, but I'm sure if that's the best

923
00:41:01,239 --> 00:41:05,239
Speaker 2: idea for us for our retirement, I'm not sure. So

924
00:41:05,360 --> 00:41:08,120
Speaker 2: probably I would say education would get me to an A.

925
00:41:08,440 --> 00:41:10,680
Speaker 4: I love that, and I think that that's really important

926
00:41:10,719 --> 00:41:15,799
Speaker 4: because I think education would also help you contextualize where

927
00:41:15,840 --> 00:41:17,880
Speaker 4: you're sitting because at the moment, if I have a

928
00:41:17,880 --> 00:41:20,759
Speaker 4: look at like your super for example, you probably don't

929
00:41:20,800 --> 00:41:23,080
Speaker 4: know this because when I said, oh, that's really good,

930
00:41:23,080 --> 00:41:26,440
Speaker 4: you're like, oh, really was it? But the average superannuation

931
00:41:27,000 --> 00:41:28,880
Speaker 4: for a woman between the age of thirty five and

932
00:41:28,920 --> 00:41:32,040
Speaker 4: thirty nine is about eighty six thousand dollars. Oh, so

933
00:41:32,120 --> 00:41:34,879
Speaker 4: you're already running rings around that, like you're already ahead

934
00:41:34,920 --> 00:41:36,920
Speaker 4: of the curve. And I think that that's really exciting.

935
00:41:36,960 --> 00:41:39,200
Speaker 4: And if I go on to like a different super website,

936
00:41:39,440 --> 00:41:42,080
Speaker 4: which is a little bit more conservative, it says here

937
00:41:42,280 --> 00:41:45,120
Speaker 4: that the average superannuation balance for a woman between the

938
00:41:45,160 --> 00:41:47,760
Speaker 4: age of thirty five and thirty ninety seventy one thousand dollars.

939
00:41:47,840 --> 00:41:49,759
Speaker 2: I know it doesn't make much difference, but I do

940
00:41:49,880 --> 00:41:52,880
Speaker 2: turn forty in two weeks, so just does that make

941
00:41:52,920 --> 00:41:53,520
Speaker 2: a difference.

942
00:41:53,719 --> 00:41:56,800
Speaker 4: Okay, so the average forty year old has one hundred

943
00:41:56,920 --> 00:41:58,040
Speaker 4: thousand dollars in super.

944
00:41:58,160 --> 00:41:59,960
Speaker 2: Oh so I'm still above average.

945
00:42:00,160 --> 00:42:04,399
Speaker 4: You're still running rings around it like you're still killing it.

946
00:42:04,560 --> 00:42:07,600
Speaker 4: And I think that that's really important to contextualize. So

947
00:42:07,600 --> 00:42:10,560
Speaker 4: I think education is also about going, hey, actually, I'm

948
00:42:10,600 --> 00:42:13,160
Speaker 4: able to recognize where I'm building well and maybe could

949
00:42:13,239 --> 00:42:16,160
Speaker 4: continue building well because we need to give ourselves credit

950
00:42:16,200 --> 00:42:17,280
Speaker 4: as women, we just don't.

951
00:42:17,440 --> 00:42:20,600
Speaker 2: Yeah, I guess we always think there's somewhere we can improve.

952
00:42:20,640 --> 00:42:22,759
Speaker 4: One hundred percent, and we're all starting our journey at

953
00:42:22,760 --> 00:42:25,480
Speaker 4: different times and like for different things, but like we

954
00:42:25,520 --> 00:42:28,120
Speaker 4: all have different priorities as well, So I just think

955
00:42:28,160 --> 00:42:30,200
Speaker 4: you're doing really well and if that's what it takes

956
00:42:30,200 --> 00:42:31,720
Speaker 4: for you to get to an A, then that's fine.

957
00:42:31,760 --> 00:42:33,920
Speaker 4: But you're already on the right path. So I'm kind

958
00:42:33,920 --> 00:42:36,280
Speaker 4: of like she doesn't really need my health, so that's fantastic.

959
00:42:36,360 --> 00:42:37,399
Speaker 2: Thank you for the pep talk.

960
00:42:37,760 --> 00:42:40,200
Speaker 4: No, I love it well, money Dirives. I am very

961
00:42:40,200 --> 00:42:42,120
Speaker 4: sad that we have run out of time. It has

962
00:42:42,200 --> 00:42:44,000
Speaker 4: been a journey. I just feel like we would be

963
00:42:44,040 --> 00:42:46,719
Speaker 4: really good friends off air, so hopefully at some point

964
00:42:46,800 --> 00:42:49,400
Speaker 4: we get to cross paths in person. But thank you

965
00:42:49,480 --> 00:42:51,680
Speaker 4: so much for sharing your journey and your story and

966
00:42:51,719 --> 00:42:55,040
Speaker 4: so many just different parts that I know our community

967
00:42:55,120 --> 00:42:56,160
Speaker 4: is going to be obsessed with.

968
00:42:56,280 --> 00:42:58,120
Speaker 2: No Worri. Thank you so much for having me and

969
00:42:58,160 --> 00:43:01,879
Speaker 2: for listening to me Ramball the first time talking to you, of.

970
00:43:01,840 --> 00:43:03,359
Speaker 4: Course, thank you so much.

971
00:43:09,840 --> 00:43:12,400
Speaker 5: The advice shared on She's on the Money is general

972
00:43:12,440 --> 00:43:13,719
Speaker 5: in nature and does not.

973
00:43:13,719 --> 00:43:15,680
Speaker 4: Consider your individual circumstances.

974
00:43:16,040 --> 00:43:19,440
Speaker 5: She's on the Money exists purely for educational purposes and

975
00:43:19,480 --> 00:43:21,920
Speaker 5: should not be relied upon to make an investment or

976
00:43:22,000 --> 00:43:25,600
Speaker 5: financial decision. If you do choose to buy a financial product,

977
00:43:25,640 --> 00:43:30,040
Speaker 5: read the PDS, TMD and obtain appropriate financial advice tailored.

978
00:43:29,680 --> 00:43:30,560
Speaker 4: Towards your needs.

979
00:43:30,920 --> 00:43:34,880
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

980
00:43:34,920 --> 00:43:38,399
Speaker 5: of Money. Sheper Pty Ltd A b N three two

981
00:43:38,440 --> 00:43:42,399
Speaker 5: one six four nine two seven seven zero eight AFSL

982
00:43:42,560 --> 00:43:48,560
Speaker 5: four five one two eight nine