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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 Whoalbury and a waddery woman. And before

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money, She's on the Money.

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Speaker 4: Hello, and welcome to She's When the Money the Podcast

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Speaker 4: Millennials who want financial freedom. Today is Friday, which means

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Speaker 4: it's time to get the team together to celebrate you

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Speaker 4: the incredible She's on the Money community. But today is

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Speaker 4: no ordinary Friday because it's Jessica Ricky right now. Victoria

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Speaker 4: Divine is not with us, she's currently on maternity leave

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Speaker 4: and it's me and Miss Becksayed holding down the fort.

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Speaker 5: Hi.

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Speaker 6: Guys, we do have a special guest though with us.

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Speaker 6: We are going to have some friends of the show

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Speaker 6: on over the next few weeks while v is on

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Speaker 6: matt leave. Today, we do have a wonderful friend, Michelle Battersby.

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Speaker 6: Welcome to the show.

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Speaker 2: Thank you so much for having me. It's an honor.

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Speaker 5: Thank you so much.

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Speaker 6: For those who don't know yourself or much about you,

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Speaker 6: please give us a little a little rundown.

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Speaker 2: Wow. Okay.

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Speaker 7: So I've worked in tech startups for the past nine years.

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Speaker 7: I got my start in the tech industry. I was

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Speaker 7: the seventh employee at Bumble globally. I was the first

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Speaker 7: employee at Bumble in Australia and I launched the brand

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Speaker 7: into the Astra Alien market and then into four other countries.

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Speaker 7: And working at Bumble was really where I found my

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Speaker 7: passion for working on products that bettered the lives of

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Speaker 7: women and the people using them. So I've since gone

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Speaker 7: on to start my own startup, which is called Sunroom.

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Speaker 7: It's based in LA I'm based in LA We've raised

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Speaker 7: about seven million US dollars in venture capital and now

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Speaker 7: we're taking that money building a product that puts money

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Speaker 7: back in women and non binary creators hands.

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Speaker 2: So yeah, that's me.

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Speaker 5: I guess incredible.

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Speaker 4: That is a phenomenal resume. It's always so hard when

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Speaker 4: someone says to you, tell me about yourself, to sum

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Speaker 4: up your whole experience as a human being into a

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Speaker 4: few short sentences. But I must say yours is absolutely killer,

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Speaker 4: absolutely very impressive. Now, don't worry everybody, We're not going

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Speaker 4: to switch up the format on you too much. Today

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Speaker 4: we're going to be sharing some of our favorite money wins.

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Speaker 4: Beck is going to share some of her best brook tips,

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Speaker 4: and we're going to be helping to answer a juicy

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Speaker 4: money dilemma, which this week is all about taking a

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Speaker 4: pay cut to work for a company that will get

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Speaker 4: you future opportunities. And we're going to unpack something that

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Speaker 4: you slid into our DMS about which this week is

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Speaker 4: all about how to prioritize your finances, choosing to have

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Speaker 4: kids or your lifestyle, which I think could be very

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Speaker 4: interesting to chat about. But before we get there, how's

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Speaker 4: everybody's week been, Michelle?

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Speaker 2: What have you been up to?

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Speaker 8: Oh?

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Speaker 2: How's my week being?

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Speaker 9: Well?

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Speaker 7: I mean, speaking of Victoria being out, I'm nearly six

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Speaker 7: months pregnant, so run I'm navigating that as well. So

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Speaker 7: it feels good to be helping out a fellow, you know,

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Speaker 7: fresh mum to be yeah, trying to just get my

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Speaker 7: life in order. I've started to think about what I

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Speaker 7: will do with my company as I approach birth, so

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Speaker 7: there's a bit on I'm just getting ready for aw

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Speaker 7: some change.

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Speaker 4: Is it really overwhelming because I guess for the average person,

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Speaker 4: you have such a standard process. You take your parental leave,

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Speaker 4: you know, you then decide whether you're going to re

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Speaker 4: enter the workforce, but that's part time, full time. But

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Speaker 4: watching VD go through it, when you're the owner of

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Speaker 4: the company, there's not really any rules. You can do

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Speaker 4: whatever you want. Yeah, which I feel like to the

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Speaker 4: average person you go, oh my god, that sounds amazing.

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Speaker 4: But I can see that it is on the other side,

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Speaker 4: very almost overwhelming, because you're so passionate generally you know

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Speaker 4: about your company and the thing that you've built, but

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Speaker 4: you're also I would imagine, extremely passionate and excited about

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Speaker 4: the family and that new adventure. Have you found it

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Speaker 4: hard to kind of figure out what to do because

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Speaker 4: there's not really a blueprint for you.

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Speaker 7: Definitely, I feel it is such a privilege having your

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Speaker 7: own company and navigating pregnancy at the same time, because

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Speaker 7: you are able to make the rules. And I'm also

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Speaker 7: very conscious similarly to Victoria. When you have so many

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Speaker 7: women working for you as well, I feel like I

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Speaker 7: really want to do this well and show them that

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Speaker 7: if and when they choose to go through this, they'll

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Speaker 7: be supported by me and by sun Room. I'm lucky

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Speaker 7: because I actually reached out to our lead investor, which

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Speaker 7: is an Australian VC fund, and they actually pulled together

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Speaker 7: a women's circle type thing full of all the women

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Speaker 7: that they'd invested in over the past few years that

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Speaker 7: were moms or were becoming mums, and I was actually

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Speaker 7: able to listen to how they navigated this as a founder,

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Speaker 7: and some of them had some amazing approaches to how

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Speaker 7: they've done it. So I think I'm going to take

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Speaker 7: a bit of a phased approach, and I'm going to

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Speaker 7: allow myself sometime where I'm not contacted unless it's for

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Speaker 7: an emergency, and then I think I'm going to try

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Speaker 7: and gradually enter my way back in.

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Speaker 2: It will be quite soon.

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Speaker 7: I think that's one of the downfalls of it being

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Speaker 7: your own company is there never really is that time off.

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Speaker 7: But I'm also just trying to be flexible with myself

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Speaker 7: and recognize that I have absolutely no idea what this

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Speaker 7: is going to be like and just set myself up

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Speaker 7: with the support that I need and that Sunroom needs.

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Speaker 4: That's awesome. It's great to hear you know that you're modeling.

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Speaker 4: I guess for other women too, because I think for

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Speaker 4: so long, you know, it's almost a scary thing like

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Speaker 4: having a baby in your career, and yeah, I think

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Speaker 4: having someone that people can look to and see how

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Speaker 4: that experience goes is awesome.

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Speaker 7: Yeah, I've felt that as well, Like I've been the

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Speaker 7: employee in so many companies where I haven't felt necessarily

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Speaker 7: like I would be safe or supported through this, and

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Speaker 7: I think that's a reality for many women. So I

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Speaker 7: think it's very important that we are modeling it in

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Speaker 7: a way that shows this is something that will be

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Speaker 7: celebrated and won't be looked at as a threat to productivity,

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Speaker 7: which unfortunately it is in some workforces.

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Speaker 4: One hundred percent, I feel like we're gonna have a

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Speaker 4: really good conversation about this week's DM because yeah, I

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Speaker 4: think it is so good. But before we get there,

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Speaker 4: how's your week beat? What have you been up to? Why?

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Speaker 2: We has been absolutely lovely.

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Speaker 6: The weather's been as per usual, kind of nice, sometimes

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Speaker 6: kind of not nice. Sometimes that's quite a right, but otherwise, yeah,

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Speaker 6: just like you know, doing the usual. Yeah, gone with gym,

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Speaker 6: hitting the waits, seeing friends and yeah watching I've watched

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Speaker 6: saltburn about you guys, but.

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Speaker 4: What did you think? I've heard crazy reviews.

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Speaker 5: I loved it.

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Speaker 6: I was like waiting for something crazy to happen. I

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Speaker 6: was like, hey, you know, I can't see anything that's.

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Speaker 4: You didn't think anything crazy? Did you watch it? I know,

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Speaker 4: but I've heard a few of the key bizarre.

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Speaker 6: Sure, sure, sure, And that's obviously something that maybe.

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Speaker 4: You're not my normal behavior that I would choose to

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Speaker 4: take in, but not your day to day I'm not

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Speaker 4: here to youck anybody's young.

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Speaker 5: Of course, Michelle, have you watched it?

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Speaker 7: I haven't, and it's because I've been so scared by

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Speaker 7: some of the stuff I've been saying on TikTok.

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Speaker 5: Yah, don't be scared.

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Speaker 2: Guy.

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Speaker 7: Yeah, you're giving me the confidence to potentially watch it.

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Speaker 7: Is it something I can watch alone? Or do I

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Speaker 7: need company? You could absolutely watch it alone. It's scary

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Speaker 7: or anything. It's honestly like, yeah, there are some weird

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Speaker 7: things in there, or you know whatever, but it's such

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Speaker 7: a great movie you can watch.

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Speaker 6: Don't listen to TikTok. That's what stopped me as well,

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Speaker 6: because I was like, I need the Bible or something.

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Speaker 6: But honestly, it's like, it's it's great movie. It's a

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Speaker 6: great movie.

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Speaker 4: Mm hmm. What about you?

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Speaker 5: How's your weep be in?

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Speaker 4: It's been good. It's been very very busy, you know,

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Speaker 4: with VD heading off, I think we've been all hands

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Speaker 4: on deck just trying to navigate through that. But it's

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Speaker 4: really fun and I'm so excited to get to do

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Speaker 4: things with you, spend a little bit of time together,

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Speaker 4: chat tyg corgeous guests. I think it's going to be

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Speaker 4: a really fun, exciting time for all of us. And

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Speaker 4: I mean, any excuse to buy cute, tiny baby clothes

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Speaker 4: for somebody totally signed me up. Absolutely dream live for

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Speaker 4: it totally.

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Speaker 6: I think that kind of takes us into your money

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Speaker 6: wins for the week. Absolutely cheap, cheap, cheap baby clothes.

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Speaker 4: No cheap cheap baby clothes. But I did have a

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Speaker 4: few really good ones. Let me r and you threw them. Okay, firstly,

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Speaker 4: I've got a money win and very on theme with

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Speaker 4: the baby thing from Kaylor who said I price checked

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Speaker 4: nappies and found them to be eight cents per nappy

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Speaker 4: cheaper at Costco, and when I got there there was

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Speaker 4: also an instant rebate available.

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Speaker 5: Cool.

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Speaker 4: I didn't even know that that was a thing, but

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Speaker 4: I love when people check the cost per unit. I

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Speaker 4: feel like that is.

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Speaker 5: So smart doing God's work.

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Speaker 4: Absolutely. Next, I've got a money when, also baby themed

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Speaker 4: from Agnes who said I've been meaning to buy a

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Speaker 4: new pair of docks. My feet have changed size since

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Speaker 4: being pregnant, as my old ones didn't fit. Platypus had

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Speaker 4: a sale and I purchased a new pair for one

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Speaker 4: hundred and eighty dollars when it is normally three hundred.

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Speaker 4: That's very seeing your feet changing size during pregnant.

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Speaker 7: Oh, I've heard this can happen, and I'm terrified because

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Speaker 7: I'm already a forty so I really don't want them

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Speaker 7: to be going up a size and apparently they can

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Speaker 7: stay there once.

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Speaker 6: Oh no, no, it's like a second gross.

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Speaker 4: I'm not gonna lie watching VD go through it. Yeah,

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Speaker 4: it is rare, the changes. I don't know that I'm

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Speaker 4: so old if I'm mean, all sounds a joy in

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Speaker 4: a mirror. Call for everybody else to totally love it. Next,

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Speaker 4: I've got money in from Cass who said, my teacher

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Speaker 4: goal is to not buy from the canteen this year

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Speaker 4: and take my own lunch every day. I found a

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Speaker 4: brand new cute lunch box in an op shop marked

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Speaker 4: for two dollars, and then when I went to pay,

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Speaker 4: the volunteer marked my four items down from twenty four

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Speaker 4: dollars to nine dollars, so I essentially got the lunch

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Speaker 4: box for less than a buck. I googled the brand

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Speaker 4: and it sells for anywhere between twenty five and thirty

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Speaker 4: one dollars normally. Huh, discounts of the opshop. You love

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Speaker 4: to see it.

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Speaker 5: Love to see it.

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Speaker 4: Didn't even know that was a thing I know. Next,

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Speaker 4: I've got a money in from Rebecca, who said I

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Speaker 4: bought my first ever ETF this morning and I've already

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Speaker 4: made eighteen cents and she put a wonderful picture.

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Speaker 5: Oh amazing.

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Speaker 6: I think that's the original photo.

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Speaker 5: I think so, Tue.

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Speaker 4: I don't know if Michelle's going to be able to

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Speaker 4: see this, but it's Rebecca Wilson, the Wolf of Wolf Street,

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Speaker 4: and it's absolutely iconic.

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Speaker 2: Oh my god, so funny.

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Speaker 4: I love it when people put pictures in the thread.

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Speaker 4: It is my absolute favorite thing. Ever. The next money

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Speaker 4: when I feel like I have to read because Beck

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Speaker 4: was looking over my shoulder because there is also a

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Speaker 4: picture and it's from cheven and she said money when

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Speaker 4: I've not purchased coffee at work in the past week,

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Speaker 4: so I saved seven dollars per coffee. Some days I

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Speaker 4: have three. So that's a huge savings for me. I

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Speaker 4: got this bad boy and it works a treat, and

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Speaker 4: I believe it is a thermos.

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Speaker 6: It does look like it could be a thermois or

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Speaker 6: possibly you know what, like I know, if you had

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Speaker 6: this mache but like you know, your grandparents wild always

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Speaker 6: have those like muscle things that like massages, like those

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Speaker 6: with the big head on the wall.

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Speaker 2: Oh yeah, yeah, yeah.

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Speaker 6: It's I mean, that's what's reminded me of. And it

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Speaker 6: is like a little you know, I don't know though,

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Speaker 6: but yes, that's lovely.

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Speaker 3: Is it?

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Speaker 2: Sex toy? Is that the vibe you're getting?

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Speaker 4: Can you? That's what the camera so she can see it, and.

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Speaker 6: Especially because when you had like when you had it

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Speaker 6: hadn't one. Oh yeah, it looked before she scrawl, before

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Speaker 6: she scrolled, it looked like the rabbit.

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Speaker 5: I was like, oh my god, I think it's.

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Speaker 4: It's the fact that there's liquid coming out of it

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Speaker 4: as well. There's a lot going on, but that is

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Speaker 4: a great win. Chevon, very pleased for you. And then lastly,

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Speaker 4: I have a money win from Izzy, who said I

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Speaker 4: taught my mom how to use Facebook marketplace to sell

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Speaker 4: extra furniture she wanted to get rid of and now

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Speaker 4: she's making a little bit of money on the side

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Speaker 4: on some great quality items that otherwise would have gone

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Speaker 4: out to her curb for someone to pick up for free. Yeah,

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Speaker 4: mum technology. And now we've decided that anyone that comes

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Speaker 4: on the show, because you're so involved in the community,

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Speaker 4: we would love to hear from you as well. So Michelle,

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Speaker 4: do you have a money win or a money loss

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Speaker 4: to share with us this week.

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Speaker 7: I've got a sad money loss. So I bought something

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Speaker 7: online the other week and as I was purchasing it,

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Speaker 7: I thought, I don't know if this is gonna work,

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Speaker 7: but I must return it if it doesn't.

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Speaker 2: And it didn't work.

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Speaker 7: I actually got a bump one of those bump suit

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Speaker 7: dresses and I was like, so kay, and you know

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Speaker 7: I get to wear a bump suit. Now I'm getting

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Speaker 7: a bump and it wash not not for.

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Speaker 1: Me at all.

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Speaker 7: And then you know when it just gets away from

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Speaker 7: you time and you print the label and it's all

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Speaker 7: feeling like a chore you just don't want to do.

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Speaker 7: And then I forgot that it was a long weekend

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Speaker 7: in the US, and now I've missed the deadline, and

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Speaker 7: so I may as well have just flushed, you know,

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Speaker 7: one hundred and fifty dollars down the toilet, do you reckon?

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Speaker 4: You can just chuck it in the post and just

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Speaker 4: hope that nobody notices I've done that before. I missed

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Speaker 4: it by well, especially with the long weekend. If you

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Speaker 4: if like, if they questioned it, just say, oh, I

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Speaker 4: popped it in a post box on Sunday and they

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Speaker 4: must have just had a backlog from the week. You know.

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Speaker 7: I don't even know if we have post boxes in America.

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Speaker 7: I feel like a postage system here is very dated.

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Speaker 7: I've never seen a post Oh my god, do.

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Speaker 6: You have to say a post sack sack around?

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Speaker 4: Yeah, that would be crazy.

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Speaker 2: I don't know anyway, that's my loss, just a bit

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Speaker 2: of laziness.

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Speaker 5: Oh yeah, ckon, you could sell it for a similar price.

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Speaker 2: I could, but I'm also lazy in that regard.

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Speaker 7: That's a lot of us at that sort of thing

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Speaker 7: and like eBay and d pop.

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Speaker 2: But yeah, no, I think it's.

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Speaker 4: Hard, especially when you're hauling around a whole extra human

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Speaker 4: to do all your tasks as well. I feel like

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Speaker 4: that makes everything ten times more of.

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Speaker 6: A chore than normal, totally. You know, when I do

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Speaker 6: things like that, sometimes I try and think, like, oh,

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Speaker 6: let's pretend that this coffee instead of six dollars or

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Speaker 6: seven dollars, and I just add, like delegate those funds

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Speaker 6: to other things and pretend in my mind that they

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Speaker 6: were more expensive, you know what I mean. So let's

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Speaker 6: pretend your jumper was way more expensive than you know.

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Speaker 6: You know, does that make does it make you feel better?

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Speaker 7: Or does that make or maybe I'll buy something on

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Speaker 7: sale next week and I'll see Yeah exactly, girl.

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Speaker 2: Math a bit of it money? Yeah exactly exactly.

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Speaker 4: All right, Beck, have you got any broke tips to

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Speaker 4: share with us this week? I do.

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Speaker 6: I have one from the community and one from myself,

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Speaker 6: and then I believe Michelle has one of her own.

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Speaker 6: I'll start with the community broke tip. This one comes

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Speaker 6: from Xavier, who says an exercise reframing, so go to

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Speaker 6: the supermarket, set yourself a ready steady cook style challenge

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Speaker 6: of cooking with only four ingredients, ideally those four ingredients

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Speaker 6: that are on special. That doesn't have to be the case,

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Speaker 6: but I think this is a really good idea, just

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Speaker 6: kind of like making it obviously like not to like

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Speaker 6: trivialize or like, you know, speak about someone's really really

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Speaker 6: genuinely hard money circumstance or something that can be turned

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Speaker 6: into fun, because it absolutely can't. It sometimes is really bad,

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Speaker 6: and you know, I'm not trying to you know, do

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Speaker 6: that at all. But if you are just trying to

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Speaker 6: save money, or if you are just a little bit

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Speaker 6: broke and waiting for your next payday and it's not

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Speaker 6: so bad, then this is a really fun way to

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Speaker 6: kind of just like I don't know, just yeah, just

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Speaker 6: reframe it, you know, be like, you know what, this week,

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Speaker 6: I'm gonna, yeah, make a you know, do a challenge

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Speaker 6: for myself by things that are either only on special,

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Speaker 6: or make recipes that are only three or four ingredients,

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Speaker 6: or only use what's in my house, like kind of

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Speaker 6: like you know, sitting yourself fun challenges.

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Speaker 4: In that way gamifying it is a really good trick

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Speaker 4: for people with ADHD. That's how a lot of people

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Speaker 4: manage to keep tho zelves on track, is like by

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Speaker 4: turning those mundane every day touts. So maybe if you

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Speaker 4: just eat, don't even like cooking, that could be a

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Speaker 4: good way to get yourself into Cooking is gamified a

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Speaker 4: little bit. I like that ready Steady cook, so act

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Speaker 4: like a co host to get a little microphone out

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Speaker 4: set of time off you, and then.

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Speaker 6: You could judge your own food with a little like

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Speaker 6: you know, what are the capscum and tomato sign y?

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Speaker 1: Yeah?

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Speaker 2: I think that was.

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Speaker 6: My broke tip for this week. This is kind of

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Speaker 6: like something I used to do. I want to kind

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Speaker 6: of do this more. But I bought a seven dollar

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Speaker 6: French press from Kmart and a two dollar stick milk

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Speaker 6: frother you guys know those like little I guess it's

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Speaker 6: like a milkshake froterer as.

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Speaker 4: Well, the wy ones, the wizzy ones.

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Speaker 6: Yeah, and I would just instead of going out and

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Speaker 6: buying coffee, I would just make myself coffee home, which

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Speaker 6: seems like a really really easy, like common sensical sort

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Speaker 6: of way to save money.

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Speaker 5: I totally get that.

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Speaker 6: But when you really think about it, like you don't

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Speaker 6: have to spend heaps of money on like a coffee

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Speaker 6: machine or really expensive milk froth literally seven dollar French press,

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Speaker 6: two dollar milk froth, and that'll I don't know, that'll

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Speaker 6: get you. I think it came from because I would

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Speaker 6: spend like six dollars per day at least on.

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Speaker 4: So that's like a day's worth of coffee to buy

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Speaker 4: your set up pretty much exactly.

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Speaker 6: And then what do you spend like two dollars on

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Speaker 6: oat milk or whatever. You buy maybe seven dollars for

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Speaker 6: coffee that'll last you like two three weeks, so so

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Speaker 6: so so much cheaper than buying coffee out, So do try.

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Speaker 6: This is also kind of like reframing, which will lead

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Speaker 6: me into Michelle's one. I'm tending yourself these little challenges

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Speaker 6: and it might be fun.

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Speaker 5: I love that, Michelle. Please feel free to share you.

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Speaker 7: On there is a theme because mine is a little

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Speaker 7: bit of a reframe as well. So I was reading

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Speaker 7: an article the other day and it said that thirty

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Speaker 7: nine percent of working Americans have a side hustle.

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Speaker 2: I have two side hustles.

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Speaker 7: I make money on my own app Sunroom, and then

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Speaker 7: I write a monthly column for the SMH and the Age,

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Speaker 7: and I've started just putting the money from those two

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Speaker 7: side hustles into a separate bank account that I just

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Speaker 7: don't look at, and I feel like it's this bonus

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Speaker 7: money that just exists over there. And I think with

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Speaker 7: the cost of living, I think side hustles are just

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Speaker 7: going to become more and more common. But I think

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Speaker 7: we often think about a side hustle as like you're

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Speaker 7: starting some second business on the side and it needs

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Speaker 7: to then become your dominant form of income. But really

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Speaker 7: a side hustle can just be about optimizing something that

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Speaker 7: you're already doing or something that you really enjoy and

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Speaker 7: finding a way to monetize that. Like if you are

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Speaker 7: creating content on the Internet and putting it out there

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Speaker 7: for free user monetization platform. If you are really opinionated

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Speaker 7: and love writing, start a substack and look at a

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Speaker 7: way to monetize a newsletter deepop if you're really into

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Speaker 7: clothes freelancing. There's so many platforms that now exist that

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Speaker 7: will allow people to become virtual assistants and these sorts

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Speaker 7: of things, and it doesn't need to take up a

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Speaker 7: huge amount of your time, Like I would say about

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Speaker 7: three hours a week of mine is put into these

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Speaker 7: side hustles. So I think a side hustle, not seeming

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Speaker 7: like some daunting big thing, is another good way to

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Speaker 7: maybe just like dip your toe in the water and

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Speaker 7: start to look for ways where you can bring any

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Speaker 7: of it and even an extra three hundred dollars a

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Speaker 7: month or five hundred dollars a month that could really

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Speaker 7: make a difference in today's society.

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Speaker 4: Oh my god, I completely agree. I love a side hustle.

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Speaker 4: Of the listeners know, and anyone who follows me on

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Speaker 4: TikTok would know. I did a thousand dollar challenge just

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Speaker 4: at the end of last year. I needed a little

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Speaker 4: bit of extra cash to get to the savings goal

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Speaker 4: that I had for my house deposit. And I made

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Speaker 4: a grand in two weeks. And it was nothing strenuous.

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Speaker 4: It was just selling stuff on Facebook marketplace, selling stuff

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Speaker 4: on deepop. I picked up a few social media jobs online,

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Speaker 4: I did surveys, like I tested like a million different things. Yes, yeah,

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Speaker 4: which I know is very controversial, but it worked for

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Speaker 4: me for that short time period, and I was just

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Speaker 4: like that little sprint of a couple of weeks for it.

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Speaker 4: A thousand dollars is a lot of money, and it

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Speaker 4: was just by picking up all these little bits and

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Speaker 4: pieces and as you said, it's just it was a

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Speaker 4: supplementary for me. I need to hit this goal. I

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Speaker 4: have this thing that I really want to do. How

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Speaker 4: do I get there? And it was perfect. It's kind

440
00:20:00,400 --> 00:20:02,280
Speaker 4: of again going back to that idea of gamifying. Wow,

441
00:20:02,280 --> 00:20:05,120
Speaker 4: we're really all on the same page now, so we're

442
00:20:05,160 --> 00:20:08,320
Speaker 4: all vibing. I love it. Let's go to a really

443
00:20:08,359 --> 00:20:10,520
Speaker 4: quick break and when we come back, we're going to

444
00:20:10,560 --> 00:20:14,000
Speaker 4: be answering a juicy money question, which is all about

445
00:20:14,119 --> 00:20:16,439
Speaker 4: taking a pay cut to work for a company that

446
00:20:16,440 --> 00:20:18,920
Speaker 4: will give you great opportunities in the future, and also

447
00:20:19,040 --> 00:20:22,359
Speaker 4: unpack a DM about prioritizing your financewers or choosing to

448
00:20:22,400 --> 00:20:24,200
Speaker 4: have kids. Don't go anywhere.

449
00:20:29,160 --> 00:20:31,320
Speaker 5: Welcome back everyone. Here's our money dilemma for this week.

450
00:20:33,359 --> 00:20:34,480
Speaker 4: Hi, there, have you.

451
00:20:34,440 --> 00:20:37,040
Speaker 8: Got a money dilemma you just can't solve? The Sheese

452
00:20:37,040 --> 00:20:39,680
Speaker 8: on the Money team is here to help. Every week,

453
00:20:39,760 --> 00:20:42,560
Speaker 8: we tackle your dilemmas, both big and small, to answer

454
00:20:42,600 --> 00:20:44,120
Speaker 8: your most burning money.

455
00:20:43,840 --> 00:20:45,200
Speaker 4: Career and life questions.

456
00:20:45,440 --> 00:20:47,920
Speaker 8: To get involved simply head to our website and leave

457
00:20:48,000 --> 00:20:50,120
Speaker 8: us a short voice recording, and you might just find

458
00:20:50,119 --> 00:20:52,800
Speaker 8: yourself on the show. Now, let's take a listen to

459
00:20:52,880 --> 00:20:54,120
Speaker 8: this week's money dilemma.

460
00:20:55,720 --> 00:20:57,760
Speaker 9: Hey, team, I was hoping you'd be able to help

461
00:20:57,800 --> 00:21:01,280
Speaker 9: me with a career question. Currently, I mean a really

462
00:21:01,359 --> 00:21:04,159
Speaker 9: well paying job. However, I feel as though I have

463
00:21:04,320 --> 00:21:08,280
Speaker 9: outgrown it and I'm looking to move on to another company. However,

464
00:21:08,400 --> 00:21:11,040
Speaker 9: as I have been looking for jobs, I've realized that

465
00:21:11,080 --> 00:21:13,880
Speaker 9: the skills I have are more equal to lower paying

466
00:21:13,960 --> 00:21:17,080
Speaker 9: jobs at other companies. My question is, do you think

467
00:21:17,080 --> 00:21:19,800
Speaker 9: it's worth taking a step back, not only in my

468
00:21:19,960 --> 00:21:22,200
Speaker 9: pay but in my career to go to a company

469
00:21:22,240 --> 00:21:24,960
Speaker 9: that will hopefully provide me with better opportunities in the future.

470
00:21:25,680 --> 00:21:28,200
Speaker 9: I'm really struggling with the cost of living at the moment,

471
00:21:28,320 --> 00:21:30,800
Speaker 9: so taking a pay cut is not something I'm super

472
00:21:30,840 --> 00:21:31,359
Speaker 9: keen about.

473
00:21:33,080 --> 00:21:34,119
Speaker 5: Makes a lot of sense.

474
00:21:34,280 --> 00:21:36,399
Speaker 4: I'm super interested to get your thoughts because when I

475
00:21:36,440 --> 00:21:39,280
Speaker 4: think of successful women, Michelle, you are someone that is

476
00:21:39,280 --> 00:21:41,840
Speaker 4: like right at the top of my mind, and I

477
00:21:41,880 --> 00:21:44,960
Speaker 4: think that you've done so many incredible things, and when

478
00:21:45,080 --> 00:21:47,679
Speaker 4: we look at your career externally, it just looks like

479
00:21:47,720 --> 00:21:50,200
Speaker 4: you've been at the top of your game for so long,

480
00:21:51,600 --> 00:21:53,560
Speaker 4: But would you do something like that, would you take

481
00:21:53,600 --> 00:21:56,560
Speaker 4: a pay cut to move for opportunity, or would you

482
00:21:56,600 --> 00:21:57,800
Speaker 4: prioritize something different.

483
00:21:58,320 --> 00:22:01,480
Speaker 7: I mean, firstly, thank you, and I think, like this

484
00:22:01,520 --> 00:22:03,879
Speaker 7: isn't about me, but it might be a good anecdote

485
00:22:04,000 --> 00:22:06,040
Speaker 7: because just you saying, you know, it looks like I've

486
00:22:06,040 --> 00:22:08,760
Speaker 7: been at the top of my game. When I made

487
00:22:08,760 --> 00:22:13,120
Speaker 7: the decision to start my own business, I put myself

488
00:22:13,160 --> 00:22:15,639
Speaker 7: on a fifty five thousand dollars salary. You know, I

489
00:22:15,680 --> 00:22:19,119
Speaker 7: went from earning hundreds of thousands, and I'm so lucky

490
00:22:19,200 --> 00:22:21,479
Speaker 7: to have been able to pay myself from the start.

491
00:22:21,640 --> 00:22:26,240
Speaker 7: Many people cannot. But going from something quite big, really stable,

492
00:22:26,400 --> 00:22:30,280
Speaker 7: really comfortable, to something from the ground up did really

493
00:22:30,320 --> 00:22:32,840
Speaker 7: feel like a backward step. So I think when you

494
00:22:32,920 --> 00:22:35,200
Speaker 7: are you know it was it was short term pain,

495
00:22:35,359 --> 00:22:38,960
Speaker 7: long term gain type thing. But even now I'm not

496
00:22:39,080 --> 00:22:41,719
Speaker 7: on a huge salary, I think people would probably assume

497
00:22:41,760 --> 00:22:44,040
Speaker 7: it's bigger than it is. I pay myself today one

498
00:22:44,119 --> 00:22:46,639
Speaker 7: hundred and twenty five thousand, and that's why I have

499
00:22:46,720 --> 00:22:48,879
Speaker 7: these side hustles and I do other things, and I

500
00:22:48,880 --> 00:22:50,679
Speaker 7: think it's good to work for a founder that's like

501
00:22:50,760 --> 00:22:53,680
Speaker 7: hungry and trying to, you know, make a dollar as well.

502
00:22:54,200 --> 00:22:56,840
Speaker 7: I think when you're making these decisions, there's many things

503
00:22:56,880 --> 00:22:59,320
Speaker 7: to consider, but I do think you have to also

504
00:22:59,400 --> 00:23:02,760
Speaker 7: check your ego a little bit, check your pride going

505
00:23:02,840 --> 00:23:06,560
Speaker 7: backwards or what feels like a side step usually setting

506
00:23:06,600 --> 00:23:10,359
Speaker 7: yourself up for a much greater leap further down the track.

507
00:23:10,720 --> 00:23:12,800
Speaker 7: And I also think it comes down to what you

508
00:23:12,960 --> 00:23:15,560
Speaker 7: value and what your priorities are, Like, if you feel

509
00:23:15,600 --> 00:23:19,560
Speaker 7: like you've outgrown the role, maybe you value a challenge

510
00:23:19,600 --> 00:23:22,800
Speaker 7: and learning opportunities more than you do the money. And

511
00:23:22,840 --> 00:23:25,200
Speaker 7: I think this person's in a great position because they're

512
00:23:25,200 --> 00:23:27,399
Speaker 7: in a high paying role at the moment, and it

513
00:23:27,440 --> 00:23:29,919
Speaker 7: doesn't sound like they desperately need to get out the

514
00:23:29,960 --> 00:23:32,760
Speaker 7: door at this very second, so I think they could

515
00:23:32,920 --> 00:23:37,400
Speaker 7: start to save in preparation for maybe taking a smaller salary.

516
00:23:37,880 --> 00:23:41,120
Speaker 7: I think they also need to have the conversations internally

517
00:23:41,160 --> 00:23:44,840
Speaker 7: at their current workplace, like is there truly no more

518
00:23:44,840 --> 00:23:49,280
Speaker 7: opportunity for career growth or challenges or promotion and things

519
00:23:49,400 --> 00:23:52,000
Speaker 7: like that. And I also would be interested to know

520
00:23:52,119 --> 00:23:55,840
Speaker 7: how they're assessing that their current skills aren't going to

521
00:23:55,920 --> 00:23:58,960
Speaker 7: get them the same amount of money elsewhere, like, have

522
00:23:59,040 --> 00:24:00,760
Speaker 7: they definitely done the interviews?

523
00:24:00,800 --> 00:24:03,639
Speaker 2: Have they sold themselves? Because what someone.

524
00:24:03,400 --> 00:24:06,240
Speaker 7: Will choose to pay you or can pay you does

525
00:24:06,480 --> 00:24:08,880
Speaker 7: end up being based on more than just the skills

526
00:24:08,880 --> 00:24:12,320
Speaker 7: you have. You know, it's the potential that someone sees

527
00:24:12,359 --> 00:24:15,800
Speaker 7: in you, it's your results. So if you've really dug

528
00:24:15,840 --> 00:24:18,199
Speaker 7: into what you've been able to bring to the table

529
00:24:18,200 --> 00:24:20,879
Speaker 7: in your previous role. So I would also recommend to

530
00:24:20,920 --> 00:24:23,280
Speaker 7: this person, like, don't take yourself out of the game

531
00:24:23,320 --> 00:24:26,000
Speaker 7: before it's even started, Like there is an opportunity for

532
00:24:26,040 --> 00:24:30,560
Speaker 7: you to negotiate your way in and you might be surprised,

533
00:24:30,600 --> 00:24:34,160
Speaker 7: like you're on X salary already with your current skills,

534
00:24:34,200 --> 00:24:37,920
Speaker 7: So I would feel like you could use that as

535
00:24:37,920 --> 00:24:41,760
Speaker 7: some bargaining power as well. But I'm the kind of

536
00:24:41,760 --> 00:24:44,359
Speaker 7: person where if I'm not feeling challenged, if I'm not

537
00:24:44,440 --> 00:24:47,600
Speaker 7: feeling growth, I will leave and I will be okay

538
00:24:47,760 --> 00:24:50,520
Speaker 7: to go backwards or go sideways and take less money

539
00:24:50,840 --> 00:24:52,680
Speaker 7: if I feel like it's going to get myself further

540
00:24:53,240 --> 00:24:57,040
Speaker 7: in the future. But I also think like, as women,

541
00:24:57,960 --> 00:25:00,359
Speaker 7: we know that we can hold ourselves b back in

542
00:25:00,400 --> 00:25:02,439
Speaker 7: that regard as well. And you know, it's proven that

543
00:25:02,480 --> 00:25:04,400
Speaker 7: men will put themselves forward for jobs and not even

544
00:25:04,440 --> 00:25:07,840
Speaker 7: qualified for with the skills, So I don't like over

545
00:25:08,040 --> 00:25:13,080
Speaker 7: over analyze as well, like give yourself a shot. And also,

546
00:25:13,359 --> 00:25:15,920
Speaker 7: sorry I'm really going on here, but how they said

547
00:25:16,000 --> 00:25:18,880
Speaker 7: that they wanted to make sure you know they were

548
00:25:18,920 --> 00:25:22,359
Speaker 7: taking that smaller salary for further career opportunities, like make

549
00:25:22,400 --> 00:25:25,680
Speaker 7: sure you know exactly what those opportunities look like. And

550
00:25:25,960 --> 00:25:28,359
Speaker 7: is there a way you can negotiate a pay review

551
00:25:28,400 --> 00:25:31,560
Speaker 7: in six months because you back yourself to do a

552
00:25:31,680 --> 00:25:33,879
Speaker 7: B and C in six months and like get that

553
00:25:33,920 --> 00:25:34,800
Speaker 7: in writing.

554
00:25:34,800 --> 00:25:37,919
Speaker 4: Those awesome advice it sounds a lot like your ladder theory.

555
00:25:38,240 --> 00:25:39,399
Speaker 5: Yes, that's so true.

556
00:25:39,480 --> 00:25:42,119
Speaker 6: I always say it's better to start at the bottom

557
00:25:42,160 --> 00:25:44,000
Speaker 6: of a ladder that you want to climb, rather than

558
00:25:44,040 --> 00:25:46,159
Speaker 6: halfway up one you don't want to climb, You know

559
00:25:46,200 --> 00:25:46,600
Speaker 6: what I mean?

560
00:25:46,920 --> 00:25:48,800
Speaker 2: Oh absolutely, I love that.

561
00:25:49,119 --> 00:25:49,880
Speaker 5: Yeah, thank you.

562
00:25:50,240 --> 00:25:51,840
Speaker 4: That's like one of my favorite things you've said.

563
00:25:52,720 --> 00:25:52,960
Speaker 8: Show.

564
00:25:54,000 --> 00:25:57,000
Speaker 4: It really stuck in my brain. Oh my goodness, that's

565
00:25:57,040 --> 00:25:58,439
Speaker 4: actually huge here.

566
00:25:58,520 --> 00:25:59,320
Speaker 5: Thank you so much.

567
00:25:59,440 --> 00:26:01,719
Speaker 6: Well, there is risk of me butchering that entirely, but

568
00:26:01,760 --> 00:26:05,160
Speaker 6: basically I think also like once that kind of mindset

569
00:26:05,200 --> 00:26:07,439
Speaker 6: sets in and you're a little bit like disenchanted or

570
00:26:07,520 --> 00:26:09,760
Speaker 6: just like lacking motivation. It's very heart to like get

571
00:26:09,760 --> 00:26:12,720
Speaker 6: out of that. Regardless of you know, having chats with

572
00:26:12,800 --> 00:26:14,639
Speaker 6: your I mean, it can happen. You can have a

573
00:26:14,680 --> 00:26:17,040
Speaker 6: chat with your leader and find out that there's, you know,

574
00:26:17,359 --> 00:26:20,800
Speaker 6: a way to upskill or move to a different department

575
00:26:20,920 --> 00:26:23,040
Speaker 6: or whatever it is within your current company. But I

576
00:26:23,080 --> 00:26:26,040
Speaker 6: think once that feeling sets in, even if you decide

577
00:26:26,080 --> 00:26:28,119
Speaker 6: to stay there and just maybe try and change your

578
00:26:28,119 --> 00:26:30,359
Speaker 6: mindset or whatever, that honestly doesn't last long.

579
00:26:30,400 --> 00:26:31,680
Speaker 5: That feeling keeps coming back.

580
00:26:31,720 --> 00:26:33,800
Speaker 6: So I feel like if you do know exactly as

581
00:26:33,840 --> 00:26:36,680
Speaker 6: you're saying that there are opportunities somewhere else, and there's

582
00:26:36,720 --> 00:26:40,159
Speaker 6: potential for growth, potential for upskilling, potential for all these things.

583
00:26:40,720 --> 00:26:43,160
Speaker 6: Just you know, a bit of a pay cut might

584
00:26:43,200 --> 00:26:44,639
Speaker 6: be little one, might be a big one.

585
00:26:44,920 --> 00:26:46,520
Speaker 5: I probably personally would.

586
00:26:46,400 --> 00:26:49,800
Speaker 6: Go for that over because it's also yeah, it's also

587
00:26:49,920 --> 00:26:52,600
Speaker 6: just like your overall morale and motivation and things like

588
00:26:52,600 --> 00:26:54,080
Speaker 6: that you need to consider.

589
00:26:54,160 --> 00:26:55,719
Speaker 5: So yeah, I'd probably go for it.

590
00:26:55,720 --> 00:26:58,320
Speaker 2: Have either of you taken a pay cut for a job,

591
00:26:58,400 --> 00:26:59,800
Speaker 2: a new job opportunity, I.

592
00:26:59,800 --> 00:27:02,159
Speaker 4: Thinks I did early in my career. I've lived a

593
00:27:02,200 --> 00:27:05,439
Speaker 4: lot of career lives. Like I'm one of those people

594
00:27:05,440 --> 00:27:08,719
Speaker 4: who I think, like, did start in one space. I

595
00:27:08,720 --> 00:27:12,080
Speaker 4: didn't go to university. I just worked full time out

596
00:27:12,080 --> 00:27:13,879
Speaker 4: of high school. I was working retail. I was managing

597
00:27:13,880 --> 00:27:17,680
Speaker 4: a retail store, and I, you know, have lived many

598
00:27:17,720 --> 00:27:20,840
Speaker 4: a life and done many a job changing and jumping

599
00:27:20,840 --> 00:27:22,840
Speaker 4: and side stepping and up skilling to get to where

600
00:27:22,880 --> 00:27:26,760
Speaker 4: I am now. And I think that, yeah, I would agree.

601
00:27:26,840 --> 00:27:31,359
Speaker 4: When I first moved from retail to my first what

602
00:27:31,480 --> 00:27:34,160
Speaker 4: I call my big girl job, which was I worked

603
00:27:34,200 --> 00:27:36,920
Speaker 4: at a real estate agency as an EA, I took

604
00:27:37,000 --> 00:27:38,800
Speaker 4: a little bit of a pay cut, I'm pretty sure,

605
00:27:38,840 --> 00:27:41,040
Speaker 4: because I've never worked in my job. And it's interesting

606
00:27:41,080 --> 00:27:46,240
Speaker 4: because my experience in that negotiation and that conversation was

607
00:27:46,920 --> 00:27:49,119
Speaker 4: kind of mirroring what you were saying, Michelle in the

608
00:27:49,840 --> 00:27:52,480
Speaker 4: you know, I had a lot of the skills that transferred.

609
00:27:52,720 --> 00:27:55,040
Speaker 4: I had a lot of the things that I could do.

610
00:27:55,480 --> 00:27:59,080
Speaker 4: But I remember when I was having those conversations around salary,

611
00:27:59,080 --> 00:28:00,640
Speaker 4: and don't get me wrong, it was still a very

612
00:28:00,640 --> 00:28:02,760
Speaker 4: low salary because I was twenty one and I was

613
00:28:03,320 --> 00:28:06,119
Speaker 4: entering the you know, professional workforce for the first time.

614
00:28:06,440 --> 00:28:08,879
Speaker 4: But the conversation that was kind of brought to me

615
00:28:09,200 --> 00:28:14,119
Speaker 4: was that because I didn't have demonstrated experience in that field,

616
00:28:14,160 --> 00:28:17,080
Speaker 4: because it was a different field, they felt that I

617
00:28:17,119 --> 00:28:20,080
Speaker 4: should be coming in at the bottom of the salary band.

618
00:28:20,240 --> 00:28:21,879
Speaker 4: And at the time, I think I just kind of

619
00:28:21,880 --> 00:28:24,399
Speaker 4: went okay, yeah, like it's worth it to get to

620
00:28:24,440 --> 00:28:25,879
Speaker 4: where I want to go. Like if you take a

621
00:28:25,920 --> 00:28:27,120
Speaker 4: little bit of a pay cut, you take a little

622
00:28:27,119 --> 00:28:29,000
Speaker 4: bit of a pay cut, and it wasn't huge because

623
00:28:29,520 --> 00:28:32,639
Speaker 4: the money just generally was low. It was close to

624
00:28:32,640 --> 00:28:34,760
Speaker 4: minimum ways, you know, there wasn't that far to go down.

625
00:28:34,840 --> 00:28:37,840
Speaker 4: But I think, like for me, it felt worth it

626
00:28:37,920 --> 00:28:40,560
Speaker 4: to move into a new space. And so I can

627
00:28:40,600 --> 00:28:44,680
Speaker 4: see if our listener is maybe moving industries, or even

628
00:28:44,720 --> 00:28:47,400
Speaker 4: if they're staying within their industry but they're moving into

629
00:28:47,440 --> 00:28:51,280
Speaker 4: a different space. Like maybe you work in administration, but

630
00:28:51,320 --> 00:28:54,000
Speaker 4: you want to move into administrative management, or you know,

631
00:28:54,080 --> 00:28:55,960
Speaker 4: something like that, Like if you're moving into a slightly

632
00:28:56,000 --> 00:28:59,040
Speaker 4: different space, and it's worth it to learn the hard

633
00:28:59,120 --> 00:29:01,479
Speaker 4: skills that you need that you don't have. Maybe you've

634
00:29:01,480 --> 00:29:03,520
Speaker 4: got a lot of soft skills that do transfer, but

635
00:29:03,640 --> 00:29:06,560
Speaker 4: the hard ones aren't quite there. I can see how

636
00:29:06,560 --> 00:29:10,360
Speaker 4: someone doing the interview might say, oh, we feel like

637
00:29:10,440 --> 00:29:13,560
Speaker 4: we just can't give you that higher salary. I would say,

638
00:29:13,600 --> 00:29:16,520
Speaker 4: don't forget to negotiate other perks too. So if you

639
00:29:17,240 --> 00:29:20,040
Speaker 4: are taking a lower salary, can you work hybrid or

640
00:29:20,080 --> 00:29:23,880
Speaker 4: can you work remote? Can you negotiate perks? Can you

641
00:29:23,960 --> 00:29:27,560
Speaker 4: do you know, a thirteen day fortnight or something like that?

642
00:29:27,560 --> 00:29:29,640
Speaker 4: There are all of these other things, and we say

643
00:29:30,080 --> 00:29:32,160
Speaker 4: everything is kind of up for negotiation. And I know

644
00:29:32,200 --> 00:29:34,920
Speaker 4: when you're making that move, and especially when you are

645
00:29:35,160 --> 00:29:36,840
Speaker 4: in the position where you're being asked to take a

646
00:29:36,880 --> 00:29:39,760
Speaker 4: pay cut, I remember feeling like I was not in

647
00:29:39,800 --> 00:29:42,320
Speaker 4: the power seat at all because I was almost asking

648
00:29:42,360 --> 00:29:44,240
Speaker 4: them to do me a favor. It felt like I

649
00:29:44,320 --> 00:29:46,880
Speaker 4: was saying, please give me this opportunity, Like I know

650
00:29:46,960 --> 00:29:49,320
Speaker 4: that I don't necessarily have the proven track record, but

651
00:29:49,360 --> 00:29:51,720
Speaker 4: I'm a hard worker and I'm a go getter, and

652
00:29:51,720 --> 00:29:53,240
Speaker 4: I can do all of these great things for you.

653
00:29:53,720 --> 00:29:55,880
Speaker 4: And I think you do feel a little bit like

654
00:29:55,920 --> 00:29:58,400
Speaker 4: the powers with the employer because you're asking them to

655
00:29:58,440 --> 00:30:01,560
Speaker 4: take a risk on you. I think, like, don't forget

656
00:30:01,600 --> 00:30:05,520
Speaker 4: to lean on the value that you bring in your personality,

657
00:30:05,600 --> 00:30:09,480
Speaker 4: like being you can't teach somebody to have the personality

658
00:30:09,520 --> 00:30:11,800
Speaker 4: type that as you were saying, Michelle, and as you

659
00:30:11,800 --> 00:30:13,800
Speaker 4: were saying as well, to be the kind of person

660
00:30:13,800 --> 00:30:17,720
Speaker 4: that wants to improve is so valuable in an employee.

661
00:30:17,760 --> 00:30:20,800
Speaker 4: Like how many people just coast buy doing their job,

662
00:30:20,840 --> 00:30:24,800
Speaker 4: collecting their check, you know, clocking off, never thinking twice

663
00:30:24,800 --> 00:30:26,400
Speaker 4: about it. Which if that's what you want to do

664
00:30:26,520 --> 00:30:28,360
Speaker 4: that I'm not saying that that is a bad thing,

665
00:30:28,800 --> 00:30:30,520
Speaker 4: but I think if you are somebody who has a

666
00:30:30,560 --> 00:30:32,080
Speaker 4: company and you want to grow and you want to

667
00:30:32,440 --> 00:30:35,040
Speaker 4: do all of these great things, what you really need

668
00:30:35,160 --> 00:30:38,520
Speaker 4: is employees who buy in. And you can't teach that

669
00:30:38,600 --> 00:30:40,840
Speaker 4: to somebody. It needs to come with them, and it

670
00:30:40,960 --> 00:30:42,960
Speaker 4: is something that money can't buy.

671
00:30:43,680 --> 00:30:47,000
Speaker 7: I think that Hotel so true that yeah, yeah, it is,

672
00:30:47,120 --> 00:30:49,960
Speaker 7: like it's the attitude, and I think it's really it

673
00:30:50,000 --> 00:30:53,480
Speaker 7: actually is really easy to stand out as a high

674
00:30:53,480 --> 00:30:56,680
Speaker 7: achiever and someone who's really committed and someone who's really

675
00:30:56,760 --> 00:31:00,560
Speaker 7: driven in organizations and show that you're that person who's

676
00:31:00,600 --> 00:31:02,640
Speaker 7: willing to go the extra mile, like even at the

677
00:31:02,720 --> 00:31:05,160
Speaker 7: end of a day saying, hey, I'm about to pack up,

678
00:31:05,200 --> 00:31:07,240
Speaker 7: is there anything I can help you with before I go?

679
00:31:07,440 --> 00:31:09,320
Speaker 2: Like so many people.

680
00:31:09,320 --> 00:31:14,400
Speaker 7: Don't do that and just just doing that, Like, rarely

681
00:31:14,560 --> 00:31:16,000
Speaker 7: is someone going to be like they're walking out the

682
00:31:16,000 --> 00:31:18,080
Speaker 7: do I'm going to quickly give them something like that

683
00:31:18,120 --> 00:31:21,720
Speaker 7: will really happen. But just you doing that, I think

684
00:31:21,800 --> 00:31:25,240
Speaker 7: just shows that you actually give a shit and like

685
00:31:25,320 --> 00:31:27,280
Speaker 7: putting your hand up like that, it really goes a

686
00:31:27,320 --> 00:31:27,720
Speaker 7: long way.

687
00:31:27,960 --> 00:31:30,640
Speaker 4: Yeah, is there any tips that you have for someone

688
00:31:30,680 --> 00:31:33,160
Speaker 4: who is in that spot they're going to interview for

689
00:31:33,200 --> 00:31:34,960
Speaker 4: a job. Maybe they feel like they're side stepping a

690
00:31:34,960 --> 00:31:36,480
Speaker 4: little bit, maybe they feel like they're not in the

691
00:31:36,520 --> 00:31:38,400
Speaker 4: power seat. Is there one tip that you would give

692
00:31:38,400 --> 00:31:41,200
Speaker 4: them on something that they could share to showcase their value.

693
00:31:41,640 --> 00:31:44,280
Speaker 7: So I used to work in HR before I got

694
00:31:44,280 --> 00:31:48,960
Speaker 7: into startups, and I worked at investment banks and basically

695
00:31:49,000 --> 00:31:52,080
Speaker 7: the way all salaries were negotiated was based on three things.

696
00:31:52,120 --> 00:31:55,920
Speaker 7: It was role, experience, output, And I think if you

697
00:31:56,000 --> 00:31:59,400
Speaker 7: are constantly looking at those three things about yourself, you

698
00:31:59,440 --> 00:32:01,680
Speaker 7: will have the right sort of things to bring into

699
00:32:01,720 --> 00:32:04,600
Speaker 7: an interview and to bring into any kind of negotiation

700
00:32:04,800 --> 00:32:09,320
Speaker 7: about your salary. It also removes any like personal attachment

701
00:32:09,400 --> 00:32:12,800
Speaker 7: to the conversation because you're looking at the facts and

702
00:32:13,080 --> 00:32:15,120
Speaker 7: to your point about going into real estate, and you're

703
00:32:15,120 --> 00:32:18,480
Speaker 7: not having the experience. That's just one of those three things,

704
00:32:18,520 --> 00:32:20,800
Speaker 7: you know, like how are you going to deliver in

705
00:32:20,840 --> 00:32:24,520
Speaker 7: the role, Like what output do you have that like

706
00:32:24,760 --> 00:32:28,600
Speaker 7: might you know, inspire someone's confidence in you. But also

707
00:32:28,680 --> 00:32:32,040
Speaker 7: how you then renegotiate your salary a year later, really

708
00:32:32,040 --> 00:32:34,880
Speaker 7: focusing on like the role, how you fulfill it, the

709
00:32:34,960 --> 00:32:37,320
Speaker 7: experience that you do have to potentially try and bump

710
00:32:37,400 --> 00:32:40,560
Speaker 7: up a salary, and the output, which is really just

711
00:32:40,960 --> 00:32:45,680
Speaker 7: results and hard facts. So I guess that's like the

712
00:32:45,800 --> 00:32:49,360
Speaker 7: three things that I'm kind of always on the lookout for,

713
00:32:49,600 --> 00:32:51,440
Speaker 7: but I think they are also just the main things

714
00:32:51,440 --> 00:32:53,680
Speaker 7: you should be focusing on if you're ever discussing salary.

715
00:32:54,120 --> 00:32:54,280
Speaker 4: Oh.

716
00:32:54,400 --> 00:32:57,640
Speaker 7: Actually, one really good thing is when you are looking,

717
00:32:57,800 --> 00:32:58,880
Speaker 7: you're focusing on the role.

718
00:32:59,400 --> 00:33:01,240
Speaker 2: I used to always gather.

719
00:33:01,320 --> 00:33:04,120
Speaker 7: Market data, so if you're in Australia, like go on

720
00:33:04,160 --> 00:33:07,280
Speaker 7: the Hayes website and for free, you will be able

721
00:33:07,280 --> 00:33:10,720
Speaker 7: to see similar roles in your state and you'll be

722
00:33:10,720 --> 00:33:13,920
Speaker 7: able to see what the average salary is. And that's

723
00:33:13,960 --> 00:33:16,480
Speaker 7: a really good thing to have up your sleeve if

724
00:33:16,520 --> 00:33:19,080
Speaker 7: you're negotiating your salary, Like, hey, I've actually pulled the

725
00:33:19,080 --> 00:33:22,400
Speaker 7: market data and I can see that I'm being underpaid

726
00:33:22,520 --> 00:33:26,920
Speaker 7: and here's my output and here's my experience, and obviously,

727
00:33:26,960 --> 00:33:28,719
Speaker 7: like business is always going to be in different kind

728
00:33:28,760 --> 00:33:32,520
Speaker 7: of positions like are they downsizing? Have you just missed

729
00:33:32,560 --> 00:33:35,360
Speaker 7: a performance review cycle? Like you do need to consider

730
00:33:35,400 --> 00:33:38,320
Speaker 7: your timing. But I think that's a really good way

731
00:33:38,360 --> 00:33:40,840
Speaker 7: to approach and be prepared for those kinds of conversations.

732
00:33:41,040 --> 00:33:41,840
Speaker 5: It's a great idea.

733
00:33:42,040 --> 00:33:45,040
Speaker 4: Let's jump into my favorite bit of the week, the

734
00:33:45,360 --> 00:33:47,880
Speaker 4: JUICYDM that we've received. Are you guys ready to hear it?

735
00:33:48,200 --> 00:33:48,280
Speaker 3: So?

736
00:33:48,400 --> 00:33:52,200
Speaker 4: Ready? All right? They said, Hey, girls would love some advice.

737
00:33:52,280 --> 00:33:54,120
Speaker 4: The other night, I was at a family dinner and

738
00:33:54,160 --> 00:33:56,960
Speaker 4: my sister was talking about how having a child has

739
00:33:57,000 --> 00:33:59,800
Speaker 4: been really tough on their finances. She was saying she

740
00:33:59,840 --> 00:34:02,360
Speaker 4: can eat out anymore, can't go on holidays, can't afford

741
00:34:02,400 --> 00:34:04,400
Speaker 4: a babysitter for date night with her partner, and the

742
00:34:04,400 --> 00:34:07,040
Speaker 4: list just went on. My mom then pointed the conversation

743
00:34:07,160 --> 00:34:09,160
Speaker 4: towards me and my partner and asked us when we

744
00:34:09,160 --> 00:34:11,719
Speaker 4: were planning on having a baby. In response, I said,

745
00:34:11,880 --> 00:34:13,839
Speaker 4: I don't want to have kids. I just want lots

746
00:34:13,840 --> 00:34:15,759
Speaker 4: of money to live the lifestyle I want to live,

747
00:34:15,960 --> 00:34:19,480
Speaker 4: Slay Quinn. My sister was so offended by this comment,

748
00:34:19,520 --> 00:34:22,120
Speaker 4: saying it was offensive to her lifestyle and insensitive to

749
00:34:22,160 --> 00:34:24,360
Speaker 4: say this after she had spoken about how much she

750
00:34:24,440 --> 00:34:27,800
Speaker 4: was struggling financially. I really don't think I did anything wrong.

751
00:34:27,960 --> 00:34:29,880
Speaker 4: It should be okay for me to choose myself and

752
00:34:29,960 --> 00:34:32,680
Speaker 4: the lifestyle I desire over having kids. But my sister

753
00:34:32,719 --> 00:34:34,680
Speaker 4: made me feel like I am selfish for doing this

754
00:34:35,080 --> 00:34:39,160
Speaker 4: any thoughts, There's so many components to me.

755
00:34:39,239 --> 00:34:42,160
Speaker 6: Oh no, there are a lot of layers. I feel

756
00:34:42,160 --> 00:34:46,360
Speaker 6: like there's, like, you know, there's the maybe you know,

757
00:34:46,440 --> 00:34:49,960
Speaker 6: the argument of women having children, not having children whatever.

758
00:34:50,040 --> 00:34:51,839
Speaker 6: Like I feel like we're in a different time of

759
00:34:52,200 --> 00:34:54,239
Speaker 6: life now.

760
00:34:53,520 --> 00:34:54,480
Speaker 5: Four it's twenty twenty four.

761
00:34:54,520 --> 00:34:56,640
Speaker 6: You absolutely don't have to be having child if you

762
00:34:56,640 --> 00:34:58,360
Speaker 6: don't want, and you can if you want to, and

763
00:34:58,440 --> 00:35:02,719
Speaker 6: you whatever whatever whatever. Families look all different everywhere you

764
00:35:02,800 --> 00:35:05,520
Speaker 6: go all the time. So this is kind of like

765
00:35:05,520 --> 00:35:07,759
Speaker 6: a question. More so, I would say it's less of

766
00:35:07,800 --> 00:35:10,560
Speaker 6: a finance question and more of a like a reddit.

767
00:35:10,640 --> 00:35:11,400
Speaker 5: Am I the asshole?

768
00:35:11,440 --> 00:35:15,640
Speaker 6: And in this situation, no, but I would probably maybe

769
00:35:15,640 --> 00:35:21,160
Speaker 6: have been more tactful and possibly not talk about how

770
00:35:21,280 --> 00:35:26,719
Speaker 6: rich you want to be directly following your sister may

771
00:35:26,760 --> 00:35:29,200
Speaker 6: be airing some grievances about being really broke.

772
00:35:29,400 --> 00:35:29,840
Speaker 5: I don't know.

773
00:35:30,200 --> 00:35:32,640
Speaker 6: Yeah, it feels like, yeah, maybe it's too close together

774
00:35:32,680 --> 00:35:33,640
Speaker 6: those two conversations.

775
00:35:34,200 --> 00:35:35,200
Speaker 5: You're not bad for saying that.

776
00:35:35,280 --> 00:35:37,160
Speaker 4: I feel like I am about to, in fact be

777
00:35:37,239 --> 00:35:40,360
Speaker 4: the asshole, because I am at the stage in my

778
00:35:40,400 --> 00:35:43,400
Speaker 4: life where several of my friends now have children, which

779
00:35:43,560 --> 00:35:45,719
Speaker 4: I love and adore. I'm a big fan of kids,

780
00:35:45,800 --> 00:35:47,920
Speaker 4: and when I was younger, I always thought I wanted children,

781
00:35:47,960 --> 00:35:50,759
Speaker 4: And now I'm at a place where I have my

782
00:35:50,840 --> 00:35:53,440
Speaker 4: career and my lifestyle and I don't necessarily know that

783
00:35:53,440 --> 00:35:55,000
Speaker 4: that's something I want to have. And I don't think

784
00:35:55,040 --> 00:35:57,200
Speaker 4: that's a problem any which way, whether I do, whether

785
00:35:57,239 --> 00:35:59,000
Speaker 4: I don't, whether my friends do, with my friends don't.

786
00:35:59,120 --> 00:36:02,360
Speaker 4: Everybody is welcome to live life the way that they want.

787
00:36:02,800 --> 00:36:05,719
Speaker 4: Something that I have observed that is interesting, though, is

788
00:36:05,840 --> 00:36:09,359
Speaker 4: I feel like a lot of the time things are

789
00:36:09,480 --> 00:36:14,800
Speaker 4: catered to the people who have children, just socially. Whether

790
00:36:14,840 --> 00:36:16,759
Speaker 4: it's when you're choosing where to go, it's got to

791
00:36:16,800 --> 00:36:19,760
Speaker 4: be somewhere that's close to home, that is family friendly,

792
00:36:19,800 --> 00:36:21,239
Speaker 4: that is da da da da da, or if you're

793
00:36:21,280 --> 00:36:24,320
Speaker 4: going on holiday, like it needs to have certain things

794
00:36:24,360 --> 00:36:26,680
Speaker 4: for the people who have children, which is all fine

795
00:36:26,680 --> 00:36:29,680
Speaker 4: and well and good, but sometimes that means that there

796
00:36:29,719 --> 00:36:32,440
Speaker 4: is a different financial element too. We might need a

797
00:36:32,440 --> 00:36:34,400
Speaker 4: house with extra rooms because the kids have to have

798
00:36:34,440 --> 00:36:37,160
Speaker 4: their own rooms. Sure, you know, things like that. And

799
00:36:37,200 --> 00:36:40,920
Speaker 4: it's really interesting to me because I think you've chosen

800
00:36:40,960 --> 00:36:43,360
Speaker 4: to have children, and I have at this point don't

801
00:36:43,360 --> 00:36:45,560
Speaker 4: have children, and we're living our own lives and we're

802
00:36:45,560 --> 00:36:49,719
Speaker 4: doing whatever. But there are points where you know there

803
00:36:49,760 --> 00:36:52,319
Speaker 4: are benefits or there are things that are done in

804
00:36:52,440 --> 00:36:55,600
Speaker 4: favor from my perspective, for the people who do have kids,

805
00:36:55,680 --> 00:36:57,640
Speaker 4: And it's I mean, if it was an issue, I

806
00:36:57,640 --> 00:36:59,120
Speaker 4: would raise it and I would bring it up. But

807
00:36:59,160 --> 00:37:03,000
Speaker 4: it just is a very interesting observation because I think, yeah,

808
00:37:03,040 --> 00:37:04,719
Speaker 4: like the benefit of not having kids is you're not

809
00:37:04,760 --> 00:37:07,480
Speaker 4: paying for a whole extra expensive human being. But when

810
00:37:07,480 --> 00:37:10,320
Speaker 4: you chose to have children, you knew that that would

811
00:37:10,320 --> 00:37:13,800
Speaker 4: be the case. I think we spoke on an episode

812
00:37:13,880 --> 00:37:16,920
Speaker 4: recently about you know how expensive pets are, and not

813
00:37:16,960 --> 00:37:20,360
Speaker 4: to liken a child to a pet, but you're taking

814
00:37:20,360 --> 00:37:22,600
Speaker 4: on a financial responsibility. Like we know there's a lot

815
00:37:22,600 --> 00:37:25,399
Speaker 4: of data around how much money it takes to raise

816
00:37:25,400 --> 00:37:27,399
Speaker 4: a child, particularly in the first twelve months of their life,

817
00:37:27,400 --> 00:37:30,160
Speaker 4: it is just unbelievably expensive. And then you get to

818
00:37:30,160 --> 00:37:32,920
Speaker 4: school and you kind of know that, for at the

819
00:37:32,960 --> 00:37:36,239
Speaker 4: bare minimum, the next eighteen years, you have a significant

820
00:37:36,239 --> 00:37:40,160
Speaker 4: financial responsibility in that child. And if you've chosen to

821
00:37:40,160 --> 00:37:42,400
Speaker 4: take that on, I would assume that you understood that

822
00:37:42,400 --> 00:37:45,400
Speaker 4: that might mean, you know, depending on whether or not

823
00:37:45,520 --> 00:37:48,160
Speaker 4: a parent has gone back to work, depending on whether

824
00:37:48,280 --> 00:37:50,760
Speaker 4: or not you know you have a side hustle or whatever,

825
00:37:51,080 --> 00:37:52,759
Speaker 4: you might miss out on date night, or you might

826
00:37:52,760 --> 00:37:55,560
Speaker 4: not get to go on holiday because of that financial

827
00:37:55,560 --> 00:37:58,120
Speaker 4: burden that you have chosen to take on. You knew

828
00:37:58,120 --> 00:38:00,600
Speaker 4: that that was coming when you got pregnant, And so

829
00:38:00,719 --> 00:38:04,520
Speaker 4: I think it is a little bit shortsighted of her

830
00:38:04,600 --> 00:38:09,200
Speaker 4: sister to be really offended. I understand how stressful being

831
00:38:10,000 --> 00:38:11,960
Speaker 4: under financial pressure is, and I do not want to

832
00:38:11,960 --> 00:38:14,520
Speaker 4: minimize what the sister is feeling, because I know that

833
00:38:14,520 --> 00:38:17,480
Speaker 4: that is awful. But I do also think it is

834
00:38:17,560 --> 00:38:20,880
Speaker 4: a little bit hypocritical of her to be mad because

835
00:38:20,920 --> 00:38:23,879
Speaker 4: her sister chose to live a different lifestyle. Sure does

836
00:38:23,880 --> 00:38:27,560
Speaker 4: that make sense. I'm trying to be tactful. I suppose

837
00:38:27,600 --> 00:38:29,759
Speaker 4: I'm like I don't want to be a dick about it,

838
00:38:29,800 --> 00:38:31,799
Speaker 4: but I do think that she made a choice and

839
00:38:31,840 --> 00:38:34,880
Speaker 4: she's now living with the results of that choice. But

840
00:38:34,920 --> 00:38:36,080
Speaker 4: it is very complicated.

841
00:38:36,440 --> 00:38:39,680
Speaker 7: Yeah, I think the sister who's had the baby was

842
00:38:39,719 --> 00:38:43,840
Speaker 7: probably just looking more to feel validated and supported and

843
00:38:43,880 --> 00:38:47,120
Speaker 7: get a little bit of empathy in that situation. And

844
00:38:47,160 --> 00:38:49,680
Speaker 7: then that's so true when she didn't receive that, it

845
00:38:49,760 --> 00:38:53,520
Speaker 7: was probably more of a reaction to that, and it

846
00:38:53,640 --> 00:38:57,160
Speaker 7: was less about her judging her sister for, you know,

847
00:38:57,239 --> 00:38:59,520
Speaker 7: choosing to be child free. I don't think that's where

848
00:38:59,600 --> 00:39:03,160
Speaker 7: like being sensitivity comment came from. I think it's more

849
00:39:03,200 --> 00:39:06,120
Speaker 7: around that she didn't feel supported in that moment, and

850
00:39:06,160 --> 00:39:09,359
Speaker 7: she probably just needed to hear yeah, wow, like that

851
00:39:09,440 --> 00:39:12,080
Speaker 7: must be really hard. Maybe she was hoping someone would

852
00:39:12,080 --> 00:39:14,319
Speaker 7: put their hand up and say, hey, would love to

853
00:39:14,320 --> 00:39:16,719
Speaker 7: look after your baby one night a month, so you

854
00:39:16,800 --> 00:39:19,080
Speaker 7: can have that date night.

855
00:39:19,200 --> 00:39:20,440
Speaker 2: And I also think there's.

856
00:39:20,280 --> 00:39:24,120
Speaker 7: Probably a splash of envy in there that her sister,

857
00:39:24,200 --> 00:39:27,120
Speaker 7: who is choosing to be child free will be able

858
00:39:27,239 --> 00:39:30,879
Speaker 7: to pursue a life that has some elements that she

859
00:39:30,960 --> 00:39:34,000
Speaker 7: also feels like she wants but can't have at the moment.

860
00:39:34,040 --> 00:39:37,400
Speaker 7: And maybe she will have those things further down the path,

861
00:39:37,560 --> 00:39:39,640
Speaker 7: but for now it doesn't feel that way.

862
00:39:40,440 --> 00:39:42,920
Speaker 2: I think one of the things I think.

863
00:39:42,800 --> 00:39:45,000
Speaker 7: We really need to try not to do as a society,

864
00:39:45,040 --> 00:39:47,000
Speaker 7: and it's easier said than done, is to make it

865
00:39:47,080 --> 00:39:49,600
Speaker 7: like an US verse them conversation when it comes to

866
00:39:50,120 --> 00:39:53,560
Speaker 7: having children real or not having children. I think there

867
00:39:53,560 --> 00:39:56,480
Speaker 7: are already so many pressures on and it's always on women,

868
00:39:56,840 --> 00:39:59,799
Speaker 7: like no matter what way you go, and that's even

869
00:40:00,200 --> 00:40:03,320
Speaker 7: you've made the decision if you want to have children

870
00:40:03,400 --> 00:40:06,719
Speaker 7: or not have children, Like there's that whole cluster fuck

871
00:40:06,760 --> 00:40:10,680
Speaker 7: in the middle of like if, when, how? And I

872
00:40:10,719 --> 00:40:12,839
Speaker 7: think there's so many ways that society is set up

873
00:40:12,880 --> 00:40:15,239
Speaker 7: to like pit us against each other, And so I

874
00:40:15,280 --> 00:40:17,800
Speaker 7: think when we're having these conversations when it comes to children,

875
00:40:17,880 --> 00:40:22,120
Speaker 7: it's like, how can we just be more like supportive, understanding,

876
00:40:22,400 --> 00:40:26,200
Speaker 7: open minded, and a little bit more accepting of the

877
00:40:26,239 --> 00:40:29,840
Speaker 7: paths people have chosen. I also often think about the

878
00:40:29,880 --> 00:40:33,480
Speaker 7: fact that it's like people assume if you don't have children,

879
00:40:33,520 --> 00:40:36,200
Speaker 7: you're just automatically rich, and I wonder how that feels

880
00:40:36,239 --> 00:40:38,759
Speaker 7: when you are someone who's chosen to be child free,

881
00:40:38,800 --> 00:40:41,960
Speaker 7: but you also can't afford to travel, and you also

882
00:40:42,200 --> 00:40:43,960
Speaker 7: can't afford.

883
00:40:43,920 --> 00:40:44,640
Speaker 2: The date nights.

884
00:40:44,719 --> 00:40:48,080
Speaker 7: So there's just there's so much to unpack, like even

885
00:40:48,080 --> 00:40:50,040
Speaker 7: the mile asking when are you having kids?

886
00:40:50,320 --> 00:40:53,279
Speaker 4: Like, let's not ask it feels inappropriate.

887
00:40:53,680 --> 00:40:59,040
Speaker 7: Yeah, yeah, more like is a kid something you've thought about?

888
00:40:59,360 --> 00:40:59,560
Speaker 1: You know?

889
00:40:59,840 --> 00:41:03,239
Speaker 7: Is that's something yand But yeah, I think these are

890
00:41:03,280 --> 00:41:07,680
Speaker 7: just deeply personal things that are very very nuanced. But

891
00:41:07,760 --> 00:41:12,399
Speaker 7: I think if we can be like less like us,

892
00:41:12,520 --> 00:41:16,600
Speaker 7: verse them and more as a collective women understanding that

893
00:41:16,719 --> 00:41:22,800
Speaker 7: it's a super high pressure like societal expectation, like challenging

894
00:41:22,840 --> 00:41:24,880
Speaker 7: time no matter what way you go, we could probably

895
00:41:24,960 --> 00:41:27,000
Speaker 7: understand each other all a little bit better.

896
00:41:27,520 --> 00:41:28,560
Speaker 5: Yeah, so true.

897
00:41:28,680 --> 00:41:31,319
Speaker 4: I love that we did ask people a couple of

898
00:41:31,360 --> 00:41:34,360
Speaker 4: really quick questions. So firstly, we said, do you have children?

899
00:41:34,800 --> 00:41:37,520
Speaker 4: Thirty percent of people said yes, I do. Seventy percent

900
00:41:37,520 --> 00:41:38,719
Speaker 4: people have said no, way do not.

901
00:41:38,960 --> 00:41:39,400
Speaker 5: Interesting.

902
00:41:39,600 --> 00:41:41,600
Speaker 4: Then we said, if yes, have you had to give

903
00:41:41,680 --> 00:41:44,280
Speaker 4: up holidays, eating out, et cetera due to the increased

904
00:41:44,320 --> 00:41:47,480
Speaker 4: financial costs of having children? Fifty eight percent of people

905
00:41:47,520 --> 00:41:51,000
Speaker 4: said yes and forty two percent of people said no.

906
00:41:52,040 --> 00:41:55,360
Speaker 4: Then we said, have you decided not to have children

907
00:41:55,560 --> 00:41:59,240
Speaker 4: due to the costs associated with being a parent? Twenty

908
00:41:59,280 --> 00:42:02,479
Speaker 4: percent of people said yes, forty six percent of people

909
00:42:02,480 --> 00:42:05,000
Speaker 4: said no, and thirty four percent of people said I'm

910
00:42:05,040 --> 00:42:06,960
Speaker 4: considering it. So if you combined the yes and that

911
00:42:07,000 --> 00:42:09,960
Speaker 4: I'm considering it, it's fifty four percent of people are

912
00:42:11,239 --> 00:42:14,560
Speaker 4: changing or considering changing their decisions based on the financial

913
00:42:14,600 --> 00:42:18,600
Speaker 4: costs associated with parent wood. Lastly, we said if yes,

914
00:42:18,719 --> 00:42:21,320
Speaker 4: have you felt any judgment from friends and family around

915
00:42:21,320 --> 00:42:25,359
Speaker 4: this decision? And sixty five percent of people said unfortunately, yes,

916
00:42:25,400 --> 00:42:27,960
Speaker 4: I have been wow, which is crazy, which I guess

917
00:42:28,040 --> 00:42:29,640
Speaker 4: really goes back to what you were saying, Michelle, and

918
00:42:29,760 --> 00:42:31,600
Speaker 4: going back to my example, because I feel like I

919
00:42:31,600 --> 00:42:36,160
Speaker 4: didn't articulate it well. The observations that I've made were

920
00:42:36,200 --> 00:42:38,800
Speaker 4: just observations I guess about the way that it works.

921
00:42:38,840 --> 00:42:42,240
Speaker 4: But everybody is always so happy to accommodate for the parents,

922
00:42:42,280 --> 00:42:46,000
Speaker 4: and I think that that is the important factor, because

923
00:42:46,040 --> 00:42:47,560
Speaker 4: as you were talking, I was like, Oh, I feel

924
00:42:47,560 --> 00:42:50,760
Speaker 4: like I really sounded like a bit of a bitter jerk.

925
00:42:51,800 --> 00:42:53,839
Speaker 4: I don't know not what I intended for.

926
00:42:53,960 --> 00:42:54,919
Speaker 2: I don't think so at all.

927
00:42:55,000 --> 00:42:58,080
Speaker 7: I get it, like I think the default has always

928
00:42:58,120 --> 00:43:01,520
Speaker 7: been that this is what's expected. You know, you have kids,

929
00:43:01,600 --> 00:43:03,920
Speaker 7: you start a family, and the default probably is to

930
00:43:03,960 --> 00:43:08,040
Speaker 7: accommodate for the people, yeah that have kids, And like,

931
00:43:08,120 --> 00:43:10,680
Speaker 7: I delayed starting a family for so long, and I

932
00:43:10,760 --> 00:43:14,279
Speaker 7: remember because of my career, and I remember feeling like

933
00:43:14,360 --> 00:43:18,799
Speaker 7: this detachment from my friends that were doing that, like

934
00:43:18,840 --> 00:43:21,840
Speaker 7: the West starting families, and I was starting to feel isolated.

935
00:43:21,880 --> 00:43:24,680
Speaker 7: And I wish I'd thought like a little bit more

936
00:43:24,800 --> 00:43:26,480
Speaker 7: about that at the time, but I think I was

937
00:43:26,560 --> 00:43:30,239
Speaker 7: so in my head of like when, if how that

938
00:43:30,440 --> 00:43:33,600
Speaker 7: I don't think I was very understanding or considerate of them,

939
00:43:33,680 --> 00:43:36,960
Speaker 7: and they probably weren't that understanding or considerate of me either.

940
00:43:37,520 --> 00:43:39,440
Speaker 7: I also think it's so interesting to think about like

941
00:43:39,480 --> 00:43:41,520
Speaker 7: our generation. I'm not sure how old you guys are.

942
00:43:41,640 --> 00:43:44,680
Speaker 7: I'm thirty two, and I feel like there'll be so

943
00:43:44,800 --> 00:43:48,200
Speaker 7: many of us that are never grandparents because I think

944
00:43:48,239 --> 00:43:50,560
Speaker 7: our children will choose not to have children, you know,

945
00:43:50,600 --> 00:43:52,799
Speaker 7: And so I think it's really good for us to

946
00:43:53,360 --> 00:43:56,200
Speaker 7: be super accepting of people that choose not to have

947
00:43:56,560 --> 00:43:59,600
Speaker 7: children and understand that there is still so much like

948
00:44:00,080 --> 00:44:03,480
Speaker 7: earth value, Like many of them work with children, many

949
00:44:03,520 --> 00:44:06,200
Speaker 7: of them give to children, Like there's this weird thing

950
00:44:06,200 --> 00:44:09,319
Speaker 7: where it's like you must hate children. Yeah, but that

951
00:44:09,560 --> 00:44:11,080
Speaker 7: isn't it at all? And I think we all need

952
00:44:11,120 --> 00:44:14,359
Speaker 7: to get very comfortable with that because like for our

953
00:44:14,480 --> 00:44:18,360
Speaker 7: parents that expect to be grandparents, like they have some

954
00:44:18,520 --> 00:44:21,600
Speaker 7: ownership on that. I don't want to be, you know,

955
00:44:21,960 --> 00:44:24,040
Speaker 7: a fifty year old and putting pressure on my child

956
00:44:24,120 --> 00:44:25,839
Speaker 7: about when they're going to have a baby. I don't

957
00:44:25,840 --> 00:44:28,440
Speaker 7: feel like I'm entitled to ever be a grandparent. And

958
00:44:28,480 --> 00:44:30,680
Speaker 7: so I just think it's something we all need to

959
00:44:30,680 --> 00:44:33,839
Speaker 7: be like reading about, engaging in that content, supporting our

960
00:44:33,880 --> 00:44:36,840
Speaker 7: friends who are choosing not to, who are choosing to.

961
00:44:37,080 --> 00:44:41,040
Speaker 7: I think all paths are courageous and they require self

962
00:44:41,080 --> 00:44:42,520
Speaker 7: awareness and a lot of thought.

963
00:44:43,000 --> 00:44:46,680
Speaker 4: Yeah, that is such a perfect summary of it. And yeah,

964
00:44:46,719 --> 00:44:49,520
Speaker 4: like if everyone just was more accepting and considerate of everybody,

965
00:44:50,000 --> 00:44:51,520
Speaker 4: hopefully everyone would have a better time.

966
00:44:51,760 --> 00:44:53,520
Speaker 5: Totally in general, I love that.

967
00:44:53,600 --> 00:44:56,200
Speaker 4: What a great episode. Thank you Michelle so much for

968
00:44:56,320 --> 00:44:58,120
Speaker 4: joining us. If people want to keep up with you

969
00:44:58,200 --> 00:45:00,160
Speaker 4: and everything that you're doing, where can they find.

970
00:45:00,520 --> 00:45:03,960
Speaker 7: Oh, you can buy me on Instagram Michelle Battersby. You

971
00:45:04,000 --> 00:45:08,799
Speaker 7: can also find my business their sunroom dot. So that's

972
00:45:08,840 --> 00:45:11,560
Speaker 7: basically it.

973
00:45:11,080 --> 00:45:15,200
Speaker 6: Incredible avoid You're like, I don't want to see that's

974
00:45:15,320 --> 00:45:16,799
Speaker 6: very different over there.

975
00:45:17,560 --> 00:45:19,880
Speaker 4: If you are a creator looking to monetize what you're doing,

976
00:45:19,960 --> 00:45:23,360
Speaker 4: Sunroom is an awesome option. It's such an incredible supportive community,

977
00:45:23,400 --> 00:45:25,320
Speaker 4: as you were saying, of women and non binary people

978
00:45:25,360 --> 00:45:28,640
Speaker 4: who are just creating their own, safe, incredible spaces on

979
00:45:28,680 --> 00:45:31,000
Speaker 4: the Internet which we love to see. Thank you so

980
00:45:31,120 --> 00:45:34,040
Speaker 4: much for joining us, everybody, and Victoria will see you

981
00:45:34,040 --> 00:45:37,200
Speaker 4: Brandon early on Monday. From Money Darry, have a beautiful weekend.

982
00:45:37,320 --> 00:45:37,880
Speaker 5: Bye guys.

983
00:45:37,920 --> 00:45:48,719
Speaker 8: Bye. The advice shared on She's on the Money is

984
00:45:48,800 --> 00:45:52,400
Speaker 8: general in nature and does not consider your individual circumstances.

985
00:45:52,760 --> 00:45:56,200
Speaker 8: She's on the Money exists purely for educational purposes and

986
00:45:56,200 --> 00:45:58,640
Speaker 8: should not be relied upon to make an investment or

987
00:45:58,719 --> 00:46:02,280
Speaker 8: financial decision. If you do choose to buy a financial product,

988
00:46:02,400 --> 00:46:06,400
Speaker 8: read the PDS TMD and obtain appropriate financial advice tailored

989
00:46:06,400 --> 00:46:09,880
Speaker 8: towards your needs. Victoria, Divine and Sheese on the Money

990
00:46:09,920 --> 00:46:13,520
Speaker 8: are authorized representatives of Money. Sheper p t y lt

991
00:46:13,640 --> 00:46:16,319
Speaker 8: D a b N three two one six four nine

992
00:46:16,480 --> 00:46:20,000
Speaker 8: two seven seven zero eight AFS L four five one

993
00:46:20,200 --> 00:46:23,120
Speaker 8: two eight nine