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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud your

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, 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: Millennials who want financial freedom. Welcome back to another shot

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Speaker 4: back money Diary Monday, where we get to chat to

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Speaker 4: one of our community members to learn about their life

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Speaker 4: and their story and their relationship with money and all

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Speaker 4: the juicy bits in between.

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Speaker 2: Victoria Jesse Car how are you. I am excited.

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Speaker 4: I have a really interesting diarist today. Let me tell

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Speaker 4: you all about them. They said, Hey, She's on the

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Speaker 4: Money team. Being a twenty two year old first gen

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Speaker 4: immigrant from Sri Lanka, my life has always revolved around finances.

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Speaker 4: My financial wellbeing has taken a dip in twenty twenty

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Speaker 4: two thanks to the compounding effect of trying to afford rent, study,

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Speaker 4: my master's in psychology, work three casual jobs, and all

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Speaker 4: the whilst dealing with the worst economic crisis my home

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Speaker 4: country has ever seen.

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Speaker 2: Holy Moly.

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Speaker 4: Like a lot of other immigrants, I find myself getting

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Speaker 4: caught between the struggle of wanting to live the twenty

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Speaker 4: two year old carefree life and the pressure of having

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Speaker 4: to have my shit together so I can provide for

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Speaker 4: my parents because they have no retirement funds. Whilst my

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Speaker 4: story is not unique, I feel like it's a valuable

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Speaker 4: discussion to have with this community and I can't wait

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Speaker 4: to share.

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Speaker 3: Well that's giving me groose bumps. Money Diarist, welcome to

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Speaker 3: the show. Thank you for joining us.

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Speaker 5: Thank you so much for having me. I really appreciate it.

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Speaker 2: Oh my god, don't be silly. I hate that you said.

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Speaker 3: Oh my money story isn't unique, Like yes, city is

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Speaker 3: that everybody's is. You might have some shared experiences, but

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Speaker 3: I promised nobody in this entire world has a matching

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Speaker 3: money story. It's kind of like a fingerprint. But how

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Speaker 3: about we get into it. I really want to hear

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Speaker 3: about this one. All right, money diarists, can you tell

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Speaker 3: us a little bit about your money story?

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Speaker 5: Okay, So I feel like I have a bit of

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Speaker 5: a anxious attachment to money, like a true sych but

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Speaker 5: this manifests an almost a scarcity mindset when it comes

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Speaker 5: to money, and that's probably heavily related to my childhood.

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Speaker 5: So for context, I am a twenty two year old

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Speaker 5: first gen immigrant from Sri Lanka and growing up, my

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Speaker 5: family would be classed's low income. So we grew up

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Speaker 5: receiving family benefits from you know, Centralink and youth Allowance,

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Speaker 5: which I just want to say, like, we're so privileged

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Speaker 5: to live in a country that has such good social security,

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Speaker 5: so very grateful for that. And my parents are really

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Speaker 5: you know, smart, skilled, hard working people. But because of

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Speaker 5: certain circumstances, my dad had to live in Sri Lanka

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Speaker 5: while my mom essentially raised us on her own in

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Speaker 5: Australia in a new country. Props to her so amazing

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Speaker 5: so in terms of family income, So even when Sri

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Speaker 5: Lanka wasn't going through a financial crisis, converting a Sri

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Speaker 5: Lankan salary to Australian dollars is obviously not that stellar.

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Speaker 5: And because my dad was the I guess, primary income earner.

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Speaker 5: And additionally, my mom had to retire early or stop

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Speaker 5: working early because she had a workplace injury, so she

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Speaker 5: was predominantly a stay at homer. So safe to say

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Speaker 5: that money was very tight growing up, and there was

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Speaker 5: a lot of rhetoric about being able to afford things,

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Speaker 5: and I was very very conscious of the concept of

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Speaker 5: money from a very young age. But I guess I'm

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Speaker 5: saying that, like, I'm really grateful for where I came from,

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Speaker 5: and I feel so blessed that everything that my parents

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Speaker 5: did for my sister and I, and I genuinely didn't

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Speaker 5: feel like I missed out on anything as a child.

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Speaker 5: It was more the sacrifice was on my parents' end.

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Speaker 5: You know, they kind of sacrifice living with their partner.

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Speaker 5: They didn't really indulge in any discretionary spending, you know,

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Speaker 5: buying clothes or going out to eat. But most notably,

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Speaker 5: they didn't invest into their financial future in the conventional

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Speaker 5: Australian way of you know, super and investments, So instead

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Speaker 5: they kind of funneled all their money into us and

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Speaker 5: our education and in a weird way where kind of

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Speaker 5: their investments and sometimes I feel like there's a huge

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Speaker 5: pressure to almost be a good return on that investment

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Speaker 5: and be able to take care of them financially and

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Speaker 5: help them retire and actually enjoy their life. So yeah,

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Speaker 5: that's kind of my money story in a nutshell.

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Speaker 2: Is your dad here now?

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Speaker 5: No, he still lives in Tri Lanka, so he's not

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Speaker 5: a citizen, whereas like the rest my sister, my mum

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Speaker 5: and I are So he.

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Speaker 4: My gosh, that must be so hard for you guys.

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Speaker 5: Yeah, it was pretty tough, especially for my mum, like

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Speaker 5: obviously being in a new country. At one point she

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Speaker 5: was working full time and trying to look after two toddlers,

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Speaker 5: which I just can't imagine how crazy that would have been.

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Speaker 5: So yeah, she's honestly done such an amazing job.

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Speaker 6: Wow.

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Speaker 3: Yes, it sounds like it is there any plan in

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Speaker 3: the future for him to join you guys, it's.

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Speaker 6: Kind of tricky.

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Speaker 5: I feel like eventually, yes, and I think it would

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Speaker 5: be easier for him, you know, to live here long term,

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Speaker 5: just because the rest of his family does. But in

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Speaker 5: terms of wrapping up kind of whatever's going on in

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Speaker 5: TL like right now and figuring that out. It's kind

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Speaker 5: of hard for him to move here. And also we're

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Speaker 5: kind of waiting till me and my sister get jobs

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Speaker 5: and we start earning an income, so if he does leave,

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Speaker 5: then we can kind of cover things.

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Speaker 3: Oh wow, that's such an intricate but special place to be.

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Speaker 3: I know it's not the ideal outcome, but like that

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Speaker 3: also feels like a lot of pressure on you money diarist.

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Speaker 5: Yeah, definitely a lot of pressure. But I've got my

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Speaker 5: sister to share the pressure with.

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Speaker 2: So totally all right.

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Speaker 3: I want to know you mentioned in your writing that

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Speaker 3: you have three casual jobs. What do you do for

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Speaker 3: work at the moment? How much money do you actually earn?

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Speaker 6: Great question.

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Speaker 5: So, as I said before, I'm a full time master's

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Speaker 5: student in like a psychology master's student, which takes up

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Speaker 5: most of my time between like clients and admin and classes.

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Speaker 5: So my main job would be something I picked up

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Speaker 5: in the middle of this year, which is essentially like

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Speaker 5: a tech job at my university, very random. My second

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Speaker 5: job is like casual academic work, so I teach a

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Speaker 5: couple of tutorials after hours and also mark student assignments.

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Speaker 5: And my third job is doing some casual like research

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Speaker 5: assistant work for the lab that I did my honors with,

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Speaker 5: which is really cool. But in terms of the actual number,

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Speaker 5: it's really hard to pinpoint because it can just vary

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Speaker 5: so vastly depending on how many shifts that I pick up.

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Speaker 5: But I kind of estimated between five hundred dollars to

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Speaker 5: one thousand dollars a week, and I would say collectively,

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Speaker 5: I probably wouldn't be earning more than thirty five to

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Speaker 5: forty thousand dollars in a year as a full time student,

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Speaker 5: but I'm very keen to finish studying and actually starting

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Speaker 5: a full time.

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Speaker 3: Wage understandably, So al right, I want to know. Sounds

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Speaker 3: like you're pretty clear on this, but what is big

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Speaker 3: money goal? What are you currently working towards?

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Speaker 5: So one of my more short term goals is to

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Speaker 5: save a bit of money so I can do some

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Speaker 5: solo travel after my masters, because I didn't really do

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Speaker 5: much of that when I was younger, so I think

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Speaker 5: that's a really important thing to like experience different cultures.

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Speaker 5: My second big money goal would be to, like many others,

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Speaker 5: like get an investment property one day, but honestly, the

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Speaker 5: idea of that, like navigating that space seems so daunting

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Speaker 5: because I don't really have any, like I guess, mentors

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Speaker 5: in that area. So that's kind of something that I

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Speaker 5: just am hoping for down the line, and I guess

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Speaker 5: the biggest one would be to earn enough to support

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Speaker 5: myself and also my parents.

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Speaker 3: Yeah, of course, of course, all right, next question, do

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Speaker 3: you currently invest?

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Speaker 5: Yes, I do have some investments, the best one being

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Speaker 5: super so I tried to contribut as much as I can,

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Speaker 5: and I think I have around fifteen thousand Tuck dawayne

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Speaker 5: there at the moment.

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Speaker 2: Who is she cas I you're working full time?

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Speaker 3: Masters has a massive investment portfolio that's unrelatable content, my love.

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Speaker 5: I've also got some stock investments as well, so I

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Speaker 5: think collectively, across a few platforms, I've got about fifty

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Speaker 5: seven thousand in there at the moment.

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Speaker 2: Wow, what oh my gosh, A queen.

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Speaker 4: A few other investments.

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Speaker 3: A couple, just a couple has a sneaky entire house

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Speaker 3: deploset plus some hidden away.

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Speaker 5: But like a huge disclaimer, I lived at home during

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Speaker 5: undergrad so even like paying bills and board, this does

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Speaker 5: not amount to how much it actually costs to live

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Speaker 5: out of home of course, So yeah, I'm very like

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Speaker 5: privileged to be able to but I'm proud of that amount.

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Speaker 5: And technically this is an investment, but I've got about

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Speaker 5: nine thousand in my emergency fund and that I feel

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Speaker 5: like is an investment in myself because it just helps

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Speaker 5: me sleep at night and knowing that if something went wrong,

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Speaker 5: there wasn't anyone that I could really rely on without

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Speaker 5: putting them in a worse financial position. So having that

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Speaker 5: buffer is just so important to me.

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Speaker 6: So I call it an investment.

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Speaker 3: I think it's an investment, absolutely, and I think it's

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Speaker 3: really special for you to be in that position because

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Speaker 3: I'm sure that's a position your parents would you know,

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Speaker 3: never have even dreamt of being in themselves, which would

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Speaker 3: I'm assuming make them so proud of you and know

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Speaker 3: that you're absolutely killing it and the sacrifices they've made,

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Speaker 3: is you know they're really paying off?

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Speaker 6: Yeah, I think they are.

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Speaker 5: I think they are pretty proud, which is Yeah, it's

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Speaker 5: a nice.

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Speaker 3: Feeling, understandably. So al right, money diarist, I want to know.

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Speaker 3: I think the answer to this, Jessica is a no.

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Speaker 3: But do you currently have any debts? I don't have

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Speaker 3: any personal debt or like credit card debt. But I

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Speaker 3: do have quite a hefty amount of HEX debt because

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Speaker 3: obviously studying psych. So it's currently sitting at thirty four

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Speaker 3: thousand at the moment, thanks indexation, but it will actually

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Speaker 3: go up to thirty eight thousand once I finished my masters.

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Speaker 2: Yeah.

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Speaker 5: Yeah, so that's a bit stressful, but it could have

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Speaker 5: been worse. I got lucky with this CSP funded place,

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Speaker 5: but I definitely know lots of psych people who have

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Speaker 5: like HEX sets nearing the hundred thousand dollar mark.

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Speaker 3: Because cough, Victoria divine.

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Speaker 6: So yeah, it's such a long process.

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Speaker 3: Oh my love, I feel you like, it feels like

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Speaker 3: a lot, And I now don't worry about it at

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Speaker 3: all because I feel like I have a way better

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Speaker 3: education on it. But when I did my undergraduate degree

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Speaker 3: that added up. Then I did my postgraduate, then I

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Speaker 3: did a master's, and then I've gone back and done

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Speaker 3: some random other things, and like, we're currently sitting at

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Speaker 3: one hundred plus thousand dollars and that gives me mad

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Speaker 3: anxiety when I look at it, because I hate the

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Speaker 3: idea of debt. But at the same time, I'm like, no,

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Speaker 3: it's got me here, Like we've been doing pretty well

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Speaker 3: so far. Yeah, And you know, I guess reframing that

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Speaker 3: really helps because as much as it's a debt that

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Speaker 3: doesn't carry any interest, which is nice, it does still

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Speaker 3: have indexation, so we do have to be careful of it.

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Speaker 3: But at the same time, I get why it's not

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Speaker 3: a priority for most people to pay off because I'm

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Speaker 3: not making it a priority because it hasn't gotten in

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Speaker 3: my way of creating wealth or buying a house. And

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Speaker 3: I like the idea that if I wasn't making any

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Speaker 3: income at all, they're not going to chase me for it,

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Speaker 3: whereas that is not the case with a mortgage or

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Speaker 3: a personal loan. Money diarist, I need to know you

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Speaker 3: sound pretty savvy. Do you currently use shopback?

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Speaker 6: Yes? I do. I've been using this, of.

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Speaker 2: Course she does, Yes, now a couple of years. Of

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Speaker 2: course you do.

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Speaker 5: I checked my lifetime earning that it was one hundred

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Speaker 5: and eighty dollars rich.

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Speaker 6: Yeah, I'll take that.

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Speaker 3: That has a lot of cash like that is a

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Speaker 3: shopping spray on the iconic for me.

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Speaker 2: What was your last shot back purchase?

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Speaker 6: Was it? I think it was something from the I

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Speaker 6: kind of actually.

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Speaker 2: Yeah, relatable content I love to say it.

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Speaker 3: All right, next question, I feel like you're gonna have

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Speaker 3: a really good tip for us here. What is your

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Speaker 3: best money habit?

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Speaker 5: I would say my best money habit is, if I

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Speaker 5: do say so myself, my work ethic and discipline when

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Speaker 5: it comes to earning and saving money. I've been working

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Speaker 5: since the age of twelve with like netball, umpiring and whatnot,

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Speaker 5: and I've taken a couple of years break in like

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Speaker 5: later high school. But yeah, working since the age of

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Speaker 5: twelve and kind of saving always been a good saver,

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Speaker 5: full credit to my parents. But I'm also I feel

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Speaker 5: very disciplined when it comes to spending money on things.

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Speaker 6: That I really value.

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Speaker 5: So, for example, I don't really value eating out as much,

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Speaker 5: so I'm really good at like making my food at

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Speaker 5: home and taking it to work in school. But on

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Speaker 5: the other hand, I really value like living in a

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Speaker 5: really nice space that's like close to UNI and work,

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Speaker 5: and also really value the gym, so I'll spend a

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Speaker 5: bit more on those things, but then I'll save one

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Speaker 5: things that I don't really care too much about.

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Speaker 6: Yeah.

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Speaker 2: No, that makes absolute sense.

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Speaker 3: And I feel like this is a really common theme,

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Speaker 3: Jess that we see in a lot of our money.

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Speaker 3: Diarist kids of immigrant parents are absolute queens with money,

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Speaker 3: Like they just are so good and I feel like

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Speaker 3: have such wholesome values and have parents that just go

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Speaker 3: above and beyond for them. And you guys need way

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Speaker 3: more credit because we have so much to learn from you.

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Speaker 3: On the flip side, what is something we don't want

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Speaker 3: to learn from you? What is your worst money have it?

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Speaker 5: I guess I touched on this in the intro in

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Speaker 5: the letter that I wrote, But my worst money habit

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Speaker 5: would be I don't know if it could be classed

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Speaker 5: as a money habit, but it's the level of guilt

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Speaker 5: that I feel when I spend money on discretionary things,

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Speaker 5: knowing that there are people in worse situations that are

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Speaker 5: struggling to make it out, just make it out here.

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Speaker 5: And yeah, just the guilt of spending things that are

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Speaker 5: not seen as like productive or actually contributing to anything.

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Speaker 5: It's just very stressful and like you want to assimilate

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Speaker 5: and kind of do all these like really fun things

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Speaker 5: and go traveling and whatnot, but then you also think about, Okay,

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Speaker 5: that money could be allocated to you know, family, you

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Speaker 5: might need it more or back into your future to

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Speaker 5: give yourself that financial backing. So the guilt that I

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Speaker 5: feel whenever I do spend money on Like I spent

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Speaker 5: like one hundred dollars in a night out the other week,

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Speaker 5: and yeah, I just respiraling just thinking about how much

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Speaker 5: money that I kind of just blew like that.

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Speaker 2: So how are you working through that?

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Speaker 3: Because I feel like that's a really big piece of

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Speaker 3: the puzzle for a lot of people in your situation,

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Speaker 3: because you know, I understand the guilt. I totally get it,

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Speaker 3: especially when it's so I mean, every single one of

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Speaker 3: us has that on us though, like you know, there

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Speaker 3: is always quoite, a better.

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Speaker 2: Thing to spend it on. Does it mean you shouldn't

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Speaker 2: spend it.

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Speaker 3: Absolutely not, But I would love to know are you

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Speaker 3: working through that? Is that something that you're like, oh,

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Speaker 3: like I haven't really addressed it. I mean, you're working

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Speaker 3: in psych you're doing your master's. Is this something you've

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Speaker 3: spoken to someone about, Like I feel like this is

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Speaker 3: a really big thing that we need to talk about

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Speaker 3: more in our community.

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Speaker 6: That's a really.

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Speaker 5: Good question, and I try to remind myself that it

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Speaker 5: is okay. And I think even the decision to kind

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Speaker 5: of so I moved from my home States, so I

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Speaker 5: used to live in Victoria and I moved to like

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Speaker 5: Brisbane to kind of challenge the idea that I always

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Speaker 5: have to take the route that is going to be

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Speaker 5: like the cheapest or I'm going to like save the

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Speaker 5: most money, and that I could you know. Yeah, So

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Speaker 5: I've kind of taken actions that will force me to

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Speaker 5: spend more money but allow me to kind of grow

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Speaker 5: in other ways and see that I guess the benefit

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Speaker 5: of spending money in certain situations, like for example, on

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Speaker 5: that night out. Yes it wasn't productive, but I really

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Speaker 5: had a really good time and it set me up

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Speaker 5: for like a good week. So trying to reframe things

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Speaker 5: like that, but it's definitely easier so than done.

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Speaker 2: Oh one hundred percent.

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Speaker 3: I totally get it, And I mean it all goes

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Speaker 3: back to you being able to be your best self,

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Speaker 3: because when you're your best self, you can fill other

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Speaker 3: people's cups in the best possible way. And if you

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Speaker 3: feel really constricted, that ultimately is going to lead to

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Speaker 3: some form of burnout or tiresome or you might feel

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Speaker 3: some level of, you know, being overwhelmed with the responsibility

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Speaker 3: that's on you. So I think we need to find

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Speaker 3: a happy balance. But I do think it's quite normal

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Speaker 3: to want to talk about it as well and go oh,

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Speaker 3: I feel so guilty. But also you shouldn't, my love,

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Speaker 3: like you are doing the best that you possibly can.

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Speaker 3: In fact, you're doing way more than most of us.

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Speaker 3: So always always look back at that money dire. If

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Speaker 3: we forced you to give yourself a money grade, what

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Speaker 3: would you rate your money habits?

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Speaker 5: I would probably give myself an A. You know, I

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Speaker 5: think I've developed some good money habits over my life. Yeah,

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Speaker 5: there's some like skills and goals that I need to

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Speaker 5: work towards, but I think I've done Okay, I would.

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Speaker 2: Not agree more, my love.

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Speaker 3: All right, let's go to a quick break, and right

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Speaker 3: after the break, I want to dive a little bit

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Speaker 3: more into your money story.

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Speaker 2: Don't go anywhere.

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Speaker 4: Welcome back to She's on the money and money Diaris.

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Speaker 4: I want to start by adding a little bit of

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Speaker 4: additional context, if that's okay. You mentioned in your letter.

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Speaker 4: Obviously there's a really severe economic crisis going on right

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Speaker 4: now in your home country of Sri Lanka. For anyone

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Speaker 4: who's not familiar or hasn't been kind of keeping up

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Speaker 4: with that, can you just give us a really, I guess,

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Speaker 4: high level summary of what's going on and how that

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Speaker 4: has kind of then impacted your family and what you

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Speaker 4: guys have been going through.

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Speaker 5: Absolutely, So Sri Lanka is basically going through their worst

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Speaker 5: financial crisis, so they declared bankruptcy. And what's kind of

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Speaker 5: happening is people are struggling to get access to essential goods.

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Speaker 5: They're like food, fuel, and medicines. People are experiencing daily

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Speaker 5: power cuts for like twelve to thirteen hours because of

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Speaker 5: resource shortages. I remember a couple of weeks ago, I

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Speaker 5: was trying to speak to my granddad but he could

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Speaker 5: only spare like a few minutes because he had to

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Speaker 5: reserve like his phone battery in case, like there was

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Speaker 5: an actual emergency or he had to use it for

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Speaker 5: other reasons.

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Speaker 6: So, yeah, it's.

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Speaker 5: Incredibly sad to see, you know, especially so many kids

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Speaker 5: that are at school trying to learn and they can't

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Speaker 5: because they're like paper shortages, power cuts, and they obviously

383
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Speaker 5: really do want to learn a lot of them. The

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Speaker 5: inflation rate is at seventy percent I think that was

385
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Speaker 5: in September, which is crazy to even fathom. And the

386
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Speaker 5: andy has also like plummeted, worsening the financial situation of

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Speaker 5: many families, including myself because obviously my dad still lives there,

388
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Speaker 5: Most of my family on my mom's side still lives there,

389
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Speaker 5: and so yeah, it's just looking pretty grim in terms

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Speaker 5: of how they're gonna come back from that, and especially

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Speaker 5: because businesses can't really operate when there are these power

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Speaker 5: cuts and there are these shortages, and people aren't getting

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Speaker 5: the right nutrition or their basic needs aren't being met.

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Speaker 5: So yeah, a lot of people are definitely negatively affected

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Speaker 5: by this, and I don't really know what the solution

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Speaker 5: would be.

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Speaker 4: It's absolutely awful, and I think we definitely, I absolutely

398
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Speaker 4: am guilty of forgetting how privileged we are here. You know,

399
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Speaker 4: we've been talking about our rates rises and you know,

400
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Speaker 4: inflation here and we're like, oh my gosh, it's so bad,

401
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Speaker 4: and then you look to somewhere actual anker and you're like,

402
00:20:56,119 --> 00:20:59,480
Speaker 4: it's seventy percent. Like how can anybody even afford to

403
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Speaker 4: be a love, let alone to do anything or enjoy

404
00:21:02,760 --> 00:21:05,480
Speaker 4: their life on any level? You know, you said before

405
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Speaker 4: that it's really tricky obviously with everything going on, getting

406
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Speaker 4: your dad and the rest of your family back over here.

407
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Speaker 4: How has that I guess kind of impacted the choices

408
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Speaker 4: that you have made and that your sister have made,

409
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Speaker 4: because you've said the investment that they ultimately made within

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Speaker 4: you guys and in your education, And that's a big

411
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Speaker 4: way to carry on your shoulders to know that the

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Speaker 4: future of your families, I guess kind of resting on you.

413
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Speaker 4: And then overlaid over the top of that, there's obviously

414
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Speaker 4: all of the anxiety you must be feeling around their

415
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Speaker 4: safety and their well being and can they access food

416
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Speaker 4: and water and things that no one should ever have

417
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Speaker 4: to worry about. Has that shaped the choices that you

418
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Speaker 4: have made for yourself in terms of your career and

419
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Speaker 4: the opportunities that you're trying to seek out.

420
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Speaker 5: Definitely, I think I don't know if the christ has

421
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Speaker 5: happened like earlier, I don't know if I would have

422
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Speaker 5: even moved into States, So yeah, I think that would

423
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Speaker 5: have really impacted my decisions and changed my priority just

424
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Speaker 5: because it was more expensive and my money could have

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Speaker 5: been put to better use, I guess. So yeah, In

426
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Speaker 5: terms of now, it's me just trying to make sure

427
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Speaker 5: that I can finish my education as soon as possible

428
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Speaker 5: and look for full time work and not really taking

429
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Speaker 5: a break. I suppose I wonder when and if I

430
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Speaker 5: will burn out at some point, which is yeah, but

431
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Speaker 5: just trying to finish things as soon as possible and

432
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Speaker 5: not really you know, it's filling my day with either

433
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Speaker 5: work or UNI and just working like seven days a week,

434
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Speaker 5: trying to do everything so it doesn't take me extra

435
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Speaker 5: time that I don't really have because obviously my parents

436
00:22:50,800 --> 00:22:54,360
Speaker 5: are getting older as well, and like my granddad as well,

437
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Speaker 5: like trying to figure out how we can look after everyone.

438
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Speaker 5: So it's it's very much that like collectivist culture as well,

439
00:23:02,080 --> 00:23:04,639
Speaker 5: where you don't really think about yourself and you have

440
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Speaker 5: to think about the whole family unit and what that

441
00:23:06,680 --> 00:23:07,159
Speaker 5: looks like.

442
00:23:07,280 --> 00:23:08,720
Speaker 6: So I hope that kind of.

443
00:23:08,800 --> 00:23:11,800
Speaker 4: Is that's a big sacrifice from you to give up

444
00:23:12,040 --> 00:23:14,679
Speaker 4: not your use. That sounds very dramatic, but you know,

445
00:23:14,760 --> 00:23:16,440
Speaker 4: to give up things that you want to do. You

446
00:23:16,520 --> 00:23:18,280
Speaker 4: said you want to travel and you want to live

447
00:23:18,320 --> 00:23:21,280
Speaker 4: your care free life. To give that up and go, oh, like,

448
00:23:21,400 --> 00:23:23,280
Speaker 4: I probably am going to burn out and I'm just

449
00:23:23,280 --> 00:23:25,119
Speaker 4: going to have to deal with that when that comes.

450
00:23:25,160 --> 00:23:27,080
Speaker 4: That's a lot for you to take on and for

451
00:23:27,119 --> 00:23:29,560
Speaker 4: your sister as well to take on. I can't imagine

452
00:23:29,560 --> 00:23:32,600
Speaker 4: how hard it is, but it's very impressive that you

453
00:23:32,680 --> 00:23:34,760
Speaker 4: guys are doing everything that you can and that you

454
00:23:34,800 --> 00:23:37,679
Speaker 4: still seem so positive and so happy, and yeah, I

455
00:23:37,720 --> 00:23:39,320
Speaker 4: just can't imagine being in that situation.

456
00:23:39,560 --> 00:23:42,479
Speaker 3: It's a lot you kind of want to articulate it

457
00:23:42,520 --> 00:23:44,920
Speaker 3: as that's a really big burden to carry. But I

458
00:23:44,920 --> 00:23:47,240
Speaker 3: would never want people to feel like their parents or

459
00:23:47,280 --> 00:23:49,320
Speaker 3: their family is a burden. But you know what I'm

460
00:23:49,320 --> 00:23:51,320
Speaker 3: getting to, like, it's kind of like, yeah, it's this

461
00:23:51,440 --> 00:23:54,119
Speaker 3: weight that you carry, but it's like obviously a choice

462
00:23:54,160 --> 00:23:56,880
Speaker 3: as well, Like there's an element of this isn't a choice,

463
00:23:56,920 --> 00:23:58,920
Speaker 3: but also it's a total choice. And I just think

464
00:23:58,920 --> 00:24:01,600
Speaker 3: that that's really beautiful that you, I guess, lean into

465
00:24:01,600 --> 00:24:03,879
Speaker 3: that and you clearly are so on that train of

466
00:24:03,920 --> 00:24:06,040
Speaker 3: like I want to help my family, I want them

467
00:24:06,040 --> 00:24:09,080
Speaker 3: to be in this position. I just I really admire that.

468
00:24:09,160 --> 00:24:11,439
Speaker 3: I have a lot of respect for it and anyone

469
00:24:11,520 --> 00:24:14,639
Speaker 3: else who's going through that circumstance. It's just so damn impressive.

470
00:24:15,000 --> 00:24:17,480
Speaker 4: Yeah, thanks, just out of curiosity.

471
00:24:17,520 --> 00:24:18,360
Speaker 2: When do you graduate.

472
00:24:18,600 --> 00:24:21,600
Speaker 5: I'll graduate at the end of next year, so I've

473
00:24:21,640 --> 00:24:22,640
Speaker 5: finished my masters.

474
00:24:22,840 --> 00:24:24,879
Speaker 3: That is very exciting. Tell me about what type of

475
00:24:24,960 --> 00:24:27,720
Speaker 3: job you want after your masters. Obviously there's like, what

476
00:24:27,880 --> 00:24:29,919
Speaker 3: is there seven streams of psychology? Which one are you

477
00:24:29,960 --> 00:24:30,400
Speaker 3: going into?

478
00:24:30,440 --> 00:24:30,800
Speaker 2: My love?

479
00:24:31,160 --> 00:24:34,399
Speaker 5: So I'm in the edend of education and developmental stream

480
00:24:34,440 --> 00:24:36,840
Speaker 5: at the moment, I don't know. I'll be doing X

481
00:24:36,880 --> 00:24:39,119
Speaker 5: and ships next year, so I think i'll get a

482
00:24:39,119 --> 00:24:42,600
Speaker 5: better idea of what I'm actually into. I don't think

483
00:24:42,640 --> 00:24:48,040
Speaker 5: it will be private practice. I feel more community based work.

484
00:24:49,160 --> 00:24:53,240
Speaker 5: But honestly, yeah, I have no idea.

485
00:24:53,359 --> 00:24:54,600
Speaker 6: I thought i'd figure it out.

486
00:24:55,240 --> 00:24:59,000
Speaker 3: You have heaps of time and thankfully studying psychology. There

487
00:24:59,000 --> 00:25:02,200
Speaker 3: are so many different options. I think I've spoken about

488
00:25:02,200 --> 00:25:03,760
Speaker 3: it on the podcast. I thought I was going to

489
00:25:03,760 --> 00:25:06,160
Speaker 3: be a counseling psychologist, and then I ended up going

490
00:25:06,160 --> 00:25:10,520
Speaker 3: into organizational psychology, which I didn't even know existed. Before

491
00:25:10,560 --> 00:25:12,520
Speaker 3: I started psychology, I was like, what do you mean

492
00:25:12,560 --> 00:25:13,920
Speaker 3: the science of people at work?

493
00:25:14,000 --> 00:25:14,920
Speaker 2: That's not a thing.

494
00:25:15,440 --> 00:25:17,639
Speaker 3: So there are just so many different ways to use

495
00:25:17,680 --> 00:25:19,879
Speaker 3: a psych degree. And look at me now, I'm not

496
00:25:20,000 --> 00:25:23,840
Speaker 3: even in psychology, but I use it literally every single day.

497
00:25:24,240 --> 00:25:26,920
Speaker 3: So there will be something, I promise, And I can't

498
00:25:26,920 --> 00:25:29,000
Speaker 3: wait for you to find something that you love and

499
00:25:29,040 --> 00:25:30,760
Speaker 3: that you adore. And that you feel like you have

500
00:25:30,800 --> 00:25:33,480
Speaker 3: a really big impact in because I think that most

501
00:25:33,480 --> 00:25:35,840
Speaker 3: people who do psych they do it because they want

502
00:25:35,880 --> 00:25:37,560
Speaker 3: to fix things and they want to, you know, have

503
00:25:37,640 --> 00:25:40,320
Speaker 3: an impact in this world, and it just is another

504
00:25:40,400 --> 00:25:42,720
Speaker 3: testament to how much of a special human you are.

505
00:25:43,000 --> 00:25:46,119
Speaker 3: So thank you for joining us Money Diarist.

506
00:25:46,040 --> 00:25:47,119
Speaker 6: Thank you for having me on.

507
00:25:47,280 --> 00:25:47,959
Speaker 2: Oh my gosh.

508
00:25:48,000 --> 00:25:51,040
Speaker 4: Of course, before we let you go, I'm sure that

509
00:25:51,080 --> 00:25:52,600
Speaker 4: there will be a lot of people listening to this

510
00:25:52,680 --> 00:25:55,760
Speaker 4: episode who might be hearing about the economic crisis for

511
00:25:55,800 --> 00:25:57,800
Speaker 4: the first time and might be wondering what they can

512
00:25:57,840 --> 00:26:00,840
Speaker 4: do to help. Are there any resources or charities or

513
00:26:00,840 --> 00:26:04,160
Speaker 4: anything that you could recommend people look into if they

514
00:26:04,200 --> 00:26:05,240
Speaker 4: are wanting to help out.

515
00:26:05,480 --> 00:26:08,639
Speaker 5: Yeah, there's a few different fundraisers, and also I know

516
00:26:08,720 --> 00:26:12,000
Speaker 5: of a lot of local artists that have been creating

517
00:26:12,320 --> 00:26:17,600
Speaker 5: some like merch and the proceeds go to people in

518
00:26:17,640 --> 00:26:20,800
Speaker 5: Sri Lanka. So I could potentially actually send you guys

519
00:26:20,840 --> 00:26:22,840
Speaker 5: some links to thing.

520
00:26:22,960 --> 00:26:24,320
Speaker 2: Yeah, that would be great. We'll put them in the

521
00:26:24,359 --> 00:26:24,959
Speaker 2: show notes.

522
00:26:25,359 --> 00:26:26,840
Speaker 6: Yeah, that'd be good. That'd be awesome.

523
00:26:26,920 --> 00:26:29,400
Speaker 3: Yeah, that'd be so great. So Sense of Links will

524
00:26:29,400 --> 00:26:31,000
Speaker 3: make sure that they're in their show notes. So if

525
00:26:31,040 --> 00:26:33,760
Speaker 3: anyone wants to give a helping hand or even just

526
00:26:33,800 --> 00:26:36,080
Speaker 3: do some more research and become more educated on this.

527
00:26:36,200 --> 00:26:38,119
Speaker 3: There will be a few links in the show notes,

528
00:26:38,240 --> 00:26:41,119
Speaker 3: so definitely check them out. But with that, I think

529
00:26:41,200 --> 00:26:43,399
Speaker 3: that is a beautiful place to leave it. Money Dirist,

530
00:26:43,400 --> 00:26:46,240
Speaker 3: thank you for joining us, and as always jessic Ricci,

531
00:26:46,280 --> 00:26:49,000
Speaker 3: it has been a pleasure doing another money diary with you.

532
00:26:49,040 --> 00:26:50,800
Speaker 2: See you guys on Wednesday, See you then.

533
00:26:57,080 --> 00:26:59,679
Speaker 3: The advice shared on Cheese on the Money is generally

534
00:26:59,760 --> 00:27:03,639
Speaker 3: nate and does not consider your individual circumstances. She's on

535
00:27:03,720 --> 00:27:07,199
Speaker 3: the Money exists purely for educational purposes and should not

536
00:27:07,240 --> 00:27:10,240
Speaker 3: be relied upon to make an investment or financial decision.

537
00:27:10,640 --> 00:27:13,080
Speaker 3: If you do choose to buy a financial product, read

538
00:27:13,119 --> 00:27:17,240
Speaker 3: the PDS TMD and obtain appropriate financial advice tailored towards

539
00:27:17,280 --> 00:27:20,560
Speaker 3: your needs. Victoria Divine and She's on the Money are

540
00:27:20,600 --> 00:27:25,640
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541
00:27:25,680 --> 00:27:29,640
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542
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