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

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Speaker 1: the Order Kerni Whaltbury 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, a podcast

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Speaker 4: that makes personal finance fun, especially on Fridays. It is

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Speaker 4: our favorite day of the week because I get to

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Speaker 4: get my team together to celebrate you our incredible She's

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Speaker 4: on the Money community. Miss Jess Ricci, She's here to

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Speaker 4: share our favorite money wins. Miss bechsay Ed is here

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Speaker 4: sharing hope broke tips. And we're going to be helping

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Speaker 4: to answer a money dilemma, which this week is all

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Speaker 4: about choosing between contributing to your super or saving for

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Speaker 4: a home and something that you slid into our dms

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Speaker 4: about whether you should still give a wedding gift if

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Speaker 4: you've already spent a grand on being in the brinal party.

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Speaker 1: And said no.

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Speaker 4: Anyway, before I get into that and we get Jess's opinion,

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Speaker 4: and I've thought no idea what it's going to be.

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Speaker 2: How are your weeks? My loves My Maek is really good.

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Speaker 5: I've started a new book series, and it's a fun

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Speaker 5: thing where you know what a book series is really

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Speaker 5: really good and you just carput it. I'm like carrying

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Speaker 5: my kindle, I'm brushing my teeth Holt and I was

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Speaker 5: curlling my hand this morning.

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Speaker 2: Read to me because I'm finally halfway through Iron Flame. Oh,

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Speaker 2: well done? What the series?

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Speaker 5: So it's for everyone, and I do not have very

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Speaker 5: high browd taste. It's a romanticy No, that's exactly what

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Speaker 5: we want, so ruthless boys at the Zodiac. It's a

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Speaker 5: spinoff from a series it's called Zodiac Academy, which, okay,

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Speaker 5: I will say Zodiac Academy not the best written series

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Speaker 5: I've ever read, but again I devoured it.

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Speaker 2: It was really good.

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Speaker 4: But this spinoff series, there's actually a lot of research

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Speaker 4: to say, the more intelligent you are, the less low

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Speaker 4: brow the comedy you enjoy.

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Speaker 2: Oh well, I must have a very good dread. Yes, yeah,

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Speaker 2: we are so intelligent.

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Speaker 5: Yeah, but I'm like, literally my Kindle is in my

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Speaker 5: bag right now. Every spare second I'm reading it. So

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Speaker 5: it's it's just so fun. I'm not trolling on my phone.

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Speaker 5: I'm just need it out a series. The only problem

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Speaker 5: is I was up, like very late last night.

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Speaker 4: I did the same thing. It's actually our who are

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Speaker 4: you reading? Literally I'm only halfway through Iron Flame?

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Speaker 2: You loving it?

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Speaker 4: Though?

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Speaker 6: Yeah?

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Speaker 4: Like I'm back into it, as I think most people

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Speaker 4: who follow me on Instagram. No, I was really into

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Speaker 4: that series and got quite frustrated when the series ended

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Speaker 4: and the book wasn't coming out, and so like I

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Speaker 4: literally pre ordered this book like it came out what

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Speaker 4: was it, January?

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Speaker 2: So everybody has read.

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Speaker 4: This book already, and like, I have not read any

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Speaker 4: other books this year.

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Speaker 2: Like I wish I could be like, oh my god,

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Speaker 2: I've read like four books or what? No, not me?

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Speaker 2: Not me, guys, like absolutely not.

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Speaker 4: My best friend read over one hundred books in twenty

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Speaker 4: twenty four.

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Speaker 2: Harry. I think I'm on track. For that.

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Speaker 4: It's actually insane really, like as in that's inclined about that, right,

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Speaker 4: that's like two full books at least a week.

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Speaker 2: Yeah, that's insane.

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Speaker 5: Right, one of these books in a day, but like

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Speaker 5: completely possible if you are able to dedicate the time.

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Speaker 4: And I mean she's child free, so it must be

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Speaker 4: no totally because I am now in May, still trying

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Speaker 4: to get through one book that I bought in January.

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Speaker 2: So well, you know, while are you for sticking with

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Speaker 2: thank you? I have tried my best.

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Speaker 4: It is really good, though, so I'm looking for more

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Speaker 4: recommendations because I just like even the idea that I

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Speaker 4: have my Kindle on me, Like, I just like that

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Speaker 4: that's an option instead of like mindless scrolling totally. But

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Speaker 4: I have to be really invested in the series, like

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Speaker 4: I don't just it's like I can't be bothered wasting

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Speaker 4: my time if the book isn't gripping me, like I

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Speaker 4: just straight out, fair, straight out. So anyway, that's my story, Beck,

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Speaker 4: how's your week?

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Speaker 7: It's been really really nice. I honestly, I wish I

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Speaker 7: could tell you something juicy next Friday. If I don't

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Speaker 7: have anything juicy, I'm gonna I'll make something up for you.

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Speaker 2: Goodness.

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Speaker 4: Actually, I've got something juicy and it involves you. I

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Speaker 4: ran into your best friend at Kmart in Rosebud. Actually, yes,

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Speaker 4: that was coincidental, and we were talking about what she

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Speaker 4: was doing and she was sorry, live, but she was

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Speaker 4: buying slippers for a love interest. She's like, I'm just

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Speaker 4: gonna love Bomber and I was like, oh, that feels

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Speaker 4: like a book, like a page straight out of a

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Speaker 4: Begsited book. And she's like, I wrote that book. Like

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Speaker 4: if you taught back how to love just to love

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Speaker 4: a girls?

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Speaker 2: Yea.

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Speaker 4: Honestly, Jess and I talk about this all the time,

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Speaker 4: like we honestly should just be lesbians because you guys

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Speaker 4: are way cooler than us and the expectation in the

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Speaker 4: bar by you has been set up here. What do

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Speaker 4: you mean you just thought that the person that you're

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Speaker 4: interested in would love a fluffy, cozy pair of slippers.

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Speaker 2: So you click and collected them. That is really would

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Speaker 2: your partner? Ever? I don't think so, No, that's really

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Speaker 2: it's just like, it's it's how.

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Speaker 8: We all like girls, your love language, it's how we

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Speaker 8: do like even like if Victoria, if you said to

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Speaker 8: me like I really want some handwarmers and and next

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Speaker 8: time I see them, I'd be like, oh my god,

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Speaker 8: I'll buy this.

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Speaker 2: For you know what I mean. Yeah, it's just like how.

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Speaker 4: We think and you feel like you're aware of and

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Speaker 4: that's I like, that's is that how you say it? Just?

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Speaker 3: And do you like?

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Speaker 2: Growing up?

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Speaker 4: My dad used to be like, don't say me say

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Speaker 4: I like it would be like confusing.

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Speaker 2: Just and me are going to the shops. He'd be like,

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Speaker 2: Just and I are going to the shops. And now

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Speaker 2: I don't even know which one's right. I know when

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Speaker 2: you allow us me, I don't know. It's a great question.

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Speaker 2: It's a great question, and I don't think anyone knows

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Speaker 2: the answer.

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Speaker 4: So Just and I are very like that, yes with

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Speaker 4: each other, but not with our partners.

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Speaker 7: Yes, yes, And that's the thing is so like if

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Speaker 7: you have two women who are just naturally quite aware

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Speaker 7: of the people around them and considering, and it just

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Speaker 7: just so happens.

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Speaker 2: It's just like a very natural Orgaining straight is not

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Speaker 2: a choice. I'm going to stand by that, you know,

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Speaker 2: and not to say that some men are very the same,

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Speaker 2: but you know, luckily I am.

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Speaker 4: But that's why we need our girlfriends exactly, isn't it

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Speaker 4: just that's exactly why we need our girlfriends feel that

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Speaker 4: side of life, to talk about our books together, to

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Speaker 4: like talk about warm, fuzzy cozy slippers and do you

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Speaker 4: know what, I'm nourished.

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Speaker 2: It's fine.

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Speaker 4: I'm not actually complaining actually a little bit MBS.

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Speaker 7: That does remind me my best friend moved to Melbourne finally.

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Speaker 7: She was on the Peninsula and she's opening up a

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Speaker 7: gay bar in Futry North.

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Speaker 2: But exciting.

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Speaker 7: But it was very exciting. So that's kind of like

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Speaker 7: the only thing on my mind right now.

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Speaker 2: I'm just like yeah to the friends and of course, yeah.

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Speaker 7: Absolutely, it's a it's a safe space for well, I'm

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Speaker 7: sure she'll has she opened it. Yeah, girls again, yes, exactly,

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Speaker 7: exactly exactly when it does open, can we can we

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Speaker 7: go and can we take some friends?

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Speaker 2: Absolutely lives bar. Do we know what it's going to

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Speaker 2: be called? No? Nothing, we have no the update. You

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Speaker 2: have to keep this like, yeah, everything she plans it.

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Speaker 7: Of course I'll keep you guys posted. But yeah, the

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Speaker 7: name thing has really been stressed a lot of people out.

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Speaker 2: It's hard. It's hard. Business is hard.

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Speaker 7: Naming a bar is harder exactly, because you want to

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Speaker 7: be like classy but not too classy, and you want

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Speaker 7: it to be just one word easy. Yeah, something that

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Speaker 7: will look nice on Instagram, you know the esthetics I

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Speaker 7: already used. Sorry, oh silly, Yeah, okay, we'll go with Zella. Yeah,

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Speaker 7: that's okay, say less.

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Speaker 4: All right, Well, would you guys like another five star review?

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Speaker 2: Because I have one this week?

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Speaker 4: We are seen Beck and I recorded in an episode

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Speaker 4: the other day and at the end we said, could

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Speaker 4: you please leave more reviews because they obviously push out

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Speaker 4: algorithm and help new friends find us, which is working, guys,

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Speaker 4: it's working. We're getting some new friends. But then I

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Speaker 4: said you should also say really nice things about Beck,

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Speaker 4: and Beck said, oh I hate But so.

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Speaker 2: We have one and it's all about you. Are you ready?

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Speaker 6: So close?

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Speaker 4: Star review from somebody who used the name is actually

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Speaker 4: just numbers, so I'm not going to read.

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Speaker 2: That out perfect.

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Speaker 4: I love Beck, please, oh my god, never take Beck

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Speaker 4: off the show. She's so relatable and always says what

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Speaker 4: I'm thinking.

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Speaker 2: I love her. She's awesome.

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Speaker 7: Oh my god, that's the whole review by Oh my god,

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Speaker 7: it's so nice. I really do love this and if

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Speaker 7: I say that I don't.

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Speaker 5: I do.

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Speaker 2: I do get shy, but I really do love it.

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Speaker 5: Stop her your embodiment of you seen those videos going

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Speaker 5: around for it'll be like I'm so shy, and it'll

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Speaker 5: be someone doing something like crazy, like dancing on a

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Speaker 5: bar or whatever.

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Speaker 4: Yes, yeah, yep.

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Speaker 2: Karaoke first, that is really sweet. Thank you so much. One, two, three,

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Speaker 2: eight nine seven. I really that makes that very very sweet.

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Speaker 4: All right, Now moving into I guess the juice of

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Speaker 4: the show, Jessica Cheek, You're going to share our favorite

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Speaker 4: money wins.

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Speaker 2: What are they this week? Already? This week?

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Speaker 5: Firstly, I've got one from Christine who said she's paid

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Speaker 5: her car loan off this week. Old heir would have

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Speaker 5: used this as an excuse to upgrade and just take

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Speaker 5: out another car loan, but educated her knows that her

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Speaker 5: Toyota Corolla is going to last her forever and now

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Speaker 5: she's got one hundred dollars a week to put towards

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Speaker 5: paying off her credit card debt.

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Speaker 2: Instead that it's the mindset shift.

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Speaker 4: Yes, your whole mindset is shifting, and like that feels good,

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Speaker 4: and especially when you're able to identify it, like sometimes

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Speaker 4: you don't see that your mindset is changing, but she's

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Speaker 4: seen it.

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Speaker 2: Well done, Queen.

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Speaker 5: Next, I've got a money win from Brianna, who said,

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Speaker 5: money win. I've been away for twenty five days on

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Speaker 5: holiday and during that time I had my roundups turned

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Speaker 5: on my bank account. Totally forgot that she'd done it.

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Speaker 5: All of the spending that they did while they were

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Speaker 5: away on holidays left her with an additional five hundred

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Speaker 5: and twenty dollars in her bank accounts.

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Speaker 2: Oh my goodness, it's cool. Also, how much spending were

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Speaker 2: you doing? No judge? She turned on like a higher

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Speaker 2: like yeah, five dog judgment.

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Speaker 4: Truly, I'm just like, ooh girl, like I have, like,

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Speaker 4: I think, fifty cents.

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Speaker 5: A way to make it work for you. Next, I've

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Speaker 5: got a money win from Olivia, who said, with Mother's

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Speaker 5: Day coming up, my mom sent me a Pinterest post

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Speaker 5: of some crochet potholders that she loved. Luckily for me,

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Speaker 5: I already had a stash of crochet cotton in her

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Speaker 5: favorite colors and the skills to match, so I whipped

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Speaker 5: up a set of three for her the handmaid. They're personal,

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Speaker 5: and best of all, they didn't cost me a cent.

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Speaker 5: I love that's handmade gifts. I feel so fantastic.

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Speaker 4: Yes, we would like to put in an order for

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Speaker 4: more of those Jess Biscuits.

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Speaker 2: Cookies. And they were very very good.

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Speaker 4: And this was what like two months ago at this point,

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Speaker 4: and we still haven't.

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Speaker 7: Stopped talking honestly anything. A lot of animal like feelthy.

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Speaker 7: I just hinke bye, and then I'm like, I like,

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Speaker 7: you know, you get that food noise, and then my

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Speaker 7: mouth orders and then I just it's.

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Speaker 2: Yeah, by do you guys like them? I'll definitely make you.

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Speaker 2: But the crotch I think incredible.

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Speaker 5: Amazing, very well done, Olivia. And then last of this week,

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Speaker 5: I've got money in from Angie, who said she saved

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Speaker 5: up for a ticket to see a theater production of

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Speaker 5: her favorite book at q Pak. She booked a bougie

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Speaker 5: hotel for the night so she have to drive home

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Speaker 5: from the city. It took her month to save up,

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Speaker 5: but she said she's so excited to be a queen

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Speaker 5: for a knight.

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Speaker 2: That is actually just sweep.

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Speaker 4: There is nothing like making an event out of like

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Speaker 4: one thing. If you're going to go go all out,

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Speaker 4: you know, because it's going to become a core memory.

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Speaker 5: And I think the theater is such a. I don't

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Speaker 5: know what it is about's extra fancy seeing a player

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Speaker 5: a musical. I go out and I'm like, oh, this

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Speaker 5: is like a night on the town.

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Speaker 2: Yeah right, I feel right.

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Speaker 4: Even if you just get dumplings beforehand or something, or

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Speaker 4: you're just like scoffing amusedly bar in your hotel room, Like,

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Speaker 4: it just feels good.

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Speaker 5: It's fun to romanticide life and and you spends like

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Speaker 5: five more minutes on your hair and makeup feel nice

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Speaker 5: as well. Absolutely for saving up and for something you want,

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Speaker 5: Like it's okay to spend on things.

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Speaker 2: One hundred percent. It is. It's about the journey, not

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Speaker 2: just the destination. Totally. That's it for me.

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Speaker 4: This week Gorgeous Love Miss Beech sayed, what have you

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Speaker 4: got when it comes to broke tips?

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Speaker 7: Yes, so okay. As usual, have two from the community

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Speaker 7: and one of my own. So this first one comes

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Speaker 7: from Lil. I think this is so clever, and I

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Speaker 7: mean I don't I don't just like small businesses, but

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Speaker 7: like maybe like bigger companies where it like doesn't really

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Speaker 7: matter at all. This is what Lil says. This is

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Speaker 7: super Povo, but f shipping prices, I'll spend over the

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Speaker 7: minimum to get free postage, then return the unwanted items

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Speaker 7: if you want to. If it's easy for you, you pay

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Speaker 7: with after pay. It doesn't cost too much upfront, and

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Speaker 7: then when it's refunded, it kind of comes off after

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Speaker 7: pay as well. So I think if you have the

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Speaker 7: money to do that, and if it's not, because it's

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Speaker 7: like sometimes like early nine.

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Speaker 2: Dollars you have to return it to you do have

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Speaker 2: to return it.

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Speaker 7: But often like if it's like you know aceos or

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Speaker 7: something that's double check.

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Speaker 2: They do free returns.

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Speaker 7: Yeah, yeah, double check they do free that's actually a

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Speaker 7: good idea. Double check they do free returns because otherwise

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Speaker 7: you're like, oh, good paying h In some places, I'll just.

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Speaker 2: Take it out of like your refund amount.

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Speaker 4: Yeah, totally, just I really wish and I know that

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Speaker 4: this is like still paying for it, but just like

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Speaker 4: build shipping into the price, Like, yeah, so it's a

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Speaker 4: ten dollar item and you're charging me fifteen, but I

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Speaker 4: get free shipping.

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Speaker 2: I feel like I've won. You've won.

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Speaker 4: Everyone's paying for their postage. I'm not trying to find

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Speaker 4: a sneaky way around it, exactly, just gas like me.

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Speaker 2: This next one comes from Megan or Meghan, how.

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Speaker 4: Well, it depends because like different people might well exactly right,

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Speaker 4: different exactly right annunciations.

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Speaker 7: Meghan says, sign up for free pet food samples on

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Speaker 7: company websites. Example, Prime one hundred equals free pet food

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Speaker 7: Prime one hundred, Prime one hundred, Yes, good one. If

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Speaker 7: you can get free samples from them, cool, it's really

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Speaker 7: really cool.

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Speaker 8: Loves.

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Speaker 4: So I would say, you don't even need a sample

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Speaker 4: because I have the world's fussiest dog, but like, go

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Speaker 4: get that because that's not cheap, Like Prime one hundred

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Speaker 4: is not like some pedigree stuff that you can get supermarket,

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Speaker 4: like it's the stuff that you can only get at

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Speaker 4: the pet shop.

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Speaker 2: And it's annoying because it's like.

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Speaker 4: Good for them, but like good for them usually equals

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Speaker 4: more expensive, and then your dog falls in love with

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Speaker 4: it and you're trapped in a cycle of purchasing only.

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Speaker 2: That I don't even know cricket samples and stuff like that.

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Speaker 4: That's so it's nice until now you can also do

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Speaker 4: that with and I notice because you know, I'm a

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Speaker 4: gim Bro, so you like supplement new jim Bro samples

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Speaker 4: and stuff like that, you can get them from certain website.

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Speaker 2: You're too nice to be a gym bro. That is

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Speaker 2: really nice. Don't give vibes.

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Speaker 4: I'm so sorry. I'm so fine actually not allowing you

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Speaker 4: to identify as that.

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Speaker 2: That's so fair.

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Speaker 7: It probably also is the lack of definition and muscle tone.

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Speaker 2: You are looking buff. And also, thank you, maybe you're

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Speaker 2: just keeping your muscles.

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Speaker 5: Warm exactly him in an extra a little bit of

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Speaker 5: up exactly we're going into.

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Speaker 2: You're strong as hell. That's the sexy part. That's really nice.

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Speaker 2: Thank you so much. Oh my god, you guys. I

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Speaker 2: feel so happy.

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Speaker 4: I'm calling her girlfriend Jess to let her know that

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Speaker 4: I'm not, in fact hitting on.

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Speaker 2: Beck stating the truth. That's all. That's so sweet.

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Speaker 7: Well, thank you so much, and I hope you think

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Speaker 7: this is hotter what I'm about. Okay, Yeah, I changed

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Speaker 7: my brake pads over the weekend just because like that

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Speaker 7: was like something I was going to do anyway.

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Speaker 2: But then I like googled because I was curious.

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Speaker 7: To know how much pads and it's like, yes.

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Speaker 2: Something like you could change your own break path.

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Speaker 7: And I tell you what, it is exceptionally easy. It

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Speaker 7: depends what car you have, I think, but I just

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Speaker 7: have like a little toyot Echo, So it's very easy

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Speaker 7: for me. It's it's if you know how to change higher,

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Speaker 7: you have immediate access to your brake pads.

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Speaker 2: It is while you're there, you may as well just

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Speaker 2: do it. You know what I mean, You may as.

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Speaker 4: Well do it about changing if you if you like.

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Speaker 7: The annoying is when you watch like YouTube tutorials and stuff,

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Speaker 7: they don't often give you like they'll just throw out

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Speaker 7: words and you don't know what they need.

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Speaker 4: They do that in the finance community, yes exactly, Car Bros,

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Speaker 4: Jim Brows Crazy Investing.

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Speaker 7: Yes, So if you are watching a video and you're like,

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Speaker 7: I can physically see what they're doing, but they're using

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Speaker 7: a term that I don't understand, message me and I'll

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Speaker 7: run you through everything. But also the sorry, the main

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Speaker 7: point of that was that the break pads cost me

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Speaker 7: that just like it was four pads, it was like

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Speaker 7: two for each front. Oh yeah, okay breaks and that

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Speaker 7: was six nonsense.

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Speaker 2: I'm so just a super cheap order. Do you wander

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Speaker 2: sixty two dollars?

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Speaker 7: Really, but at the mechanic it could be like two fifty,

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Speaker 7: three hundred hundred exactly. So my broke tip is, let

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Speaker 7: me know, and I'll tell you everything and then we

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Speaker 7: can do this.

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Speaker 2: We're gonna learn together. We'll learn together. I'm obsessed with

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Speaker 2: this and that's me for this week. I love that.

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Speaker 4: All right, let's go to a really quick break because

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Speaker 4: on the flip side, it's gonna get juicy. Guys, we

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Speaker 4: are asking about whether you should be choosing between adding

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Speaker 4: extra to your super or saving for a home. And

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Speaker 4: then something that we've got no idea how Jess feels about,

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Speaker 4: is whether you should still give a wedding gift if

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Speaker 4: you've already spent more than next thousand dollars on being

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Speaker 4: in the bridal party.

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Speaker 2: So don't go anywhere.

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Speaker 5: Welcome back, everybody. Let's take a listen to this week's

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Speaker 5: money dilemma.

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Speaker 4: Hi, there, have you got a money dilemma you just

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00:18:10,400 --> 00:18:12,920
Speaker 4: can't solve? The Sheese on the Money team is here

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00:18:12,960 --> 00:18:16,200
Speaker 4: to help. Every week, we tackle your dilemmas, both big

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Speaker 4: and small, to answer your most burning money, career and

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Speaker 4: life questions. To get involved, simply head to our website

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00:18:22,240 --> 00:18:24,360
Speaker 4: and leave us a short voice recording and you might

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Speaker 4: just find yourself on the show. Now, let's take a

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Speaker 4: listen to this week's money dilemma.

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Speaker 9: Hi guys, my question is around whether it is better

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Speaker 9: to salary sacrifice into SUPER or put that money towards

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Speaker 9: a home deposit. At the moment, I'm in a position

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Speaker 9: within my career where I earn enough to comfortably afford

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Speaker 9: to salary sacrifice into my SUPER and max it out

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Speaker 9: every year. At the same time, I'm currently saving for

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Speaker 9: a home deposit, and if I don't salary sacrifice into

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Speaker 9: my SUPER, expect to have decent to pose it together

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Speaker 9: within a year and could borrow a decent amount for

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Speaker 9: decent enough property. So my question is would it be

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Speaker 9: better in the long run to max out SUPER knowing

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Speaker 9: that it could potentially affect my borrowing power and delay

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Speaker 9: my savings goal, or wait until I have purchased a

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Speaker 9: property and then salary sacrifice into my SUPER. Thank you.

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Speaker 4: I have questions about where this information is coming from,

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Speaker 4: because if you're saying that that would decrease your borrowing

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Speaker 4: power to have more of an asset, I would politely disagree.

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Speaker 7: Maybe it's like the taxable income is lower if you

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Speaker 7: cancellary sacrifice is before tax. Maybe that's what they mean,

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Speaker 7: Like it looks like their taxtable income is lower.

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Speaker 2: I don't know if that makes sense. Doth sense? That

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Speaker 2: just makes sense?

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Speaker 4: Okay? Well, interestingly enough, you're saying, and like, let's just

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Speaker 4: say that you and I have had a chat. I

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Speaker 4: need to make some assumptions to have this conversation very cleanly.

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Speaker 4: So I sat down and this person is basically Jessic Artici.

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Speaker 4: She wants to buy a house, doesn't matter, like that's

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Speaker 4: just the goal, right. So we know you want to

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Speaker 4: purchase a home, and you're saying, should I be doing

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Speaker 4: salary sacrificing into Super? The question I have for you

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Speaker 4: is are you aware of the First Home Super Savior scheme?

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Speaker 2: Yeah?

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Speaker 4: It is a mouthful but a very cool program which

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Speaker 4: means you can salary sacrifice into Super and then pull

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Speaker 4: your money out after for your home deposit. And to me,

441
00:20:32,960 --> 00:20:35,120
Speaker 4: it is a no brainer that you would put your

442
00:20:35,160 --> 00:20:38,640
Speaker 4: money into a First Home Super Savior scheme to essentially

443
00:20:38,680 --> 00:20:41,240
Speaker 4: get more of a deposit so that when it comes

444
00:20:41,320 --> 00:20:44,560
Speaker 4: time to buy, like, you're ahead of the game. So,

445
00:20:44,680 --> 00:20:48,000
Speaker 4: if I make an assumption that you are on what

446
00:20:48,240 --> 00:20:51,800
Speaker 4: is known as the most popular marginal tax rate, which

447
00:20:51,840 --> 00:20:56,399
Speaker 4: in Australia at the moment is thirty percent, if you contributed. So, like,

448
00:20:56,480 --> 00:20:58,840
Speaker 4: let's say that you contributed the max amount, So you're

449
00:20:58,840 --> 00:21:02,119
Speaker 4: saying that you are contributed the max amount to Super already,

450
00:21:02,280 --> 00:21:04,000
Speaker 4: like as in, you can cap it out because you've

451
00:21:04,000 --> 00:21:07,080
Speaker 4: got cash flow, which is very sexy. The highest amount

452
00:21:07,119 --> 00:21:09,399
Speaker 4: that you can contribute on an annual basis to the

453
00:21:09,440 --> 00:21:12,040
Speaker 4: first Home Super Savior scheme SORR, it's mouthful, and I've

454
00:21:12,040 --> 00:21:14,760
Speaker 4: just got a lot to get out is fifteen thousand

455
00:21:14,800 --> 00:21:17,719
Speaker 4: dollars a year annually. You can do that up to

456
00:21:17,880 --> 00:21:20,240
Speaker 4: five years in a row, which means you could cap

457
00:21:20,240 --> 00:21:22,879
Speaker 4: it out. But like, let's say that you do that

458
00:21:22,960 --> 00:21:27,199
Speaker 4: over three years, so that means that over five years

459
00:21:27,240 --> 00:21:30,560
Speaker 4: you could essentially contribute up to fifty thousand dollars, which

460
00:21:30,600 --> 00:21:35,000
Speaker 4: is the cap of that scheme. So let's pretend that

461
00:21:35,119 --> 00:21:37,760
Speaker 4: you earn one hundred thousand dollars, because you've told me

462
00:21:37,800 --> 00:21:39,960
Speaker 4: that you have free cash flow, so I'm assuming you

463
00:21:40,040 --> 00:21:43,000
Speaker 4: aren't on like fifty thousand, because like that would be tight.

464
00:21:43,440 --> 00:21:47,560
Speaker 4: So let's say that your salary sacrifice contribution so is

465
00:21:47,640 --> 00:21:52,160
Speaker 4: taxed at fifteen percent inside the superannuation environment. So ten

466
00:21:52,240 --> 00:21:56,760
Speaker 4: thousand dollars times fifteen percent is fifteen hundred dollars tax

467
00:21:56,800 --> 00:22:00,760
Speaker 4: per year, and then your net contribution would be ten

468
00:22:00,840 --> 00:22:04,040
Speaker 4: thousand minus fifteen hundred dollars, which is the tax that

469
00:22:04,119 --> 00:22:05,879
Speaker 4: they cut off the top when it goes in is

470
00:22:05,920 --> 00:22:08,120
Speaker 4: eight and a half thousand dollars. But if you did

471
00:22:08,160 --> 00:22:11,879
Speaker 4: that inside your savings account, that tax would actually be

472
00:22:11,960 --> 00:22:15,159
Speaker 4: double because your marginal tax rate is thirty percent, so

473
00:22:15,280 --> 00:22:19,240
Speaker 4: therefore it's three thousand dollars instead of fifteen hundred dollars,

474
00:22:19,280 --> 00:22:22,719
Speaker 4: so you're able to contribute less. Right, So then if

475
00:22:22,760 --> 00:22:26,359
Speaker 4: you'd saved annually like ten thousand dollars outside of super

476
00:22:26,720 --> 00:22:30,000
Speaker 4: you'd actually be left with seven grand each year instead

477
00:22:30,040 --> 00:22:32,560
Speaker 4: of eight and a half. So you're going to get

478
00:22:32,800 --> 00:22:34,680
Speaker 4: well bang for your buck by putting it into the

479
00:22:34,720 --> 00:22:38,919
Speaker 4: First Home Super Savior scheme. And over five years, seven

480
00:22:39,000 --> 00:22:43,840
Speaker 4: thousand dollars times five is thirty five thousand dollars, which

481
00:22:43,880 --> 00:22:46,479
Speaker 4: is actually seven and a half thousand dollars less than

482
00:22:46,520 --> 00:22:48,520
Speaker 4: if you'd use the First Home Super Savior scheme. And

483
00:22:48,560 --> 00:22:52,200
Speaker 4: I'm pretty sure that if I asked any person purchasing

484
00:22:52,200 --> 00:22:56,680
Speaker 4: their first time Jess jessic Ricci, would you like seven

485
00:22:56,720 --> 00:22:59,840
Speaker 4: and a half thousand dollars of free money by following

486
00:23:00,160 --> 00:23:03,439
Speaker 4: scheme while saving for your first home, say less like

487
00:23:03,640 --> 00:23:06,199
Speaker 4: it is a smart scheme that puts you in the

488
00:23:06,280 --> 00:23:09,399
Speaker 4: right position. I would actually be also speaking to a

489
00:23:09,440 --> 00:23:11,800
Speaker 4: mortgage broker because it sounds like you have really high

490
00:23:11,880 --> 00:23:14,840
Speaker 4: cash flow. You're conflicted about whether you should be adding

491
00:23:14,880 --> 00:23:18,320
Speaker 4: more superannuation or you should be saving for your first home.

492
00:23:18,600 --> 00:23:21,440
Speaker 4: Get a plan like go speak to a broker, work

493
00:23:21,480 --> 00:23:24,880
Speaker 4: out what your borrowing capacity is, what type of deposit

494
00:23:24,920 --> 00:23:28,119
Speaker 4: you actually need, and all of that, because then once

495
00:23:28,240 --> 00:23:30,879
Speaker 4: your mortgage broker says okay, well again, I'm going to

496
00:23:31,000 --> 00:23:35,560
Speaker 4: use Jessica as an example, because I can't give personal advice,

497
00:23:36,040 --> 00:23:36,760
Speaker 4: just sits.

498
00:23:36,480 --> 00:23:37,680
Speaker 2: Down and says okay cool.

499
00:23:37,720 --> 00:23:39,760
Speaker 4: Like I've worked out that, you know, this amount of

500
00:23:39,800 --> 00:23:41,880
Speaker 4: money needs to go to my house deposit each month,

501
00:23:41,920 --> 00:23:44,159
Speaker 4: but I actually have one hundred dollars extra now to

502
00:23:44,240 --> 00:23:46,360
Speaker 4: quote play with, and I could decide that that goes

503
00:23:46,400 --> 00:23:48,600
Speaker 4: into my house deposit or it could go into SUPER.

504
00:23:49,240 --> 00:23:51,600
Speaker 4: You can choose whether you want to put it into

505
00:23:51,600 --> 00:23:54,240
Speaker 4: your house deposit to get into the property mark quicker,

506
00:23:54,880 --> 00:23:57,119
Speaker 4: or you could put it into SUPER knowing that it

507
00:23:57,160 --> 00:23:59,720
Speaker 4: doesn't impact your ability to get into your dream home.

508
00:24:00,320 --> 00:24:03,080
Speaker 2: Does that make sense? Yeah, jess what are your plans?

509
00:24:03,280 --> 00:24:05,280
Speaker 2: So I did I have used that scheme, I've capped

510
00:24:05,280 --> 00:24:05,600
Speaker 2: it out.

511
00:24:05,840 --> 00:24:05,959
Speaker 1: Ah.

512
00:24:06,080 --> 00:24:08,600
Speaker 2: I think it's a great one. Yes, somebody who suggested

513
00:24:08,640 --> 00:24:10,720
Speaker 2: that that you're so smart, so clever.

514
00:24:11,080 --> 00:24:14,800
Speaker 5: I believe that if you were salary sacrificing the cap

515
00:24:15,480 --> 00:24:17,879
Speaker 5: without the intention of using the scheme, because you can

516
00:24:17,920 --> 00:24:20,280
Speaker 5: also do that without salary sacrificing. You can make post

517
00:24:20,280 --> 00:24:23,000
Speaker 5: tax contributions as well. But I believe if you were

518
00:24:23,000 --> 00:24:27,119
Speaker 5: just salary sacrificing into SUPER without using this scheme, the

519
00:24:27,480 --> 00:24:29,800
Speaker 5: amount you can contribute is higher, So the amount you

520
00:24:29,800 --> 00:24:31,240
Speaker 5: could potentially reduce your.

521
00:24:31,160 --> 00:24:33,320
Speaker 2: Taxable income by is higher.

522
00:24:33,560 --> 00:24:36,000
Speaker 5: So it also depends, I guess, on what your goals

523
00:24:36,040 --> 00:24:38,320
Speaker 5: are specifically, because as you said, for me, it's all

524
00:24:38,320 --> 00:24:40,520
Speaker 5: about the house deposit, Like that's where my priority is,

525
00:24:41,119 --> 00:24:43,200
Speaker 5: Like all of my spare money is pretty much going

526
00:24:43,240 --> 00:24:45,919
Speaker 5: into that deposit, Like that's where all my funds are

527
00:24:45,920 --> 00:24:48,879
Speaker 5: being funneled. But I do understand that there are in

528
00:24:48,920 --> 00:24:52,679
Speaker 5: addition to the tax benefits, there's the compounding benefits as

529
00:24:52,680 --> 00:24:55,600
Speaker 5: well within Super, but you can also invest outside of

530
00:24:55,640 --> 00:24:57,600
Speaker 5: SUPER as well. That's also an option if you want

531
00:24:57,600 --> 00:25:00,560
Speaker 5: to take advantage of that. My personal take on it

532
00:25:00,600 --> 00:25:03,520
Speaker 5: is a year is not that long of a time.

533
00:25:03,520 --> 00:25:06,040
Speaker 4: If you're saying no, you can kind of use fifteen

534
00:25:06,080 --> 00:25:09,240
Speaker 4: thousand dollars worth of the first Home super Savior scheme

535
00:25:09,280 --> 00:25:11,720
Speaker 4: as well. Yes, or if you're smart, sorry to jump

536
00:25:11,800 --> 00:25:15,320
Speaker 4: in here. Finance May. Yeah, yeah, it's May, and it

537
00:25:15,400 --> 00:25:18,720
Speaker 4: is yeah exactly. It is the financial year. So if

538
00:25:18,720 --> 00:25:21,199
Speaker 4: it's May, you could put fifteen thousand dollars in today

539
00:25:21,320 --> 00:25:23,880
Speaker 4: and then come July the first you could put another

540
00:25:23,920 --> 00:25:27,159
Speaker 4: fifteen thousand dollars in, thus making it in a calendar

541
00:25:27,280 --> 00:25:30,400
Speaker 4: year thirty thousand dollars. But in each financial year you've

542
00:25:30,400 --> 00:25:31,720
Speaker 4: only done fifteen thousand.

543
00:25:31,920 --> 00:25:34,640
Speaker 5: Yes, totally, So I think, like to me, a year

544
00:25:34,680 --> 00:25:38,480
Speaker 5: is not that long to pursue one goal really strongly.

545
00:25:38,480 --> 00:25:39,680
Speaker 5: If you want to get into the house, you said

546
00:25:39,680 --> 00:25:41,040
Speaker 5: you could have your deposit within a year.

547
00:25:41,200 --> 00:25:44,000
Speaker 2: That's crazy and also really cool, really impressive.

548
00:25:44,080 --> 00:25:47,199
Speaker 5: My inclination would probably be to pursue that, utilizing the

549
00:25:47,280 --> 00:25:51,080
Speaker 5: scheme knowing that I'm getting the you know, some tax benefits,

550
00:25:51,840 --> 00:25:53,800
Speaker 5: but you also have to be aware that you know

551
00:25:53,840 --> 00:25:55,840
Speaker 5: that money is impacted within the super in the same

552
00:25:55,880 --> 00:25:57,679
Speaker 5: way that the share market is. So we've seen a

553
00:25:57,680 --> 00:26:00,560
Speaker 5: lot of volatility you know, recently with all the stuff

554
00:26:00,560 --> 00:26:01,000
Speaker 5: going on in.

555
00:26:00,960 --> 00:26:04,399
Speaker 2: The US wild also something I guess to keep in

556
00:26:04,400 --> 00:26:04,960
Speaker 2: mind as.

557
00:26:04,800 --> 00:26:09,360
Speaker 4: Well, totally, And I feel like that's I guess it's

558
00:26:09,400 --> 00:26:11,639
Speaker 4: so hard to say, Okay, well you should do this

559
00:26:11,760 --> 00:26:14,840
Speaker 4: or this my best advice. Honestly, go talk to a

560
00:26:14,880 --> 00:26:18,400
Speaker 4: mortgage broker. If you're buying within the next year. They

561
00:26:18,440 --> 00:26:20,399
Speaker 4: want to talk to you now anyway. They want to

562
00:26:20,560 --> 00:26:22,640
Speaker 4: prep you, make sure that you're using the First Home

563
00:26:22,680 --> 00:26:24,560
Speaker 4: Super Savor scheme. They want to make sure that if

564
00:26:24,560 --> 00:26:26,760
Speaker 4: there are any grants or schemes that we can apply for,

565
00:26:26,880 --> 00:26:29,919
Speaker 4: we're getting you in the door on that asap. Because

566
00:26:29,960 --> 00:26:32,879
Speaker 4: some grants and some schemes are capped, so they only have,

567
00:26:33,080 --> 00:26:35,639
Speaker 4: like you know, a couple of thousand people able to

568
00:26:35,800 --> 00:26:37,679
Speaker 4: use them. Therefore, I want to get your name on

569
00:26:37,720 --> 00:26:40,680
Speaker 4: that list asap. Like twelve months is not that long

570
00:26:41,000 --> 00:26:44,000
Speaker 4: of a period of time, So like, start having those

571
00:26:44,000 --> 00:26:46,960
Speaker 4: conversations now, because they're going to give you a cash flow.

572
00:26:47,080 --> 00:26:50,080
Speaker 4: They're going to help you be in the best possible position.

573
00:26:50,720 --> 00:26:53,679
Speaker 4: Any other additional thoughts before we talk about wedding drummer, No,

574
00:26:53,760 --> 00:26:55,520
Speaker 4: I was just going to say, why not both It

575
00:26:55,520 --> 00:26:58,760
Speaker 4: seems like this book can lost us like this money

576
00:26:58,800 --> 00:27:00,400
Speaker 4: coming in, does it have to be or the other?

577
00:27:00,400 --> 00:27:01,560
Speaker 2: You know what I mean? I wonder if they can.

578
00:27:01,400 --> 00:27:03,159
Speaker 5: Split a little goal out. That's a good point, Like

579
00:27:03,200 --> 00:27:05,280
Speaker 5: you could take taking a year to save your house.

580
00:27:05,320 --> 00:27:08,000
Speaker 5: To us, it take two years maybe, and yeah, double

581
00:27:08,040 --> 00:27:10,560
Speaker 5: dip that's what I'm thinking. It doesn't have to be

582
00:27:10,560 --> 00:27:12,679
Speaker 5: because Super is very hard to can be very hard

583
00:27:12,680 --> 00:27:14,040
Speaker 5: to access even if you have, like you know this

584
00:27:14,880 --> 00:27:18,000
Speaker 5: for some Super saber scheme thing going on. I had

585
00:27:18,040 --> 00:27:19,480
Speaker 5: worked in Super before, and I just know it's like

586
00:27:19,560 --> 00:27:22,360
Speaker 5: so much paperwork. So it's like if you split it

587
00:27:22,440 --> 00:27:25,680
Speaker 5: right down the middle, then you have access freely to one.

588
00:27:26,080 --> 00:27:30,399
Speaker 2: And also the other. But just without fair question, you

589
00:27:30,440 --> 00:27:34,359
Speaker 2: would you like would you like some juicy wedding gossip? Yes? Please?

590
00:27:34,480 --> 00:27:37,320
Speaker 4: Okay, So the DM we got this week is giving

591
00:27:37,560 --> 00:27:39,200
Speaker 4: all right, Hey, she's.

592
00:27:38,960 --> 00:27:41,240
Speaker 2: On the money. I need the community's opinion on this.

593
00:27:41,800 --> 00:27:44,520
Speaker 4: So my husband's in the groom's party for his mate's wedding,

594
00:27:44,720 --> 00:27:48,720
Speaker 4: and it's already cost us so much like the suit

595
00:27:49,040 --> 00:27:52,080
Speaker 4: Bucks night travel accommodation, not to mention all the time

596
00:27:52,119 --> 00:27:55,520
Speaker 4: we've given with organizing and running around. Now the wedding's

597
00:27:55,560 --> 00:27:57,840
Speaker 4: finally here, and he wants us to give to them

598
00:27:57,840 --> 00:28:00,560
Speaker 4: a gift too, And I'm like, didn't we already give

599
00:28:00,560 --> 00:28:03,640
Speaker 4: them enough? I know giving a present is the thing

600
00:28:03,720 --> 00:28:06,320
Speaker 4: people do, but we've spent more than a thousand dollars

601
00:28:06,359 --> 00:28:08,520
Speaker 4: already just for him to be a part of the wedding.

602
00:28:08,800 --> 00:28:11,159
Speaker 4: I don't think we should have to give anything else.

603
00:28:11,520 --> 00:28:14,480
Speaker 4: He reckons it's really rude not to, But like, do

604
00:28:14,560 --> 00:28:17,320
Speaker 4: people actually give a wedding gift after spending so much

605
00:28:17,400 --> 00:28:19,320
Speaker 4: money already? Or am I just being tight?

606
00:28:19,320 --> 00:28:20,600
Speaker 2: What would you do? Mm?

607
00:28:22,000 --> 00:28:24,520
Speaker 7: I don't think a gift is necessary, but I also

608
00:28:25,160 --> 00:28:27,159
Speaker 7: have I'm very lucky to have friends that are not

609
00:28:27,600 --> 00:28:30,119
Speaker 7: super traditional. So I guess if I was going to

610
00:28:30,160 --> 00:28:32,920
Speaker 7: a more traditional wedding and I wasn't like super good

611
00:28:32,920 --> 00:28:35,000
Speaker 7: friends with these people. It sounds like they are good

612
00:28:35,000 --> 00:28:37,480
Speaker 7: friends because they're in the bridle and groom party, But yeah,

613
00:28:37,520 --> 00:28:39,760
Speaker 7: I just couldn't. I just wouldn't, Like, I don't even

614
00:28:39,920 --> 00:28:42,200
Speaker 7: some people don't have that much money to spend anyway,

615
00:28:42,280 --> 00:28:44,320
Speaker 7: Like if you're invited into like a bridal party or

616
00:28:45,280 --> 00:28:49,280
Speaker 7: insanity can be very anxiety inducing being like, oh my god,

617
00:28:49,280 --> 00:28:51,400
Speaker 7: now I've got to spend all this money that I

618
00:28:51,440 --> 00:28:52,200
Speaker 7: it just was not.

619
00:28:52,200 --> 00:28:53,920
Speaker 2: In my future. It was not in my plan.

620
00:28:54,040 --> 00:28:56,080
Speaker 7: You have maybe you have every single thing lined up,

621
00:28:56,440 --> 00:29:00,880
Speaker 7: and any kind of like hump in the road or whatever,

622
00:29:00,960 --> 00:29:03,760
Speaker 7: like you're just not prepared for that. And then as

623
00:29:03,800 --> 00:29:05,880
Speaker 7: soon as a friend of yours is like would you

624
00:29:05,920 --> 00:29:08,560
Speaker 7: be my maid of honor or my groomsman.

625
00:29:08,200 --> 00:29:11,520
Speaker 2: Or something, and like it can be very anxiety inducing.

626
00:29:11,600 --> 00:29:14,240
Speaker 7: You might just literally physically not have the money to

627
00:29:14,280 --> 00:29:16,920
Speaker 7: even be part of that, but so you are, and

628
00:29:16,960 --> 00:29:17,800
Speaker 7: you do spend.

629
00:29:17,560 --> 00:29:18,280
Speaker 2: All this money.

630
00:29:18,720 --> 00:29:20,880
Speaker 7: I don't think a gift is necessary. I don't think

631
00:29:20,880 --> 00:29:23,000
Speaker 7: a gift is ever necessary, even if you're not in

632
00:29:23,040 --> 00:29:26,240
Speaker 7: the bridle or groom party. Just do whatever you can afford. Like,

633
00:29:26,280 --> 00:29:28,080
Speaker 7: if you go and you literally can, all you can

634
00:29:28,120 --> 00:29:29,880
Speaker 7: afford is a card, Just do that.

635
00:29:29,960 --> 00:29:32,240
Speaker 4: I think a card is really nice, right, I just

636
00:29:32,280 --> 00:29:35,400
Speaker 4: don't think you're putting wishing well, even just putting a

637
00:29:35,440 --> 00:29:38,440
Speaker 4: card in with like your thoughts, don't like write to

638
00:29:38,600 --> 00:29:41,480
Speaker 4: Victoria from back, like that doesn't mean all that much,

639
00:29:41,560 --> 00:29:42,800
Speaker 4: but like put some nice thoughts.

640
00:29:42,840 --> 00:29:44,760
Speaker 2: I would much prefer that thing. Same.

641
00:29:45,000 --> 00:29:48,480
Speaker 7: Yeah, absolutely, I don't think we should be forcing This

642
00:29:48,520 --> 00:29:50,840
Speaker 7: isn't even just like suggesting.

643
00:29:50,880 --> 00:29:53,720
Speaker 2: It's like weddings. Wild weddings are insane.

644
00:29:53,880 --> 00:29:56,520
Speaker 7: Yeah, it's almost you're almost forcing your friends to spend

645
00:29:56,520 --> 00:29:59,160
Speaker 7: money that they might literally not have. Like sometimes they

646
00:29:59,240 --> 00:30:01,880
Speaker 7: have twelve dollars to my name in total, And if

647
00:30:01,880 --> 00:30:03,400
Speaker 7: I had a wedding to go do that same weekend,

648
00:30:03,680 --> 00:30:05,200
Speaker 7: I would just be screwed.

649
00:30:05,200 --> 00:30:06,280
Speaker 2: There's no money there. What can I do?

650
00:30:06,320 --> 00:30:08,320
Speaker 7: You know, you either get alone, you go into dead

651
00:30:08,520 --> 00:30:10,000
Speaker 7: what do you do? You just should not be putting

652
00:30:10,000 --> 00:30:11,960
Speaker 7: that pressure on people. Absolutely, you don't have to bring

653
00:30:12,040 --> 00:30:14,520
Speaker 7: back I also don't know, you don't know.

654
00:30:14,840 --> 00:30:18,200
Speaker 2: I don't think a gift is necessary in no way, Jess,

655
00:30:18,240 --> 00:30:18,720
Speaker 2: what are you doing?

656
00:30:18,760 --> 00:30:18,840
Speaker 8: Oh?

657
00:30:18,880 --> 00:30:21,040
Speaker 5: I completely agree when you said I don't think a

658
00:30:21,080 --> 00:30:21,960
Speaker 5: gift is necessary.

659
00:30:22,000 --> 00:30:24,760
Speaker 2: Ever, I feel like that's such a true statement. And

660
00:30:24,840 --> 00:30:27,440
Speaker 2: I know that you're having a wedding to get gifts. Yeah,

661
00:30:27,640 --> 00:30:28,240
Speaker 2: And I know.

662
00:30:28,160 --> 00:30:31,600
Speaker 5: That there's cultural standards, yes, you know you have to

663
00:30:31,640 --> 00:30:34,720
Speaker 5: consider as well and things like that. But I think

664
00:30:34,960 --> 00:30:39,760
Speaker 5: particularly the expectation now in pre wedding activities, you know,

665
00:30:39,840 --> 00:30:43,520
Speaker 5: the bridle shower, the hens, the bucks, like, there's so

666
00:30:43,560 --> 00:30:47,120
Speaker 5: many things, so many opportunities, like it can be quite

667
00:30:47,280 --> 00:30:50,120
Speaker 5: hard to participate in all of them. I love when

668
00:30:50,120 --> 00:30:53,160
Speaker 5: people say, your presence is the present. Like, to me,

669
00:30:53,400 --> 00:30:57,560
Speaker 5: a wedding is about celebrating two people's life gifts. Nope,

670
00:30:59,280 --> 00:31:02,560
Speaker 5: there's no little ASTs. Get the It's just two people

671
00:31:02,560 --> 00:31:05,479
Speaker 5: coming together. Well on whatever scale that is, whether it's

672
00:31:05,520 --> 00:31:07,960
Speaker 5: a courthouse wedding and you meet friends for a picnic

673
00:31:07,960 --> 00:31:09,560
Speaker 5: in the garden afterwards, whether you have a wedding with

674
00:31:09,640 --> 00:31:11,160
Speaker 5: a one hundred people there or two.

675
00:31:11,120 --> 00:31:14,080
Speaker 4: Hundred point is it's about two people falling in love

676
00:31:14,400 --> 00:31:15,600
Speaker 4: and solidifying that.

677
00:31:15,880 --> 00:31:18,280
Speaker 5: Yeah, And I understand that we want to celebrate that.

678
00:31:18,360 --> 00:31:20,040
Speaker 5: And for those of us gift, a lot of your

679
00:31:20,040 --> 00:31:23,320
Speaker 5: gifting is our love language. And I totally get that perspective,

680
00:31:23,600 --> 00:31:25,400
Speaker 5: but I think we need to step away a little

681
00:31:25,440 --> 00:31:28,800
Speaker 5: bit from the expectation that it's about.

682
00:31:28,480 --> 00:31:31,480
Speaker 2: Anything more than just love. It's the two.

683
00:31:31,320 --> 00:31:34,120
Speaker 5: People coming together to celebrate and be like, we're in love.

684
00:31:34,160 --> 00:31:36,640
Speaker 5: We want you to share that love. In my mind,

685
00:31:36,680 --> 00:31:40,080
Speaker 5: that's where the expectation should end. And I know that

686
00:31:40,200 --> 00:31:42,480
Speaker 5: there's like the standard of you know, you cover your

687
00:31:42,520 --> 00:31:46,560
Speaker 5: siegs or blah blahlah blah. I don't love that.

688
00:31:46,680 --> 00:31:48,160
Speaker 2: I've had friends, they've had wishing wells.

689
00:31:48,160 --> 00:31:51,040
Speaker 5: Of course we've contributed, but I don't love it because

690
00:31:51,080 --> 00:31:53,280
Speaker 5: it does feel it.

691
00:31:55,040 --> 00:31:57,600
Speaker 4: I think the important thing to caveat here is I

692
00:31:57,680 --> 00:32:01,040
Speaker 4: know that there are a lot of cultural differenceferences as well.

693
00:32:01,160 --> 00:32:05,280
Speaker 4: Like right now we are talking assuming that this person

694
00:32:05,880 --> 00:32:09,760
Speaker 4: doesn't have any of those cultural overlays of like, oh no,

695
00:32:09,960 --> 00:32:12,680
Speaker 4: there is the expectation that you'd givet cash or you'd

696
00:32:12,720 --> 00:32:14,600
Speaker 4: do this or that, because I'm assuming they would have

697
00:32:14,800 --> 00:32:18,600
Speaker 4: disclosed that to us in the letter in right, So

698
00:32:18,680 --> 00:32:22,160
Speaker 4: I'm just assuming that this is a very standard way

699
00:32:22,160 --> 00:32:25,200
Speaker 4: of doing things, and when it comes to the cultural

700
00:32:25,240 --> 00:32:28,800
Speaker 4: side of things, hop off, like, I think that is fantastic,

701
00:32:28,920 --> 00:32:31,440
Speaker 4: And you, guys, honor a wedding in the way that

702
00:32:31,520 --> 00:32:33,800
Speaker 4: makes sense to you. We're just talking about it, and

703
00:32:33,840 --> 00:32:38,160
Speaker 4: I would say the most Western way, like is that

704
00:32:38,240 --> 00:32:40,480
Speaker 4: fair to say, because I don't want people going, oh well,

705
00:32:40,520 --> 00:32:43,440
Speaker 4: it's actually good luck for us to gift money or

706
00:32:43,520 --> 00:32:46,280
Speaker 4: actually that's a part of our culture and you have

707
00:32:46,360 --> 00:32:49,960
Speaker 4: to do a gift otherwise it's xyz Like totally, that's

708
00:32:50,000 --> 00:32:54,720
Speaker 4: a different conversation I think than a bride being like

709
00:32:55,280 --> 00:32:58,120
Speaker 4: I expect a wedding gift. If you're coming to my

710
00:32:58,160 --> 00:33:01,320
Speaker 4: wedding after spending one thousand dollars, be there we see.

711
00:33:01,320 --> 00:33:03,560
Speaker 5: And even the expectation that you've had to spend thousand

712
00:33:03,600 --> 00:33:06,600
Speaker 5: dollars ahead of time, I think is pretty crazy.

713
00:33:06,840 --> 00:33:07,720
Speaker 2: It's a huge.

714
00:33:07,440 --> 00:33:09,920
Speaker 5: Expectation to put on someone. I know that there have

715
00:33:10,000 --> 00:33:11,880
Speaker 5: been many yeo and friends of mine have got married

716
00:33:11,920 --> 00:33:13,760
Speaker 5: that if that was the expectation on me, like I

717
00:33:13,760 --> 00:33:15,080
Speaker 5: wouldn't have been able to particip No.

718
00:33:15,360 --> 00:33:18,760
Speaker 4: Yeah, absolutely, And like, I'm going to be really spicy

719
00:33:18,760 --> 00:33:20,360
Speaker 4: here because I've always been like, oh, it's your wedding,

720
00:33:20,440 --> 00:33:23,560
Speaker 4: it's your values. Like I have had a wedding, and

721
00:33:23,760 --> 00:33:26,520
Speaker 4: I am a firm believer that your bridal party should

722
00:33:26,640 --> 00:33:29,880
Speaker 4: never pay a cent to be your barridor party. They

723
00:33:29,880 --> 00:33:31,920
Speaker 4: are there to support you. If you want them wearing

724
00:33:31,960 --> 00:33:34,200
Speaker 4: a particular dress, you buy it. You want them to

725
00:33:34,200 --> 00:33:36,720
Speaker 4: be wearing a particular pair of shoes, that is on you,

726
00:33:37,160 --> 00:33:40,000
Speaker 4: as the bride and groom, to purchase it. And if

727
00:33:40,240 --> 00:33:42,320
Speaker 4: like this is going to sound real spicy, and I

728
00:33:42,360 --> 00:33:46,280
Speaker 4: don't even mind. If you cannot afford to clothe and

729
00:33:46,360 --> 00:33:48,720
Speaker 4: pay for all of the expenses of your bridal party,

730
00:33:48,720 --> 00:33:51,800
Speaker 4: you cannot afford to have a bridal party, full stop,

731
00:33:51,880 --> 00:33:54,000
Speaker 4: end of story. I find it insane to think that

732
00:33:54,040 --> 00:33:55,880
Speaker 4: I might turn around to Jess and be like, Jess,

733
00:33:55,880 --> 00:33:57,400
Speaker 4: I'd love you to be a part of my wedding

734
00:33:57,600 --> 00:33:59,960
Speaker 4: to celebrate only me and my husband.

735
00:34:00,000 --> 00:34:02,320
Speaker 2: And that's actually going to cost you one.

736
00:34:02,120 --> 00:34:06,280
Speaker 4: Thousand dollars to just participate because I don't know. I

737
00:34:06,280 --> 00:34:09,359
Speaker 4: think after having had my wedding and then having had

738
00:34:09,480 --> 00:34:12,239
Speaker 4: so many conversations about this, and like I know of

739
00:34:12,280 --> 00:34:15,280
Speaker 4: a girl who got married and had been going around

740
00:34:15,280 --> 00:34:18,719
Speaker 4: communicating that she's had a more expensive wedding because she

741
00:34:18,800 --> 00:34:22,759
Speaker 4: expects all of her family and friends to contribute generously.

742
00:34:22,239 --> 00:34:24,400
Speaker 2: To the wishing well and that would then cover the wedding.

743
00:34:24,680 --> 00:34:25,440
Speaker 2: That's crazy.

744
00:34:25,520 --> 00:34:29,799
Speaker 4: I think that is insane behavior, like actually insane to

745
00:34:29,840 --> 00:34:33,880
Speaker 4: be putting your financial burdens as a responsibility onto your

746
00:34:33,880 --> 00:34:36,680
Speaker 4: family and friends. So like, I know that that's not

747
00:34:36,719 --> 00:34:38,400
Speaker 4: going to go down well with a lot of people,

748
00:34:38,440 --> 00:34:41,839
Speaker 4: but genuinely, if you cannot afford to pay for all

749
00:34:41,880 --> 00:34:44,799
Speaker 4: of the expenses of your bridal party, don't have one.

750
00:34:45,040 --> 00:34:47,160
Speaker 5: Yeah yeah, or like those ways, you know, like the

751
00:34:47,239 --> 00:34:50,160
Speaker 5: dress thing, Like I love it when I see weddings

752
00:34:50,160 --> 00:34:52,680
Speaker 5: where everyone's worn like one of their own dresses, Like

753
00:34:53,360 --> 00:34:55,120
Speaker 5: can everyone wear you know, if you all have a

754
00:34:55,120 --> 00:34:57,200
Speaker 5: blue dress, like is that something everyone has. Can you

755
00:34:57,280 --> 00:34:59,040
Speaker 5: all wear your favorite blue dress? Well, you know, there's

756
00:34:59,080 --> 00:35:01,759
Speaker 5: ways to do it it It doesn't put the pressure on.

757
00:35:02,080 --> 00:35:05,040
Speaker 5: But I think a lot of weddings, and it's probably

758
00:35:05,440 --> 00:35:07,719
Speaker 5: with the rise of social media, but a lot of

759
00:35:07,760 --> 00:35:11,479
Speaker 5: it feels very like almost like keeping up with people,

760
00:35:11,600 --> 00:35:15,719
Speaker 5: one upping people, like, very performative, almost not to diminish,

761
00:35:15,800 --> 00:35:18,080
Speaker 5: like anyone who's had a big, beautiful wedding, Like I

762
00:35:18,120 --> 00:35:19,080
Speaker 5: know Victoria wedding.

763
00:35:18,920 --> 00:35:21,319
Speaker 2: Was no, no, no, My wedding was over the top. Beck.

764
00:35:21,440 --> 00:35:24,040
Speaker 4: It was insane and I regret not one part of that,

765
00:35:24,400 --> 00:35:27,720
Speaker 4: but the entire thing we had because that's what Steve

766
00:35:27,760 --> 00:35:30,720
Speaker 4: and I wanted, and like I was, like, I posted

767
00:35:30,760 --> 00:35:33,839
Speaker 4: about it online, but like I think, Jess, you were there,

768
00:35:34,280 --> 00:35:36,840
Speaker 4: we didn't post most of the wedding online.

769
00:35:36,520 --> 00:35:39,080
Speaker 2: Because it wasn't actually about that. It wasn't about what

770
00:35:39,120 --> 00:35:39,920
Speaker 2: it looked like.

771
00:35:40,239 --> 00:35:42,439
Speaker 4: But now I'm like looking back and going, oh my god,

772
00:35:42,560 --> 00:35:44,120
Speaker 4: like we spent so much money on that.

773
00:35:44,880 --> 00:35:47,480
Speaker 2: Do people think that that was performative? Oh my god?

774
00:35:47,560 --> 00:35:49,279
Speaker 4: No, it so that people like Jess and you know,

775
00:35:49,440 --> 00:35:51,319
Speaker 4: if I had known you at the time, that you

776
00:35:51,360 --> 00:35:53,840
Speaker 4: could have had a bomb time at my wedding because

777
00:35:53,880 --> 00:35:56,480
Speaker 4: I wanted guests to walk away being like, oh, you

778
00:35:56,520 --> 00:35:57,239
Speaker 4: had the best time.

779
00:35:57,440 --> 00:36:00,120
Speaker 5: Yes, I think we achieved that absolutely, And I think

780
00:36:00,160 --> 00:36:04,280
Speaker 5: like ultimately, the craxit I think is if they're your friends,

781
00:36:05,000 --> 00:36:07,319
Speaker 5: I would hope that they're not going to hold it

782
00:36:07,360 --> 00:36:09,520
Speaker 5: against you if you don't get them a gift.

783
00:36:09,400 --> 00:36:11,960
Speaker 2: Like that's eraise. Don't treat friends that way. They're they're

784
00:36:11,960 --> 00:36:13,080
Speaker 2: they're there to celebrate their love.

785
00:36:13,120 --> 00:36:14,479
Speaker 5: They want you to be a part of that because

786
00:36:14,520 --> 00:36:17,399
Speaker 5: you're obviously a very special person in their life. And

787
00:36:17,680 --> 00:36:21,000
Speaker 5: so my thought would be that there's no pressure or

788
00:36:21,040 --> 00:36:24,480
Speaker 5: expectation on you to give them anything above and beyond

789
00:36:24,719 --> 00:36:25,640
Speaker 5: your your presence.

790
00:36:26,600 --> 00:36:28,760
Speaker 2: What did everybody else? Oh my god, oh god, so juicy?

791
00:36:28,880 --> 00:36:32,000
Speaker 2: Sit down strap in. We asked a few questions.

792
00:36:32,000 --> 00:36:34,920
Speaker 4: First, as always, we said, if you already spent heaps

793
00:36:35,080 --> 00:36:37,120
Speaker 4: to be in the wedding, should you still give a gift?

794
00:36:37,440 --> 00:36:40,480
Speaker 4: Twenty one percent of you said yep, of course. Twenty

795
00:36:40,520 --> 00:36:42,600
Speaker 4: three percent of you said no, being in the wedding

796
00:36:42,640 --> 00:36:46,200
Speaker 4: party is enough, twenty percent said it depends on what

797
00:36:46,880 --> 00:36:49,440
Speaker 4: we have spent, and then thirty six percent of you

798
00:36:49,480 --> 00:36:52,720
Speaker 4: said I would give something small. Wed then even split

799
00:36:52,800 --> 00:36:56,000
Speaker 4: pretty across the board. That's not where it gets spicy.

800
00:36:56,040 --> 00:36:58,359
Speaker 4: We then said, would you feel rude turning up without

801
00:36:58,400 --> 00:37:01,959
Speaker 4: a gift? Of you said only if I'd already done

802
00:37:02,080 --> 00:37:06,040
Speaker 4: so much. Nineteen percent of you said Nope, gifts shouldn't

803
00:37:06,040 --> 00:37:09,839
Speaker 4: be expected, twenty percent said depends on how close we were.

804
00:37:10,360 --> 00:37:12,560
Speaker 4: Fifty one percent of you said, yep, I couldn't turn

805
00:37:12,640 --> 00:37:13,920
Speaker 4: up to a wedding without one.

806
00:37:14,040 --> 00:37:15,319
Speaker 2: I get the anxiety, I.

807
00:37:15,320 --> 00:37:17,359
Speaker 7: Get it, But there you show up and the people

808
00:37:17,360 --> 00:37:19,200
Speaker 7: aren't even there yet, Like I feel like you could

809
00:37:19,200 --> 00:37:21,439
Speaker 7: definitely get away with like no one's seeing you walking

810
00:37:21,440 --> 00:37:23,239
Speaker 7: with that.

811
00:37:24,280 --> 00:37:25,279
Speaker 2: Shows up after you.

812
00:37:25,520 --> 00:37:29,080
Speaker 4: Un ethical money hack put a card on the table

813
00:37:29,480 --> 00:37:33,040
Speaker 4: gift table that mentions in the card hope you love

814
00:37:33,120 --> 00:37:33,399
Speaker 4: the gift.

815
00:37:33,440 --> 00:37:34,120
Speaker 2: We put a lot of.

816
00:37:34,080 --> 00:37:38,440
Speaker 4: Thought into it, and then they won't know which gift

817
00:37:38,480 --> 00:37:41,360
Speaker 4: you got and cards fall off things all the time.

818
00:37:42,160 --> 00:37:44,279
Speaker 2: That's very true. Don't do that.

819
00:37:44,280 --> 00:37:48,319
Speaker 4: That's terrible advice from an ex financial advisor. But we

820
00:37:48,400 --> 00:37:51,000
Speaker 4: also said to the community, what is your two cents?

821
00:37:51,440 --> 00:37:54,560
Speaker 4: First cab off the rank. A gift can be sentimental

822
00:37:54,600 --> 00:37:56,799
Speaker 4: and doesn't have to cost anything at all. So I

823
00:37:56,800 --> 00:37:59,279
Speaker 4: think that that's very beckcoded because I think that you

824
00:37:59,320 --> 00:38:01,200
Speaker 4: would turn up to a wedding with a gift, but

825
00:38:01,239 --> 00:38:05,160
Speaker 4: it doesn't necessarily have to be cash or money or

826
00:38:05,239 --> 00:38:08,880
Speaker 4: cloch love hard one hundred percent. There's a lot of

827
00:38:08,960 --> 00:38:11,680
Speaker 4: clapping hand emojis in this, so I'm not going to

828
00:38:11,760 --> 00:38:13,799
Speaker 4: read all of those out, but in between each word

829
00:38:13,920 --> 00:38:18,239
Speaker 4: is a clapping emoji. So don't have bridal parties you

830
00:38:18,400 --> 00:38:19,480
Speaker 4: can't afford.

831
00:38:19,280 --> 00:38:24,160
Speaker 2: To pay for. That's it. That's it. Copycut.

832
00:38:24,560 --> 00:38:27,840
Speaker 4: Okay, the next person said weddings are money sucks.

833
00:38:27,880 --> 00:38:30,600
Speaker 2: Give them fifty bucks. I mean it's true.

834
00:38:30,800 --> 00:38:33,560
Speaker 4: Somebody else said, and this is a two parter. I

835
00:38:33,640 --> 00:38:36,719
Speaker 4: spent two grand total being in a friend's wedding, and

836
00:38:36,760 --> 00:38:39,719
Speaker 4: now we barely speak because I actually can't get past it.

837
00:38:39,960 --> 00:38:41,319
Speaker 2: I'm actually paying.

838
00:38:41,040 --> 00:38:43,839
Speaker 4: For my entire hands party weekend because of this, so

839
00:38:43,880 --> 00:38:44,879
Speaker 4: nobody else is out.

840
00:38:45,280 --> 00:38:49,279
Speaker 2: That's two thousand dollars. It's just such a staggering amount.

841
00:38:49,040 --> 00:38:51,640
Speaker 7: I know, for something you don't you didn't have any

842
00:38:51,640 --> 00:38:53,680
Speaker 7: control over. For me, it's the same as getting into

843
00:38:53,719 --> 00:38:55,719
Speaker 7: a car accident and your friend asking you to be

844
00:38:55,719 --> 00:38:58,480
Speaker 7: in the bridal party. I'm like, wow, here's this huge,

845
00:38:58,600 --> 00:39:01,000
Speaker 7: unexpected cost I didn't prepare for.

846
00:39:01,200 --> 00:39:02,840
Speaker 2: It's no not like actually.

847
00:39:02,440 --> 00:39:04,600
Speaker 4: Wild right, And I keep bringing this back to me.

848
00:39:05,200 --> 00:39:07,560
Speaker 4: I think because I've had a wedding. But also I'm

849
00:39:07,560 --> 00:39:10,719
Speaker 4: a finance person, like I was a financial advisor. I

850
00:39:10,760 --> 00:39:12,719
Speaker 4: talk about money all the time. I run cheese on

851
00:39:12,760 --> 00:39:17,160
Speaker 4: the money. And when I was starting to plan my wedding,

852
00:39:17,280 --> 00:39:19,760
Speaker 4: one of the first conversations I had with my husband

853
00:39:19,960 --> 00:39:22,279
Speaker 4: was like, hey, like, I don't think we've seen any

854
00:39:22,320 --> 00:39:24,960
Speaker 4: of our friends do this, because like my husband had

855
00:39:24,960 --> 00:39:29,040
Speaker 4: been in Upplothora of bridal parties before groom's parties or

856
00:39:29,080 --> 00:39:31,600
Speaker 4: whatever we want to call them, and like, so would I,

857
00:39:31,719 --> 00:39:34,520
Speaker 4: and we'd all paid for it, and like I'd actually

858
00:39:34,560 --> 00:39:37,120
Speaker 4: never held a grudge. So like, just to be very clear,

859
00:39:37,239 --> 00:39:39,000
Speaker 4: if I was in your bridal party and you asked

860
00:39:39,000 --> 00:39:41,040
Speaker 4: me to pay, I don't feel bad. But then my

861
00:39:41,160 --> 00:39:44,960
Speaker 4: opinion is very different to like the facilitation of that, right,

862
00:39:45,000 --> 00:39:47,120
Speaker 4: like you ask me, I'm actually willing to do that.

863
00:39:47,120 --> 00:39:48,959
Speaker 2: That's fine, no skin off my back.

864
00:39:49,239 --> 00:39:50,879
Speaker 4: But when it came to my wedding, I sat down

865
00:39:50,880 --> 00:39:54,279
Speaker 4: and said to my husband, our bridal party doesn't lift

866
00:39:54,280 --> 00:39:57,200
Speaker 4: a finger like they do not like they're there for us.

867
00:39:57,239 --> 00:39:59,840
Speaker 4: They do not spend a cent like on their suits,

868
00:40:00,120 --> 00:40:03,600
Speaker 4: their makeup, on their shoes, and I even paid so

869
00:40:03,760 --> 00:40:07,560
Speaker 4: much for my own Hens weekends and Hen's trips that

870
00:40:07,600 --> 00:40:09,279
Speaker 4: we went on because I was like, I'm not having

871
00:40:09,320 --> 00:40:12,480
Speaker 4: other people pay for something that I'm getting, Like, yeah,

872
00:40:12,520 --> 00:40:15,400
Speaker 4: hopefully they enjoyed it, but like this was for me,

873
00:40:15,960 --> 00:40:18,680
Speaker 4: Like this wasn't for anybody else. Yeah, So for me,

874
00:40:18,800 --> 00:40:23,000
Speaker 4: I was just very adamant that the money would come

875
00:40:23,040 --> 00:40:26,680
Speaker 4: from me. And my idea on that was that if

876
00:40:26,760 --> 00:40:29,720
Speaker 4: I couldn't afford it, we wouldn't be doing those things.

877
00:40:29,960 --> 00:40:31,799
Speaker 4: Because if you can't afford it, why would your friends

878
00:40:31,840 --> 00:40:32,280
Speaker 4: be able.

879
00:40:32,160 --> 00:40:32,759
Speaker 2: To afford it?

880
00:40:32,840 --> 00:40:34,759
Speaker 5: And people don't love you less because they don't have

881
00:40:34,800 --> 00:40:35,719
Speaker 5: that money to give you.

882
00:40:35,760 --> 00:40:36,480
Speaker 2: Absolutely not.

883
00:40:36,760 --> 00:40:40,000
Speaker 4: Another comment was something needs to give with weddings. It's

884
00:40:40,080 --> 00:40:42,920
Speaker 4: not actually realistic in twenty twenty five to do this

885
00:40:42,960 --> 00:40:47,880
Speaker 4: any longer. Yeah, on the entire financial landscape has changed,

886
00:40:47,920 --> 00:40:50,920
Speaker 4: so that is so true. Another person said, you don't

887
00:40:50,960 --> 00:40:53,000
Speaker 4: have to accept being in the wedding party and you

888
00:40:53,040 --> 00:40:55,400
Speaker 4: can always set boundaries on finance.

889
00:40:55,239 --> 00:40:55,960
Speaker 2: Which is true.

890
00:40:56,000 --> 00:40:59,160
Speaker 4: But like if your best friend or someone you're so

891
00:40:59,239 --> 00:41:01,760
Speaker 4: close with is I would love for you to stand

892
00:41:01,840 --> 00:41:05,120
Speaker 4: by me on arguably the most important day of my life.

893
00:41:05,920 --> 00:41:08,840
Speaker 2: It's a big question. Yeah, yes, and that's so beautiful.

894
00:41:09,040 --> 00:41:11,439
Speaker 4: It doesn't all come back to finances, which is why,

895
00:41:11,800 --> 00:41:14,399
Speaker 4: Like there's a split between me going if somebody asked

896
00:41:14,400 --> 00:41:15,920
Speaker 4: me to be part of their bridal party and I

897
00:41:15,960 --> 00:41:19,160
Speaker 4: had to pay, no grudge. But I'm very much of

898
00:41:19,160 --> 00:41:21,960
Speaker 4: the opinion that if you want to speak from a

899
00:41:22,000 --> 00:41:24,960
Speaker 4: financial perspective, that should not be the burden of the

900
00:41:24,960 --> 00:41:28,799
Speaker 4: people participating. Yes, another person, I'm going to do two more.

901
00:41:29,080 --> 00:41:32,319
Speaker 4: Another person said, why do hens and bucks have to

902
00:41:32,360 --> 00:41:35,160
Speaker 4: be so extravagant these days? What is wrong with a

903
00:41:35,200 --> 00:41:37,600
Speaker 4: simple afternoon or night out with the boys?

904
00:41:37,840 --> 00:41:38,280
Speaker 2: Totally?

905
00:41:38,680 --> 00:41:41,399
Speaker 4: Another person and this is the last You will never

906
00:41:41,520 --> 00:41:44,480
Speaker 4: regret giving a gift. You may end up regretting not

907
00:41:44,600 --> 00:41:46,520
Speaker 4: giving one, though you can give one later.

908
00:41:47,200 --> 00:41:48,040
Speaker 2: Yeah, that's true.

909
00:41:48,440 --> 00:41:51,760
Speaker 4: Also bonus one. Someone said, make a loping great again.

910
00:41:52,040 --> 00:41:54,200
Speaker 2: Honestly, yes, here for it.

911
00:41:54,440 --> 00:41:59,640
Speaker 4: Oh please, Like, if anybody wants to get married Elope, y, Elope.

912
00:41:59,200 --> 00:42:00,840
Speaker 2: Go to the courthouse and then have a dinner with

913
00:42:00,840 --> 00:42:02,280
Speaker 2: your family and practice.

914
00:42:02,440 --> 00:42:05,359
Speaker 4: I think just to look turn up one day Jess

915
00:42:05,360 --> 00:42:07,000
Speaker 4: and be like, by the way, I'm married?

916
00:42:08,120 --> 00:42:10,960
Speaker 2: Why not? Absolutely? I love it.

917
00:42:11,040 --> 00:42:14,040
Speaker 4: Anyway, guys, it has been a good little chat. What

918
00:42:14,080 --> 00:42:17,439
Speaker 4: a good Friday episode Gordous So we'll see you guys

919
00:42:17,520 --> 00:42:19,600
Speaker 4: bride and early on Monday morning for our money, Darien,

920
00:42:19,680 --> 00:42:21,440
Speaker 4: have the best weekend by guys.

921
00:42:21,560 --> 00:42:23,840
Speaker 3: Bye.

922
00:42:27,800 --> 00:42:30,360
Speaker 6: The advice shared on She's on the Money is general

923
00:42:30,400 --> 00:42:34,239
Speaker 6: in nature and does not consider your individual circumstances. She's

924
00:42:34,280 --> 00:42:37,760
Speaker 6: on the Money exists purely for educational purposes and should

925
00:42:37,800 --> 00:42:40,960
Speaker 6: not be relied upon to make an investment or financial decision.

926
00:42:41,360 --> 00:42:43,799
Speaker 6: If you do choose to buy a financial product, read

927
00:42:43,800 --> 00:42:47,160
Speaker 6: the PDS TMD and obtain appropriate financial.

928
00:42:46,719 --> 00:42:48,520
Speaker 2: Advice tailored towards your needs.

929
00:42:48,880 --> 00:42:52,840
Speaker 6: Victoria Divine and She's on the Money are authorized representatives

930
00:42:52,880 --> 00:42:56,759
Speaker 6: of Money. Sheper Pty Ltd ABN three two one is

931
00:42:56,800 --> 00:43:00,160
Speaker 6: six four nine two seven seven zero eight af I

932
00:43:00,200 --> 00:43:12,719
Speaker 6: sell four five one two eight nine mm hmm