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Speaker 1: Just before we get started, we'd like to acknowledge and

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Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's.

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Speaker 1: They're the traditional custodians of the lands, the waterways and

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Speaker 1: the skies all across Australia. We thank you for sharing

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Speaker 1: and for caring for the land on which we are

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Speaker 1: able to learn. We pay respects to elders past and present,

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Speaker 1: and we share our friendship and our kindness.

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Speaker 2: She's on the Money, She's on the Money.

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Speaker 3: Hello, and welcome to She's on the Money, the podcast

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Speaker 3: for millennials who want financial freedom. Welcome back to another

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Speaker 3: shot back Money Diary Monday, where we get to chat

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Speaker 3: to one of our Gorge community members, learn about them,

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Speaker 3: their life, their money, everything that could possibly go in between.

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Speaker 1: Victoria Jessica. Hello.

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Speaker 3: People really don't like it when we use names.

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Speaker 1: For some reason. We don't, so hello. It is the

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Speaker 1: people you already know.

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Speaker 3: I'm trying to think of something to say that isn't.

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Speaker 3: Today's diris is a good one and I am.

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Speaker 1: You know what? Once again, come to say that we'll

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Speaker 1: work on the scripts later.

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Speaker 4: It's being a future episode.

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Speaker 3: Let me read it to you. It says I'm a

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Speaker 3: twenty two year old who has come a long way

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Speaker 3: in regards to money in the past four years. I

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Speaker 3: went from being freshly eighteen and having to borrow money

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Speaker 3: from parents, friends, and anyone else who would give it

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Speaker 3: to me, to having just graduated, owning my own home

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Speaker 3: with my partner, a six figure hospitality business, a freelancing

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Speaker 3: copywriting business, and no debt.

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Speaker 4: Sorry what I know.

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Speaker 3: I'm so proud of how far I've come from having

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Speaker 3: only two hundred fifty dollars a week from Centrelink to

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Speaker 3: now making over one hundred k per year fresh out

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Speaker 3: of UNI.

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Speaker 1: Who are you money Diarist? You're already here to join us, Welcome.

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Speaker 4: To the show.

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Speaker 5: Thank you so much for having me.

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Speaker 1: I'm excited about your story. I feel like you have

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Speaker 1: had an ultimate glow up like what You're so impressive

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Speaker 1: and I want to learn more. So let's start from

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Speaker 1: the very beginning. Money dois Can you tell us a

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Speaker 1: little bit about your money story?

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Speaker 5: Yes, so, growing up, my parents broke up when I

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Speaker 5: was very young and they were both single parents for

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Speaker 5: the first couple of years. So when I was living

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Speaker 5: with my mom, it was always single working mom doing

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Speaker 5: her best, and then my dad did remarry and then

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Speaker 5: he was supporting a family of five on his income.

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Speaker 5: So it's safe to say that both sort of sides

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Speaker 5: of my money story were not very rich. We didn't

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Speaker 5: have a heat. I remember being like six years old

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Speaker 5: and dad and my stepmom counting out five cent pieces

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Speaker 5: to go buy milk, and they were super open with

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Speaker 5: us about that, like they would say, we're broke, which

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Speaker 5: looking back on now, I think is a pretty poor

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Speaker 5: attitude to sort of be putting out there, but you know,

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Speaker 5: they were keeping it real. We learned the value of

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Speaker 5: money from a young age, but we weren't really taught

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Speaker 5: how to save it, I guess, and how to handle

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Speaker 5: money that we had because we never really had any money.

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Speaker 5: So yeah, I mean, my mum's a super hard work

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Speaker 5: I've always seen mom work really hard and dad is too.

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Speaker 5: I guess. It was just circumstances that they weren't really

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Speaker 5: able to get themselves out of. And so that's really

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Speaker 5: raised me to look at I mean, especially now, I

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Speaker 5: just see money as a tool, like it's not about

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Speaker 5: how much you have, it's about what you're able to

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Speaker 5: do with it. And that's always sort of been my

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Speaker 5: goal is to just be able to do the things

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Speaker 5: I want to do and feel safe doing those things.

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Speaker 1: Oh my gosh, I have so many questions about your

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Speaker 1: money mindset because I agree with that broke mentality that

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Speaker 1: you mentioned before, because I really don't like the concept

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Speaker 1: of broke right Like, I get it if you're literally

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Speaker 1: you don't have a roof over your head, you're not

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Speaker 1: able to put food on the table, and you are

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Speaker 1: genuinely broke. But I feel like so many people will

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Speaker 1: say things like, oh, I'm so broke this week.

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Speaker 4: And it's like, well, you're not.

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Speaker 1: Your money's allocated towards other things, or you've spent it

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Speaker 1: on things that you value, or you haven't managed it properly,

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Speaker 1: but that doesn't make you broke. I feel like that

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Speaker 1: mentality can be quite limiting and it's not really a

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Speaker 1: growth mindset in a way, Like and we want to

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Speaker 1: have these growth mindsets where we're like, oh, we just

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Speaker 1: don't have the money for that right now. But like

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Speaker 1: the term broke makes it sound like it's a I

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Speaker 1: don't know something that's placed upon you instead of a

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Speaker 1: situation you can get out of yourself. So moving on,

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Speaker 1: we already know you're a bit impressive money diarist, because

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Speaker 1: we got your email and just spread it out. But

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Speaker 1: can you tell us what you do for work and

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Speaker 1: how much money you in?

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Speaker 5: Yes, so work situation is a lot. So I work

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Speaker 5: in marketing. I'm a marketing executive for a charity, which

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Speaker 5: is a fairly new role. Yeah, it's very excite. I

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Speaker 5: love it. I'm really happy there, and it's honestly, I

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Speaker 5: had a bit of a nightmare trying to get my

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Speaker 5: dream graduate position out of Uni. But you know, if

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Speaker 5: it's meant to be, it'll be. And this job, like, oh,

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Speaker 5: it's just my dream. So I work their part time,

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Speaker 5: which will hopefully turn into full time later in the year.

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Speaker 5: And then I also it was almost exactly a year

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Speaker 5: ago actually I opened a cafe.

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Speaker 4: Oh my god, you're a child. You can't have a cafe.

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Speaker 5: Yeah, So I did that while I was studying full

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Speaker 5: time as well and working and working another job to

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Speaker 5: pay my bills. So I opened that and now I

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Speaker 5: just work there from a sort of managerial perspective, like

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Speaker 5: I'm not making coffees anymore. And then on top of that,

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Speaker 5: I'm also freelancing. So my partner and I have started

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Speaker 5: a copywriting business social media copywriting, and I have about

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Speaker 5: ten clients through that, which, yeah, it's pretty great. So

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Speaker 5: all up. I added it up the other day. It

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Speaker 5: was just over one hundred and ten thousand annually. And

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Speaker 5: then I do some babysitting, some nunning on the side

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Speaker 5: when I have time as well, So yeah.

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Speaker 1: When do you have time for that? I was just

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Speaker 1: trying to have time, like, okay, you don't though.

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Speaker 5: It's definitely a case of me doing freelancing work on

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Speaker 5: my laptop while I'm looking after the kids. Kids.

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Speaker 1: Yeah, okay, that makes a little bit more sense because

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Speaker 1: I'm like this woman, there's no way, there's no way

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Speaker 1: she has free time. Money diarist, I want to know

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Speaker 1: what is currently your big money goal? What are you

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Speaker 1: working towards with this one hundred and ten thousand dollar income.

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Speaker 5: So my big goals at say, I want to fill

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Speaker 5: all my savings accounts I use up and I have

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Speaker 5: like twelve.

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Speaker 4: Savers in there, Oh my gosh, so good, and.

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Speaker 5: So I want to meet the savings goals for all

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Speaker 5: of those, which excluding the car account, will come to

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Speaker 5: just over twenty thousand dollars. So I'm getting there. I'm

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Speaker 5: working towards it. But then longer term, my partner and

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Speaker 5: I want to invest in some more property. So we

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Speaker 5: currently own our home and we're hoping to move from

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Speaker 5: here and then turn this into an investment property.

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Speaker 3: How just how I can't even get one house, you're

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Speaker 3: going for number two.

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Speaker 1: And she's wady too and owns her own business and

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Speaker 1: has this marketing executive job, Like what are you a wizard? Harry?

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Speaker 5: But I just want to say, before we invest in

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Speaker 5: more property, our shared goal is to get a pool.

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Speaker 5: We live in Queensland and it is very hot, so

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Speaker 5: love that.

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Speaker 4: That's sort of lifestyle.

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Speaker 5: That's sort of the goal. Yeah, at the moment.

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Speaker 1: Oh my gosh, let us know when it's done, because

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Speaker 1: Jess and I will be up there. We'll come, we'll

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Speaker 1: come visit. It won't be because you have cool house

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Speaker 1: or anything, and it will definitely be to see you.

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Speaker 1: All right, money, dires, Can you tell us about the

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Speaker 1: investments you might already have? Yes, so I've you're going

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Speaker 1: to be unimpressed or maybe not, why because you've got

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Speaker 1: a business and a house. Well yes, so I mean

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Speaker 1: on a more broad description of investment, I've obviously invested

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Speaker 1: a lot of money into the business, which is definitely

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Speaker 1: paying off. But apart from that, I've got eight grand

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Speaker 1: in crypto.

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Speaker 5: Most of that was purchased for me by my father

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Speaker 5: and gifted to me.

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Speaker 4: Interesting choice dead.

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Speaker 5: Yes, yep, that's how he's got himself out of his pickle,

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Speaker 5: is investing in crypto. He's super passionate about it and

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Speaker 5: gifted all of his children thousands of dollars worth. And

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Speaker 5: my uncle's on the same train, so he's also given

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Speaker 5: me some cryptocurrency. And then I've got two thousand dollars

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Speaker 5: in an ETF through Vanguard, I think, one thousand dollars

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Speaker 5: in Spaceship and a couple of hundred in rays as well.

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Speaker 4: Check you out.

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Speaker 5: Yeah, so I would like to do more investing, but

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Speaker 5: it's just not my priority right now. I also pay

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Speaker 5: extra into my super.

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Speaker 4: Of course she does, just of course she does.

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Speaker 5: Just because there was a couple of years there where

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Speaker 5: I wasn't working a PAYG job for a little while,

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Speaker 5: so I wasn't paying it. So now I'm just prioritizing

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Speaker 5: getting that up to where i'd like it to be.

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Speaker 4: Oh my god, I'm obsessed with you. You're like literally

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Speaker 4: a wizard.

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Speaker 1: I'm convinced, like there's no way, you're actually twenty two.

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Speaker 1: Do people sometimes say to you that you're an old soul?

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Speaker 5: Yeah, I have heard that.

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Speaker 1: I feel like I'm getting that vibe from you. No

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Speaker 1: one can see that, but I'm just getting that vibe.

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Speaker 1: I want to know it. Next, you said you have

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Speaker 1: a house, Can you talk to us about what debts

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Speaker 1: you have?

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Speaker 5: Yes, So obviously I do have the mortgage that's three

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Speaker 5: hundred thousand dollars ish I believe. And also I have

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Speaker 5: obviously my hex debt, which is twenty grand the last

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Speaker 5: time I checked. So when I said on my email

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Speaker 5: that I had no debt, I was lying.

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Speaker 1: But I know you work those Those both are okay debts.

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Speaker 1: They're not bad consumer debt.

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Speaker 5: Well, on the subject of consumer debt, today is Tuesday,

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Speaker 5: which means my shop's credit card probably has six or

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Speaker 5: seven hundred dollars on it because we do all the

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Speaker 5: ordering at the start of the week and then I

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Speaker 5: pay off the balance at the end of the week.

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Speaker 4: So that's a cash flow tool.

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Speaker 1: When you said to the shop, I was like, it

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Speaker 1: makes sense when you have a business. And this is

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Speaker 1: something I literally said to you the other day, jes

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Speaker 1: So I was like, I think it's time that I

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Speaker 1: get a business credit card because as a business, you

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Speaker 1: incur so many expenses and it kind of makes sense

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Speaker 1: to one give yourself the financial security of having a

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Speaker 1: credit card because you can cancel it and it's not

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Speaker 1: directly linked to your bank account. But then two, you

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Speaker 1: get some points.

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Speaker 4: Are you doing?

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Speaker 1: Are you getting some pretty good points with the amount

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Speaker 1: of money that you spend.

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Speaker 5: Oh my goodness, I have enough points to go on

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Speaker 5: around the world trip.

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Speaker 3: What wow?

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Speaker 5: Yeah, yeah, it's amazing. We have so much money going

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Speaker 5: through the business, and the card has all sorts of

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Speaker 5: like bonuses and stuff you can do. So I'm just

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Speaker 5: trying to use that as a tool, and I pay

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Speaker 5: it off at the end of every week, so I'm

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Speaker 5: really trying to be very responsible. And also my accountant

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Speaker 5: will get very angry at me if I use it

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Speaker 5: for personal expenses as well, because it always I get

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Speaker 5: stuff it up for him. So yeah, I.

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Speaker 1: Mess up the bookkeeping. Our bookkeeper, Nicole. If you're listening fast.

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Speaker 3: She's clenching her face.

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Speaker 1: If you're listening Nicole, like she's chasing us for all

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Speaker 1: of our reconciliations for our bass.

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Speaker 4: And I'm busy. I'm sorry, I love you still, please

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Speaker 4: keep my books clean.

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Speaker 1: So next question, I feel like it's a good question

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Speaker 1: for someone who does a lot of online shopping and

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Speaker 1: does a lot of things for their business.

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Speaker 4: He's shot back.

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Speaker 5: Yes I do. I'm a big fan of shot back.

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Speaker 5: I just have it on my browser. I didn't know

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Speaker 5: there was an app, but yeah, I use it on

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Speaker 5: my browser. I see if it'll work for what I'm buying.

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Speaker 5: I do a lot of personal online shopping too, but

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Speaker 5: there are a heap of things I order for the business,

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Speaker 5: like you know, new coffee, drugs and signs and stuff.

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Speaker 5: So always make sure that you shot back. And if

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Speaker 5: there's a website that sells something similar, I'll always swap

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Speaker 5: over to the one that uses shot back, just because

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Speaker 5: it's like free money.

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Speaker 4: I want cash back exactly.

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Speaker 5: Although last night I did make her Princess Polly order

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Speaker 5: while I was sitting on the couch watching TV, and

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Speaker 5: I did it on my phone on the app.

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Speaker 4: And I just didn't get your cash back.

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Speaker 5: It was like five hundred dollars as well.

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Speaker 1: I kind of want to be there. You're going to

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Speaker 1: do a hall on your Insta or something, I'll be

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Speaker 1: there for that. Oh I feel like I love perving

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Speaker 1: on other people's shopping online. I'm like, what you get

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Speaker 1: show me girl?

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Speaker 5: Yes, I know. So that was really disappointing and I

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Speaker 5: realized as soon as I checked out, I was like.

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Speaker 1: No, ohally, but that is okay. Next question is what

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Speaker 1: is your best money habit? I feel like, having learned

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Speaker 1: a little bit about you in the last few minutes,

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Speaker 1: I feel like she's got a few Jess.

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Speaker 5: Well, look, I actually struggle to think about this one

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Speaker 5: because I don't know if it's like imposter syndrome or

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Speaker 5: if it's true. But I feel like I don't necessarily

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Speaker 5: have good habits. I'm just a really really hard worker.

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Speaker 5: So like, if I want something, I will find a

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Speaker 5: way to make that money so I can have what

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Speaker 5: I want, as opposed to like me being a really

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Speaker 5: good saver or something like I just I will find

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Speaker 5: the work. I will find the time to babysit or

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Speaker 5: find another client, or I'll go and clean someone's house,

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Speaker 5: like I can always find a way to get the

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Speaker 5: money that I want.

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Speaker 3: Being a hard worker is a good habit. Like that

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Speaker 3: is You've literally just described a good habit, and it's

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Speaker 3: a very good one to have. Being willing to do

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Speaker 3: what you've got to do to like get what you want,

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Speaker 3: in saying, oh, I want it, but I don't have

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Speaker 3: it that same after pay or go and.

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Speaker 1: Get a credit card, or I'll borrow money for it,

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Speaker 1: like that mentality of like, no, if I want something,

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Speaker 1: I'm going to go work really hard to make it happen.

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Speaker 1: That's the best money. That's it, That is the best Okay,

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Speaker 1: Stent corrected in saying that if you can't think of

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Speaker 1: a good money habit, can you think of your worst

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Speaker 1: money habit?

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Speaker 5: Oh, a list as long as my arm Ah. Definitely,

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Speaker 5: I'm a bit chaotic.

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Speaker 1: Same girl.

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Speaker 5: I've never been able to stick to a budget, Like

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Speaker 5: I've tried so many budgeting tools. I don't seem to

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Speaker 5: have the discipline to be able to stick to it.

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Speaker 5: Like I'm always transferring out of my savings account, even

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Speaker 5: if I have enough money in my spending account for

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Speaker 5: my usual expenses, I'll just transfer out and make an

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Speaker 5: online order or go out for dinner or shout my friends,

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Speaker 5: which is another bad habit, which I think is a

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Speaker 5: good habit in terms of me being a nice person.

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Speaker 5: But I'm very, very generous, always spending on other people,

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Speaker 5: always offering to pay for dinner, buying gifts to people,

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Speaker 5: Like I think my love language is giving.

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Speaker 4: Oh my gosh, I'm just.

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Speaker 3: Going to say his gifts your love language. UND like it.

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Speaker 5: Yeah, And I'm just like I can't stop myself.

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Speaker 1: I'm resonated with that. I don't all the time. I

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Speaker 1: think everyone in my team would be like, ah, yeah,

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Speaker 1: that's Victoria. But I don't want to change that. Like,

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Speaker 1: I love that about me and I love being in

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Speaker 1: the position where I can do that for my team,

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Speaker 1: and like, it's one thousand percent my love language. Like

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Speaker 1: I get so excited if I think of a present

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Speaker 1: that I'm like, oh my god, Jess is gonna love this.

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Speaker 1: And then I get ridiculously excited and I'm like, oh

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Speaker 1: my old it's not even a birthday. Maybe I'll just

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Speaker 1: give it to her and then just just like what

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Speaker 1: is this for?

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Speaker 4: I just got really excited.

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Speaker 5: That's me, that's me.

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Speaker 1: So fun. But if you've got a good budget and

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Speaker 1: cash flow system that's built into it, and I've worked

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Speaker 1: out over the last few years how much on average

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Speaker 1: I spend on that, and I make sure it's part

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Speaker 1: of my budget, and I think one thing you said

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Speaker 1: during that, and I'm going to talk to you after

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Speaker 1: this episode about the budgeting cash Flow masterclass that I do.

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Speaker 1: It's not necessarily about creating a budget that.

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Speaker 4: You have to quote stick to.

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Speaker 1: It's actually about tracking every dollar that goes into your

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Speaker 1: account and every dollar.

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Speaker 4: That goes out.

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Speaker 1: So it's not saying, oh, my gosh, money diarist, this month,

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Speaker 1: you have an extra one hundred dollars to spend on

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Speaker 1: your friends and your family. It's actually about going, how

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Speaker 1: much do you spend?

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Speaker 4: Do you actually know?

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Speaker 1: Because more often than not, when your love language is

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Speaker 1: gift giving, you don't really know because it's so variable.

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Speaker 1: So it's nice to have in the back of your

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Speaker 1: head that you're like, all right, well, on average, I

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Speaker 1: spend about one hundred dollars a month on that, or

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Speaker 1: two hundred dollars a month on that, or whatever it

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Speaker 1: might be. So it's not necessarily about budgeting in the

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Speaker 1: traditional sense where people feel really restricted, but rather just

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Speaker 1: being super aware of everything going in and out of

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Speaker 1: your bank accounts so that you can make decisions that

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Speaker 1: are in line with your values, so that you can go, oh, like,

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Speaker 1: maybe I shouldn't do that, and I would go maybe

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Speaker 1: you should you love that, but like that gym membership,

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Speaker 1: you're not using it? Should we get rid of it?

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Speaker 1: Because you're so aware of everything else that's going out.

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Speaker 1: So I think that it's really important to see the

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Speaker 1: difference between a cash flow plan and what traditionally was

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Speaker 1: a budget, because traditionally people would be like, oh, my

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Speaker 1: grocery budget's fifty dollars this week, and you're like, okay,

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Speaker 1: but like, what is it actually going to be? Because

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Speaker 1: that's different than what you're trying to restrict yourself to me.

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Speaker 5: Yes, yes to all of that, absolutely.

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Speaker 1: But yeah no, I would like to be better friends

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Speaker 1: with you. So next question, before we get to have

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Speaker 1: a deep dive into a few more pervy questions, is money, Darrist,

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Speaker 1: what grade would you give yourself if we forced you

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Speaker 1: to give your money?

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Speaker 4: Habits a grade.

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Speaker 5: I think I would give myself. I want to say

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Speaker 5: it'd be minus, but I'm being realistic and I think

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Speaker 5: it's probably a bee. I feel like there's so much

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Speaker 5: I want to work on in terms of like I

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Speaker 5: have the world at my feet, I have a good income,

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Speaker 5: I have the opportunity to make so much more money.

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Speaker 5: I you know, have a stable place to live, my

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Speaker 5: income is stable. I have so many tools to do

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Speaker 5: amazing things with my money for my future, but I'm

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Speaker 5: just not doing them. So I would say I have

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Speaker 5: a fair bit of a way to go, but I

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Speaker 5: think I'm definitely on the right track.

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Speaker 1: Oh my gosh, I want to break down all of

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Speaker 1: that straight after this quick break.

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Speaker 4: Or at money dirist. We are back.

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Speaker 1: And one of the first things we learned about you

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Speaker 1: from when we asked you the question tell us a

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Speaker 1: little bit about your money story was that your family's

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Speaker 1: money I guess mentality and their money mindset seems to

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Speaker 1: be very different to the money mindset you have today.

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Speaker 1: How did you get there? How did you change that? Like,

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Speaker 1: how do we change that?

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Speaker 5: I met my partner, So sorry, everybody, you can't have He's.

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Speaker 1: Mine, all right, Well, Chris podcast over we had done.

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Speaker 5: I met him at UNI when I was nineteen, and

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Speaker 5: he was just so responsible, like he had his savings account,

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Speaker 5: he had his emergency fund investments.

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Speaker 1: Like what and he's he nineteen as well.

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Speaker 5: He was twenty one, so he was just a little

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Speaker 5: bit older. But I met him and I realized, like,

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Speaker 5: oh wow, you know people my age can do that.

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Speaker 5: I didn't realize people my age could do that. And

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Speaker 5: so you know, he got me to read The Barefoot Investor, which.

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Speaker 1: Such a good start, such a good start.

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Speaker 5: I didn't finish it, but I read the bit about

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Speaker 5: the buckets, and that gave me. I don't know, it

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00:18:10,000 --> 00:18:12,560
Speaker 5: just started the shift. And I can't say I stuck

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Speaker 5: to it, but it definitely got me thinking more about

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Speaker 5: money and it started me saving towards having an emergency fund,

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Speaker 5: which I think is like the first big step. Yeah.

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Speaker 4: To me, that's the key.

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Speaker 1: That's like the biggest step anybody can make, regardless of

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Speaker 1: their financial situation, is to have an emergency fund off

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Speaker 1: to the side, so that if any expense pops up,

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Speaker 1: you can pay for it, or if any situation you

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Speaker 1: find yourself in is not a situation you want to be,

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Speaker 1: and you can actually pay to get out of it.

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Speaker 1: And I feel like that's a freedom that not everybody has.

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Speaker 1: There was a stat that came out recently that said

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Speaker 1: sixty percent of Australians don't have cash on hand if

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Speaker 1: an unexpected five hundred dollar bill came up, and I

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Speaker 1: was just like, oh, like, I don't mean to be entitled.

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Speaker 1: I mean the very very privileged position of that, would

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Speaker 1: you know it'd be a bump in the road for

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Speaker 1: me financially, But the fact that more than sixty percent

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Speaker 1: of Australians don't have access to that type of cash,

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Speaker 1: I was like, oh my gosh, like.

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Speaker 4: That she's on the money community.

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Speaker 1: Like I feel like so many people talk about emergency

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Speaker 1: funds now and having access to cash and now it's

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Speaker 1: just I didn't feel like that was representative of our community.

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Speaker 1: But I mean, we're a money community, so that kind

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Speaker 1: of makes sense, but it just feels so limiting. And

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Speaker 1: I just want more people to have more access to

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Speaker 1: this level of financial freedom because I think that too

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Speaker 1: many times we talk about financial freedom in this superficial

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Speaker 1: kind of aspirational way that's like, oh, it's when you

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Speaker 1: reach a point in life where you can afford anything

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Speaker 1: without going to work, and you.

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Speaker 4: Go, yep, that's absolutely it.

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Speaker 1: But like, what about short term financial freedom and the

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Speaker 1: financial freedom to make the decision that is in line

440
00:19:48,840 --> 00:19:50,800
Speaker 1: with my values and my goals in the life. I'm

441
00:19:50,800 --> 00:19:54,119
Speaker 1: trying to lead like that, your emergency fund is your

442
00:19:54,160 --> 00:19:56,280
Speaker 1: first ticket to financial freedom. You hit the nail on

443
00:19:56,320 --> 00:19:57,280
Speaker 1: the head money, Darrest.

444
00:19:57,480 --> 00:20:01,280
Speaker 3: I want to know about your cafe, because yes, why

445
00:20:01,280 --> 00:20:03,600
Speaker 3: didn't I ask this? I got the good one. You

446
00:20:03,640 --> 00:20:06,840
Speaker 3: were studying, obviously, and then you got your dream job.

447
00:20:07,040 --> 00:20:09,879
Speaker 3: But I think for a lot of people, when you're

448
00:20:09,920 --> 00:20:13,919
Speaker 3: studying marketing, opening a cafe doesn't necessarily seem like a

449
00:20:13,960 --> 00:20:16,280
Speaker 3: linear jump. So I want to know what made you

450
00:20:16,359 --> 00:20:18,720
Speaker 3: choose to do it, and I guess.

451
00:20:18,840 --> 00:20:19,360
Speaker 4: We do it?

452
00:20:19,440 --> 00:20:21,840
Speaker 1: Yeah and a Yeah, we could open a cafe. It

453
00:20:21,880 --> 00:20:24,280
Speaker 1: could be peach and we only serve oak laugh taste.

454
00:20:24,400 --> 00:20:26,639
Speaker 5: That's that's me. That's what we do. That's exactly it.

455
00:20:26,760 --> 00:20:28,760
Speaker 4: Oh my gosh, do you actually oat milk.

456
00:20:28,600 --> 00:20:30,280
Speaker 5: Is our best selling alternative milk?

457
00:20:30,600 --> 00:20:31,640
Speaker 4: Oh my gosh, yes.

458
00:20:32,040 --> 00:20:33,800
Speaker 5: Yeah. So it was a bit of a situation. I

459
00:20:33,880 --> 00:20:38,920
Speaker 5: was working in hospitality at the time and we had

460
00:20:39,119 --> 00:20:42,159
Speaker 5: moved to where we live currently, and I was driving

461
00:20:42,280 --> 00:20:46,000
Speaker 5: forty minutes to do six am opens in hospitality at

462
00:20:46,000 --> 00:20:48,440
Speaker 5: my old job. Rough and I loved it there. It

463
00:20:48,560 --> 00:20:51,239
Speaker 5: was great. I loved my team, but you know, it

464
00:20:51,320 --> 00:20:54,480
Speaker 5: was a bit wrong. It's a lot, yeah, And I

465
00:20:54,520 --> 00:20:59,720
Speaker 5: was so tired. And then my mum and stepdad decided

466
00:20:59,760 --> 00:21:01,680
Speaker 5: they wanted to open a business. They wanted to open

467
00:21:01,720 --> 00:21:05,240
Speaker 5: a record store, so they were looking for a venue

468
00:21:05,280 --> 00:21:07,639
Speaker 5: to do that in and they found this amazing venue

469
00:21:08,119 --> 00:21:12,080
Speaker 5: where we live, and it had a little cafe space

470
00:21:12,119 --> 00:21:15,879
Speaker 5: already set up inside, not a space, it had the

471
00:21:15,920 --> 00:21:18,280
Speaker 5: plumbing and the electricity for a cafe. It was empty.

472
00:21:18,720 --> 00:21:21,760
Speaker 5: And they said, would you want to open up a

473
00:21:21,760 --> 00:21:23,520
Speaker 5: business in here or would you want to manage a

474
00:21:23,560 --> 00:21:26,359
Speaker 5: business if we opened it? And at first I was like, no,

475
00:21:26,520 --> 00:21:28,960
Speaker 5: I absolutely do not want to do that. I'm studying

476
00:21:29,000 --> 00:21:31,000
Speaker 5: full time, I have a job, I have a mortgage.

477
00:21:31,000 --> 00:21:33,000
Speaker 5: I'm not going to open a business like go Away.

478
00:21:33,560 --> 00:21:36,760
Speaker 5: And then I thought about it more and I just

479
00:21:36,840 --> 00:21:40,600
Speaker 5: sort of thought, like, I do only live once, why not,

480
00:21:40,800 --> 00:21:43,000
Speaker 5: Like I have an amazing partner who would support me

481
00:21:43,040 --> 00:21:46,040
Speaker 5: through anything, I have the ability to work another job.

482
00:21:47,000 --> 00:21:49,199
Speaker 5: Why not just do it? So I just did it.

483
00:21:49,320 --> 00:21:51,920
Speaker 5: I think it cost me about ten thousand dollars and

484
00:21:52,440 --> 00:21:57,440
Speaker 5: a million hours to open it up. I sourced everything

485
00:21:57,640 --> 00:22:01,840
Speaker 5: from marketplace or second hand and from op shops, even

486
00:22:01,920 --> 00:22:05,240
Speaker 5: like the counter and everything, so got everything secondhand.

487
00:22:05,280 --> 00:22:06,560
Speaker 4: Oh my gosh, how good.

488
00:22:06,880 --> 00:22:08,399
Speaker 5: Yeah, And I really wanted to do that from a

489
00:22:08,520 --> 00:22:12,360
Speaker 5: sustainability point of view, and obviously from a monetary point

490
00:22:12,359 --> 00:22:16,280
Speaker 5: of view as well. And then for the first seven

491
00:22:16,400 --> 00:22:20,000
Speaker 5: months of operating. It was just me there every single day.

492
00:22:20,640 --> 00:22:23,720
Speaker 5: I was exhausted. I was still studying full time, but

493
00:22:24,080 --> 00:22:26,720
Speaker 5: obviously it was during COVID, so it was online, so

494
00:22:26,760 --> 00:22:30,159
Speaker 5: I was like I'd have my laptop there with a

495
00:22:30,240 --> 00:22:33,480
Speaker 5: lecture on while I was like making coffees. And it

496
00:22:33,560 --> 00:22:36,000
Speaker 5: was really hard. It was really hard work. But then

497
00:22:36,040 --> 00:22:37,440
Speaker 5: I got to the point where I could hire one

498
00:22:37,480 --> 00:22:40,919
Speaker 5: staff member and then another and then another and now

499
00:22:40,960 --> 00:22:45,600
Speaker 5: you're thriving. Yeah, So it was a really amazing journey

500
00:22:45,600 --> 00:22:47,360
Speaker 5: and I'm really grateful. It's definitely the best thing I've

501
00:22:47,359 --> 00:22:50,320
Speaker 5: ever done in my life. And at the moment, it like,

502
00:22:50,720 --> 00:22:53,440
Speaker 5: obviously I still do work for it. There's a lot

503
00:22:53,480 --> 00:22:56,280
Speaker 5: of behind the scenes work, but I would almost say

504
00:22:56,320 --> 00:22:59,240
Speaker 5: like it's passive income. I get about seven hundred dollars

505
00:22:59,320 --> 00:23:02,720
Speaker 5: a week just coming in from that without me having

506
00:23:02,760 --> 00:23:04,640
Speaker 5: to work there, which is the best feeling.

507
00:23:05,000 --> 00:23:07,160
Speaker 4: It is so lovely, who are you?

508
00:23:07,800 --> 00:23:09,560
Speaker 3: And that's a business that you can build up and

509
00:23:09,640 --> 00:23:11,760
Speaker 3: nurture and potentially one day if you wanted to, you

510
00:23:11,840 --> 00:23:14,240
Speaker 3: could sell it on. Like you're building up something really

511
00:23:14,320 --> 00:23:17,160
Speaker 3: valuable there. I feel like, how do you go juggling

512
00:23:17,200 --> 00:23:20,280
Speaker 3: all of that back end admin? Because Anyone who has

513
00:23:20,320 --> 00:23:22,760
Speaker 3: ever run a small business would know that admin is

514
00:23:22,800 --> 00:23:26,159
Speaker 3: where your time just disappears down a hole. How do

515
00:23:26,200 --> 00:23:28,480
Speaker 3: you go with that? And then your current full time

516
00:23:28,520 --> 00:23:30,960
Speaker 3: marketing role plus your freelance work as well.

517
00:23:31,240 --> 00:23:33,399
Speaker 5: It's definitely a lot of it is done on the

518
00:23:33,440 --> 00:23:38,480
Speaker 5: couch at night or I give plasma every two weeks

519
00:23:38,680 --> 00:23:40,560
Speaker 5: to the blood bank, and that is my time.

520
00:23:40,680 --> 00:23:43,760
Speaker 1: So she's just like an all round, really wholesome person.

521
00:23:43,960 --> 00:23:45,240
Speaker 4: I'm obsessed with you.

522
00:23:45,480 --> 00:23:47,480
Speaker 5: Well, that process takes about two hours, so that is

523
00:23:47,520 --> 00:23:49,560
Speaker 5: my time where like there's no one there to distract me.

524
00:23:49,640 --> 00:23:52,359
Speaker 5: I just knuckle down. I do the pays, I do

525
00:23:52,400 --> 00:23:55,120
Speaker 5: the rostering, I do any ordering, I need to pay

526
00:23:55,119 --> 00:23:57,320
Speaker 5: any invoices, Like I really try and just use that

527
00:23:57,480 --> 00:24:01,040
Speaker 5: time to like smash it up the Fortnite cure?

528
00:24:01,160 --> 00:24:04,359
Speaker 1: Are you Like you're just like this awesome human. But

529
00:24:04,400 --> 00:24:08,080
Speaker 1: that's also a really good point. Giving plasma does take time,

530
00:24:08,160 --> 00:24:10,800
Speaker 1: but you're using it effectively and it's something that the

531
00:24:10,800 --> 00:24:12,680
Speaker 1: blood bank needs more of, right, I.

532
00:24:12,560 --> 00:24:14,800
Speaker 3: Heard on the radio this morning they're really in need

533
00:24:14,840 --> 00:24:16,440
Speaker 3: of I think own negative.

534
00:24:16,119 --> 00:24:18,960
Speaker 1: Or something there, because that's the most useful time blood.

535
00:24:19,119 --> 00:24:22,199
Speaker 3: Don't know, just sliding that in there if you can

536
00:24:22,280 --> 00:24:24,359
Speaker 3: give blood, doo like, it's a really easy thing to

537
00:24:24,440 --> 00:24:26,359
Speaker 3: do that, and they have free snacks, they give you

538
00:24:26,400 --> 00:24:29,080
Speaker 3: free snacks. They're really kind and you literally can change

539
00:24:29,080 --> 00:24:30,879
Speaker 3: somebody's life. So if anyone's been thinking about it, you

540
00:24:30,920 --> 00:24:32,880
Speaker 3: can book online, take a leaf out of our money

541
00:24:32,920 --> 00:24:36,200
Speaker 3: Direst's book. You can donate plasma, or you can donate blood.

542
00:24:36,440 --> 00:24:38,160
Speaker 3: Blood is a lot less frequent I think. I don't

543
00:24:38,160 --> 00:24:38,800
Speaker 3: think it's every.

544
00:24:38,640 --> 00:24:40,639
Speaker 5: Two weeks, but it's every three months.

545
00:24:40,840 --> 00:24:42,480
Speaker 3: They go, she's an expert.

546
00:24:42,440 --> 00:24:44,000
Speaker 4: So it's not even that bigger commitment.

547
00:24:44,040 --> 00:24:46,560
Speaker 1: If you're just donating blood, it's just once every three months,

548
00:24:46,560 --> 00:24:48,200
Speaker 1: and then you can tell people how good you are.

549
00:24:48,359 --> 00:24:48,960
Speaker 4: I love that.

550
00:24:49,040 --> 00:24:50,560
Speaker 3: But what a clever way to use that time to

551
00:24:50,720 --> 00:24:53,720
Speaker 3: be doing something that's obviously important to you and you

552
00:24:53,760 --> 00:24:56,080
Speaker 3: know you obviously want to give back or support in

553
00:24:56,119 --> 00:24:58,040
Speaker 3: that way, but then to also be like, I'm just

554
00:24:58,080 --> 00:25:00,000
Speaker 3: going to bring my laptop along with me. I think

555
00:25:00,080 --> 00:25:02,639
Speaker 3: that's an incredible testament to your mentality.

556
00:25:02,760 --> 00:25:06,000
Speaker 5: It's a matter of like finding time and I could

557
00:25:06,000 --> 00:25:08,560
Speaker 5: just be sitting there watching tiktoks because it's like, oh,

558
00:25:08,640 --> 00:25:11,240
Speaker 5: I'm already doing something hard. There's a needle in my

559
00:25:11,359 --> 00:25:14,440
Speaker 5: arm for doing Yeah, don't you attack me like that.

560
00:25:15,560 --> 00:25:17,440
Speaker 5: But instead, I'm just trying to find the time where

561
00:25:17,440 --> 00:25:20,480
Speaker 5: I can. So like when I was studying as well,

562
00:25:20,680 --> 00:25:22,760
Speaker 5: I would be cooking dinner and I'd have my lectures on. Like,

563
00:25:22,840 --> 00:25:25,479
Speaker 5: I'm just trying to find time where I can, and

564
00:25:25,560 --> 00:25:28,359
Speaker 5: it's definitely helped me manage myself better.

565
00:25:28,480 --> 00:25:31,720
Speaker 1: Oh my gosh, not to be too pervy, but how

566
00:25:31,760 --> 00:25:34,280
Speaker 1: does your mental health go with all of that. I

567
00:25:34,359 --> 00:25:37,679
Speaker 1: know that mine ends up being incredibly overwhelmed, and I

568
00:25:37,760 --> 00:25:40,879
Speaker 1: feel like I recently in particular, have just like burnt

569
00:25:40,960 --> 00:25:44,000
Speaker 1: myself out. Is that something where you're just in the

570
00:25:44,359 --> 00:25:46,680
Speaker 1: I guess in the depths of it and you're like no, nothing,

571
00:25:47,040 --> 00:25:49,400
Speaker 1: or is that something that you have to work on regularly.

572
00:25:49,560 --> 00:25:52,399
Speaker 5: It definitely comes in goes in waves, like I have

573
00:25:52,520 --> 00:25:55,280
Speaker 5: my struggles. We all have our struggles, and sometimes it

574
00:25:55,280 --> 00:25:56,879
Speaker 5: all is a bit too much. I'm a bit of

575
00:25:56,880 --> 00:26:02,399
Speaker 5: a crier and I'm sad about once a month I

576
00:26:02,480 --> 00:26:05,200
Speaker 5: will just like fully just like, oh it's all too much,

577
00:26:05,240 --> 00:26:07,680
Speaker 5: Like I'm doing too much. I can't do it. When

578
00:26:07,720 --> 00:26:10,359
Speaker 5: I get burnt out and overwhelmed, it's a case of

579
00:26:10,400 --> 00:26:12,600
Speaker 5: stepping back from things that I don't need to be doing,

580
00:26:12,720 --> 00:26:15,679
Speaker 5: so I'll step back from doing some extra work on

581
00:26:15,760 --> 00:26:18,040
Speaker 5: the copywriting business, or I'll stop going to the gym

582
00:26:18,040 --> 00:26:21,080
Speaker 5: for a couple of days, or you know, if I've

583
00:26:21,840 --> 00:26:23,960
Speaker 5: committed to doing some extra stuff for the cafe, I'll

584
00:26:23,960 --> 00:26:26,000
Speaker 5: just step back from that and have a bit of

585
00:26:26,080 --> 00:26:29,520
Speaker 5: a reset, watch some TV, like just relax, and then

586
00:26:29,560 --> 00:26:32,399
Speaker 5: I can come back refresh. So it's definitely just listening

587
00:26:32,480 --> 00:26:33,080
Speaker 5: to my body.

588
00:26:33,200 --> 00:26:36,000
Speaker 1: I feel like that's such an important question to ask,

589
00:26:36,240 --> 00:26:38,639
Speaker 1: especially when you sound like the bigger I don't want

590
00:26:38,640 --> 00:26:40,280
Speaker 1: to use the term girl boss because I hate that

591
00:26:40,400 --> 00:26:43,800
Speaker 1: tis so gross, but like, you just sound like the

592
00:26:43,880 --> 00:26:47,680
Speaker 1: biggest boss, and I'm obsessed with it. But I also go, oh,

593
00:26:47,680 --> 00:26:50,800
Speaker 1: like sometimes when listening to podcasts like this or seeing

594
00:26:50,800 --> 00:26:53,280
Speaker 1: social media, you just only see the shiny sides of

595
00:26:53,280 --> 00:26:55,560
Speaker 1: it where you're like, wow, she's so impressive if she

596
00:26:55,880 --> 00:26:58,240
Speaker 1: has this business, and you know he's doing UNI and

597
00:26:58,440 --> 00:27:01,320
Speaker 1: has this epic job and so does all these awesome things,

598
00:27:01,359 --> 00:27:03,879
Speaker 1: and it's kind of like, no, let's like normalize the

599
00:27:03,920 --> 00:27:06,919
Speaker 1: fact that, like we also break and sometimes we are

600
00:27:07,000 --> 00:27:10,280
Speaker 1: really fragile, and it's important to talk about these things

601
00:27:10,359 --> 00:27:13,399
Speaker 1: because if we don't how is somebody else going to

602
00:27:13,440 --> 00:27:15,040
Speaker 1: go all right, I'm going to give it a crack

603
00:27:15,320 --> 00:27:17,359
Speaker 1: when they're like, oh, but you know, I'm not a

604
00:27:17,440 --> 00:27:20,320
Speaker 1: thousand percent mentally equipped for this, and it's like, no, no, no,

605
00:27:20,440 --> 00:27:22,399
Speaker 1: you do it anyway. And when there is a will,

606
00:27:22,440 --> 00:27:23,120
Speaker 1: there is a way.

607
00:27:23,359 --> 00:27:26,359
Speaker 5: Obviously, because the cafe's first birthday is coming up in

608
00:27:26,400 --> 00:27:27,639
Speaker 5: a couple of weeks, I've been doing a lot of

609
00:27:27,640 --> 00:27:30,280
Speaker 5: reflecting and I look back and I find it so

610
00:27:30,359 --> 00:27:33,359
Speaker 5: amazing how I was able to do it at the start,

611
00:27:34,160 --> 00:27:35,800
Speaker 5: and I think that gives me a lot of strength

612
00:27:35,840 --> 00:27:38,639
Speaker 5: as well, is like looking back from where I've come from,

613
00:27:39,600 --> 00:27:42,280
Speaker 5: and it really motivates me to keep going. I don't know,

614
00:27:42,440 --> 00:27:45,720
Speaker 5: just like finding strength in my past self. It's like

615
00:27:45,760 --> 00:27:47,879
Speaker 5: my past self would be so proud of the fact

616
00:27:48,440 --> 00:27:50,280
Speaker 5: that I'm not having to get up at five am

617
00:27:50,280 --> 00:27:53,840
Speaker 5: every day and work there. So for her, I'm going

618
00:27:53,880 --> 00:27:55,399
Speaker 5: to go ahead and plan this event. I'm going to

619
00:27:55,480 --> 00:27:57,199
Speaker 5: go ahead and reach out to these new suppliers, Like

620
00:27:57,200 --> 00:27:59,840
Speaker 5: it's very much. I'm a big fan of doing things

621
00:27:59,840 --> 00:28:01,639
Speaker 5: for my past self to make her proud.

622
00:28:01,880 --> 00:28:06,840
Speaker 1: Oh so so she's so wholeome. Blood donating plasma donating

623
00:28:06,920 --> 00:28:09,399
Speaker 1: legend I'm obsessed with you. I said that before, but

624
00:28:09,440 --> 00:28:10,400
Speaker 1: I genuinely am.

625
00:28:10,760 --> 00:28:11,720
Speaker 4: And I think that that's.

626
00:28:11,560 --> 00:28:14,840
Speaker 1: Such a good place to position it as well, Like,

627
00:28:15,119 --> 00:28:17,440
Speaker 1: can you imagine if we sat you down and said,

628
00:28:17,480 --> 00:28:20,760
Speaker 1: all right, money direst Like, in another year, you're going

629
00:28:20,800 --> 00:28:22,760
Speaker 1: to have an epic business of your own. You're going

630
00:28:22,800 --> 00:28:24,480
Speaker 1: to be doing all these things, Like would you ever

631
00:28:24,520 --> 00:28:25,159
Speaker 1: believed that?

632
00:28:25,960 --> 00:28:27,359
Speaker 5: No? No, exactly.

633
00:28:27,600 --> 00:28:29,359
Speaker 1: So I think it's so cool to look back and

634
00:28:29,400 --> 00:28:31,879
Speaker 1: be like, oh my gosh, she was doing it. She

635
00:28:31,920 --> 00:28:34,639
Speaker 1: didn't necessarily believe in it, but she was full of

636
00:28:34,680 --> 00:28:37,280
Speaker 1: the hustle, and now you do. I just feel like

637
00:28:37,320 --> 00:28:40,320
Speaker 1: it's so so kind to look back on past self

638
00:28:40,320 --> 00:28:42,920
Speaker 1: with like kind eyes. And we always say that, you know,

639
00:28:43,040 --> 00:28:45,280
Speaker 1: past self was just doing the best that they could

640
00:28:45,960 --> 00:28:48,200
Speaker 1: and they just don't know how good it can end

641
00:28:48,280 --> 00:28:48,720
Speaker 1: up being.

642
00:28:49,120 --> 00:28:51,400
Speaker 5: Yeah, yeah, I'm very proud. I'm very proud of myself.

643
00:28:51,440 --> 00:28:54,080
Speaker 1: Oh I'm glad you should be. We're proud of you.

644
00:28:54,440 --> 00:28:57,200
Speaker 3: Speaking of your job, I want to talk about your

645
00:28:57,480 --> 00:29:00,400
Speaker 3: marketing role as well, because you're doing this whole other thing.

646
00:29:00,680 --> 00:29:02,080
Speaker 3: You know, you've got a business and you've got a

647
00:29:02,120 --> 00:29:04,200
Speaker 3: whole other section of your life with your full time

648
00:29:04,280 --> 00:29:06,480
Speaker 3: role which is a six year role, which is incredible.

649
00:29:06,920 --> 00:29:09,440
Speaker 3: It's not common for someone to graduate, step out of

650
00:29:09,520 --> 00:29:12,080
Speaker 3: UNI and then jump straight into a role that pays

651
00:29:12,160 --> 00:29:16,240
Speaker 3: so well. Did you negotiate that salary? How did you

652
00:29:16,280 --> 00:29:19,520
Speaker 3: come across this job? Because typically anyone who's taken a

653
00:29:19,760 --> 00:29:22,400
Speaker 3: position will note that it's usually a little bit of

654
00:29:22,400 --> 00:29:25,000
Speaker 3: the hard slog, doing your due diligence, your time in

655
00:29:25,160 --> 00:29:28,959
Speaker 3: with the trenches, and generally the pay's not great. So

656
00:29:29,320 --> 00:29:32,400
Speaker 3: what did you do differently that maybe other people can

657
00:29:32,400 --> 00:29:33,520
Speaker 3: try implement as well.

658
00:29:33,760 --> 00:29:36,440
Speaker 5: So the company that I work for I used to

659
00:29:36,800 --> 00:29:39,080
Speaker 5: when I was in UNI. I was freelancing for a

660
00:29:39,080 --> 00:29:43,800
Speaker 5: copywriting agency who this company was one of their clients,

661
00:29:44,040 --> 00:29:46,800
Speaker 5: so I was familiar with the business. I'd already done

662
00:29:46,840 --> 00:29:50,080
Speaker 5: some work for them. Unfortunately, I was unable to continue

663
00:29:50,080 --> 00:29:54,400
Speaker 5: my job with that marketing agency, and then I saw

664
00:29:54,680 --> 00:29:56,920
Speaker 5: this role come up. I saw it on Instagram, I think,

665
00:29:57,000 --> 00:29:59,680
Speaker 5: and they were hiring an executive. They were hiring someone

666
00:29:59,720 --> 00:30:02,760
Speaker 5: with years experience, they wanted all of these things, and

667
00:30:02,840 --> 00:30:04,920
Speaker 5: I was like, I don't have that. But it was

668
00:30:04,960 --> 00:30:06,880
Speaker 5: a sort of a like a matter of I'm not

669
00:30:06,920 --> 00:30:10,680
Speaker 5: desperate for the job, so why not try? And so

670
00:30:10,760 --> 00:30:13,400
Speaker 5: I tried and I had an interview, and then my

671
00:30:13,480 --> 00:30:16,360
Speaker 5: boss flew up from Sydney so we could properly meet

672
00:30:16,440 --> 00:30:19,080
Speaker 5: up for an interview, and it was just amazing, like

673
00:30:19,080 --> 00:30:21,160
Speaker 5: we got along so well, and even though I was

674
00:30:21,240 --> 00:30:24,520
Speaker 5: obviously lucky in some areas because I only had about

675
00:30:24,560 --> 00:30:27,400
Speaker 5: a year's experience, she just she was happy for me

676
00:30:27,480 --> 00:30:29,480
Speaker 5: to come on anyway. So that was a really great

677
00:30:29,520 --> 00:30:33,360
Speaker 5: starting point. And when we spoke about salary, I was

678
00:30:33,400 --> 00:30:36,680
Speaker 5: absolutely shocked because I assumed that because I wasn't meeting

679
00:30:36,760 --> 00:30:39,440
Speaker 5: all of everything they wanted for that role, I wasn't

680
00:30:39,480 --> 00:30:41,760
Speaker 5: going to get paid the salary that they'd put aside.

681
00:30:41,880 --> 00:30:46,600
Speaker 5: But when she told me, I was just absolutely gobsmacked.

682
00:30:46,920 --> 00:30:51,120
Speaker 5: I was super happy with it. But again, I really

683
00:30:51,160 --> 00:30:53,520
Speaker 5: wide up. I was like, that's a great role and

684
00:30:53,600 --> 00:30:57,600
Speaker 5: a great salary, but considering everything else in my life,

685
00:30:58,240 --> 00:31:00,320
Speaker 5: is it enough? So I did negotiate it to be

686
00:31:00,360 --> 00:31:03,400
Speaker 5: a little bit higher because I did have to let

687
00:31:03,480 --> 00:31:06,200
Speaker 5: a couple of my freelancing clients go, and so I

688
00:31:06,240 --> 00:31:07,920
Speaker 5: just wanted to sort of balance that for myself. It

689
00:31:07,960 --> 00:31:10,560
Speaker 5: was obviously a bit of a risk, and yeah, they

690
00:31:10,560 --> 00:31:14,040
Speaker 5: were happy for me to negotiate, and once I'm off probation,

691
00:31:14,120 --> 00:31:15,560
Speaker 5: which will be next month.

692
00:31:15,880 --> 00:31:16,560
Speaker 4: Exciting.

693
00:31:16,960 --> 00:31:20,360
Speaker 5: We've agreed on a pay rise as well. Then what Yeah,

694
00:31:20,400 --> 00:31:22,480
Speaker 5: so it's really great and I'm very happy with it.

695
00:31:22,520 --> 00:31:24,760
Speaker 5: I think it was just a matter of like, obviously

696
00:31:24,800 --> 00:31:26,880
Speaker 5: I cared, I cared very deeply, but it was not

697
00:31:26,920 --> 00:31:28,960
Speaker 5: being scared and just going for it and just giving

698
00:31:28,960 --> 00:31:30,720
Speaker 5: it a go, because the worst they can say is no,

699
00:31:31,440 --> 00:31:34,880
Speaker 5: and then you can reevaluate and it's like, oh, it's fine,

700
00:31:35,120 --> 00:31:35,880
Speaker 5: that's so true.

701
00:31:35,960 --> 00:31:39,160
Speaker 3: Research shows that women will only apply for roles if

702
00:31:39,200 --> 00:31:40,840
Speaker 3: they feel like they meet I think it was like

703
00:31:41,000 --> 00:31:46,240
Speaker 3: ninety percent. Yeah, that delistic criteria, whereas men would apply

704
00:31:46,440 --> 00:31:48,880
Speaker 3: if they met like sixty percent or something.

705
00:31:49,320 --> 00:31:52,200
Speaker 1: I'm not, no, no, no, that feels really right. Yeah, even

706
00:31:52,200 --> 00:31:55,600
Speaker 1: if not the premise of that comment is exactly on point.

707
00:31:56,240 --> 00:31:58,959
Speaker 1: Where did you find your audacity? Did you borrow it

708
00:31:59,000 --> 00:32:01,959
Speaker 1: from a medio commit age white man, or like just

709
00:32:02,120 --> 00:32:02,920
Speaker 1: made yourself.

710
00:32:03,680 --> 00:32:06,480
Speaker 5: I was definitely inspired by you guys, like you've said

711
00:32:06,520 --> 00:32:09,440
Speaker 5: that statisticians are and I said that to my partner.

712
00:32:09,440 --> 00:32:12,040
Speaker 5: I was like, who cares if I don't meet all

713
00:32:12,080 --> 00:32:14,520
Speaker 5: of these you know, I meet some of them and

714
00:32:14,600 --> 00:32:16,640
Speaker 5: I have things that they're not asking for. I know

715
00:32:17,120 --> 00:32:19,480
Speaker 5: the company, I know what they do. I've worked with

716
00:32:19,760 --> 00:32:22,880
Speaker 5: them before, so why not Like I can offer other

717
00:32:22,920 --> 00:32:26,240
Speaker 5: things that isn't three to five years experience, And yeah,

718
00:32:26,480 --> 00:32:27,200
Speaker 5: it just paid off.

719
00:32:27,360 --> 00:32:28,760
Speaker 3: The worst I can pay is now. And if you

720
00:32:28,760 --> 00:32:30,640
Speaker 3: get a rejection email, it just goes in the trash

721
00:32:30,680 --> 00:32:32,560
Speaker 3: with all the other ones. Right's I love that. I

722
00:32:32,600 --> 00:32:33,520
Speaker 3: think more people should do that.

723
00:32:33,600 --> 00:32:35,040
Speaker 1: Yeah, you love that because you did that.

724
00:32:35,200 --> 00:32:36,280
Speaker 4: You did that for your job.

725
00:32:36,600 --> 00:32:39,480
Speaker 1: So when Jess applied for her role, she met basically

726
00:32:39,480 --> 00:32:41,720
Speaker 1: none of the criteria, but she was some of them.

727
00:32:41,800 --> 00:32:44,360
Speaker 1: No no, no, but like for a content creation role,

728
00:32:44,400 --> 00:32:46,160
Speaker 1: You're like, I've never done this before, but look at

729
00:32:46,160 --> 00:32:48,040
Speaker 1: all my stuff. Look how smart I am, Look how

730
00:32:48,080 --> 00:32:50,720
Speaker 1: great I am at this. Jess went above and beyond.

731
00:32:50,880 --> 00:32:53,880
Speaker 1: I'm not meaning to embarrass you. I'm just impressed. She

732
00:32:53,960 --> 00:32:57,640
Speaker 1: not only did the application, she submitted her resumetion, wrote

733
00:32:57,640 --> 00:33:01,400
Speaker 1: a gorgeous cover letter. Jess, she actually filmed an entire

734
00:33:01,520 --> 00:33:05,840
Speaker 1: private YouTube video explaining to me exactly why she would

735
00:33:05,880 --> 00:33:08,160
Speaker 1: be perfect for the job. And I was like, oh, okay,

736
00:33:08,240 --> 00:33:10,480
Speaker 1: sit down, come in. And I knew that I was

737
00:33:10,520 --> 00:33:12,480
Speaker 1: going to hire her before i'd even met her, because

738
00:33:12,480 --> 00:33:14,640
Speaker 1: I was like, who goes that above and beyond for

739
00:33:14,720 --> 00:33:17,560
Speaker 1: a job. But Jess was like, no, if I want it,

740
00:33:17,600 --> 00:33:19,480
Speaker 1: I'm going to go for it, and those are the

741
00:33:19,480 --> 00:33:21,240
Speaker 1: types of people I want on my team. So I

742
00:33:21,480 --> 00:33:24,480
Speaker 1: fully back your mentality and I think more people should

743
00:33:24,560 --> 00:33:27,760
Speaker 1: do it because you're right. Money Diarist nearly used your name,

744
00:33:28,040 --> 00:33:31,600
Speaker 1: but you are so right. What's the worst I can say? No, Sorry,

745
00:33:31,640 --> 00:33:34,160
Speaker 1: we actually need need that five years experience. You're going,

746
00:33:34,160 --> 00:33:35,800
Speaker 1: no problems. Thanks for getting back to me.

747
00:33:35,880 --> 00:33:36,960
Speaker 5: I'll apply in five years.

748
00:33:37,120 --> 00:33:41,360
Speaker 1: Yeah, thanks, see them bab bye. No, Oh my gosh,

749
00:33:41,400 --> 00:33:43,040
Speaker 1: I love that. I feel like you have been such

750
00:33:43,040 --> 00:33:45,680
Speaker 1: an inspirational Money Diarist. But the last question I want

751
00:33:45,720 --> 00:33:48,960
Speaker 1: to ask you is, actually, what if we're at UNI

752
00:33:49,240 --> 00:33:51,600
Speaker 1: and we're thinking of starting a side hustle but we

753
00:33:51,680 --> 00:33:53,880
Speaker 1: are terrified, what do you think we should be doing.

754
00:33:54,160 --> 00:33:57,720
Speaker 5: Make sure you're surrounded by people who will support you,

755
00:33:58,120 --> 00:34:01,160
Speaker 5: not necessarily financially, but who will you know lift you

756
00:34:01,280 --> 00:34:04,080
Speaker 5: up and give you the mental and emotional support that

757
00:34:04,120 --> 00:34:07,080
Speaker 5: you need. And if you have someone who you know

758
00:34:07,160 --> 00:34:09,840
Speaker 5: will catch you if you fall, that's also really helpful.

759
00:34:10,320 --> 00:34:11,960
Speaker 5: What I did was I made sure so I was

760
00:34:12,000 --> 00:34:15,880
Speaker 5: freelancing at the time, and I made sure that, like

761
00:34:15,920 --> 00:34:17,439
Speaker 5: I was still going to be doing that, I still

762
00:34:17,480 --> 00:34:19,359
Speaker 5: had a bit of money coming in. I made sure

763
00:34:19,360 --> 00:34:22,200
Speaker 5: that my expenses could be covered, so whether that's sent

764
00:34:22,320 --> 00:34:26,120
Speaker 5: Link or another job or parents or whatever, made sure

765
00:34:26,160 --> 00:34:29,560
Speaker 5: that my bills would be paid. And then I just

766
00:34:29,600 --> 00:34:31,200
Speaker 5: went for it. Like I just went for it because

767
00:34:31,280 --> 00:34:33,560
Speaker 5: what's the worst that could happen if the business failed.

768
00:34:34,280 --> 00:34:36,879
Speaker 5: I still had experience in hospitality. I could get another

769
00:34:36,880 --> 00:34:41,719
Speaker 5: hospitality job so easily, and you know, often if you try,

770
00:34:41,760 --> 00:34:43,799
Speaker 5: and if you're passionate and if you you know, really

771
00:34:43,800 --> 00:34:46,560
Speaker 5: work hard, it will pay off. So yeah, that's what

772
00:34:46,600 --> 00:34:48,800
Speaker 5: I'd say. It's just make sure that you're supported and

773
00:34:48,840 --> 00:34:51,000
Speaker 5: you're comfortable, and then just just take the leap and

774
00:34:51,040 --> 00:34:51,359
Speaker 5: do it.

775
00:34:51,520 --> 00:34:54,759
Speaker 1: I feel like that is really really important advice. And

776
00:34:54,800 --> 00:34:57,200
Speaker 1: I think to add to that, you're in the position

777
00:34:57,280 --> 00:34:59,680
Speaker 1: that I was in when I started, you know, doing

778
00:34:59,719 --> 00:35:02,319
Speaker 1: my own thing. I started what was at Zella. I

779
00:35:02,360 --> 00:35:04,960
Speaker 1: was twenty three when I started that, and I think

780
00:35:05,000 --> 00:35:07,520
Speaker 1: that people all thought I was crazy, and I was

781
00:35:07,920 --> 00:35:11,279
Speaker 1: at the time. It was kind of like, oh, you know,

782
00:35:11,360 --> 00:35:13,799
Speaker 1: I didn't have a partner. Then I was in a

783
00:35:13,800 --> 00:35:16,600
Speaker 1: position where I was living in a sharehouse. I'd worked

784
00:35:16,600 --> 00:35:18,880
Speaker 1: out what my expenses were, and I knew that I

785
00:35:18,960 --> 00:35:21,000
Speaker 1: could start a business. If I had like a part

786
00:35:21,040 --> 00:35:24,080
Speaker 1: time job on the side, I could still cover my bills.

787
00:35:24,200 --> 00:35:26,560
Speaker 1: And I was in the very privileged position of, you know,

788
00:35:26,600 --> 00:35:31,240
Speaker 1: being young, educated, not having any financial responsibilities like children

789
00:35:31,480 --> 00:35:33,720
Speaker 1: or you know, a partner that wasn't working or something

790
00:35:33,760 --> 00:35:35,280
Speaker 1: like that. And I was like, well, if this doesn't

791
00:35:35,280 --> 00:35:37,480
Speaker 1: work out, I'll just go find another job and I'll

792
00:35:37,520 --> 00:35:40,120
Speaker 1: call it a learning. And I just think so many

793
00:35:40,120 --> 00:35:42,359
Speaker 1: more of us need to back ourselves in that way,

794
00:35:42,920 --> 00:35:45,600
Speaker 1: because yes, I was very naive and it was much

795
00:35:45,600 --> 00:35:46,640
Speaker 1: harder than I thought.

796
00:35:46,400 --> 00:35:47,200
Speaker 4: It was going to be.

797
00:35:47,760 --> 00:35:50,920
Speaker 1: But it's gotten me to this position that I desperately

798
00:35:50,960 --> 00:35:52,480
Speaker 1: wanted to be in and didn't know I wanted to

799
00:35:52,480 --> 00:35:54,400
Speaker 1: be in today, And it looks like you're in exactly

800
00:35:54,440 --> 00:35:56,400
Speaker 1: that same position, and it just makes me so proud

801
00:35:56,440 --> 00:35:58,720
Speaker 1: that you're like, no, I just did it, and I'm like, Okay.

802
00:35:59,120 --> 00:36:01,719
Speaker 5: It was really scary because we'd bought a house four

803
00:36:01,760 --> 00:36:03,480
Speaker 5: months before, so it was she.

804
00:36:03,440 --> 00:36:04,080
Speaker 1: Was very to me.

805
00:36:04,239 --> 00:36:05,520
Speaker 4: I didn't have a mortgage.

806
00:36:06,080 --> 00:36:10,200
Speaker 5: Yeah, it was terrifying. It was honestly really terrifying. But again,

807
00:36:10,320 --> 00:36:12,160
Speaker 5: I made sure that I could pay the mortgage, my

808
00:36:12,200 --> 00:36:14,560
Speaker 5: half of the mortgage with the what was it, I

809
00:36:14,640 --> 00:36:16,680
Speaker 5: was bringing like two hundred and fifty dollars a week,

810
00:36:16,719 --> 00:36:18,759
Speaker 5: and I was like, yeah, that's fine, I can do it.

811
00:36:19,239 --> 00:36:22,120
Speaker 5: And then I was really lucky that I didn't operate

812
00:36:22,120 --> 00:36:24,440
Speaker 5: a loss for too long and could start paying myself

813
00:36:24,440 --> 00:36:26,840
Speaker 5: from the cafe and then the rest of history.

814
00:36:27,040 --> 00:36:27,920
Speaker 4: So good.

815
00:36:28,000 --> 00:36:31,319
Speaker 1: Well, congratulations on that, and congratulations to one year in

816
00:36:31,480 --> 00:36:32,680
Speaker 1: business very soon.

817
00:36:33,080 --> 00:36:34,440
Speaker 4: That is so exciting.

818
00:36:34,520 --> 00:36:37,000
Speaker 1: And I hope that you're not just celebrating it with

819
00:36:37,160 --> 00:36:39,240
Speaker 1: like the event you were talking about with the cafe,

820
00:36:39,280 --> 00:36:41,160
Speaker 1: but I hope you go out for dinner with family

821
00:36:41,160 --> 00:36:43,960
Speaker 1: and friends and just like actually celebrate it, because that's

822
00:36:44,000 --> 00:36:46,080
Speaker 1: one thing that if I look back on it, I

823
00:36:46,080 --> 00:36:49,880
Speaker 1: wish I'd celebrated those milestones a bit more. I will

824
00:36:50,360 --> 00:36:52,560
Speaker 1: thank you, thank you to do it for me, but

825
00:36:52,719 --> 00:36:54,759
Speaker 1: thank you so much. I think that is jess all.

826
00:36:54,800 --> 00:36:56,319
Speaker 1: We have time for today.

827
00:36:56,200 --> 00:36:58,719
Speaker 3: Absolutely, But just before we head off, don't forget the

828
00:36:58,760 --> 00:37:01,240
Speaker 3: advice shed on. She's on money is general in nature

829
00:37:01,280 --> 00:37:04,440
Speaker 3: and does not consider your individual circumstances. Shees on the

830
00:37:04,440 --> 00:37:07,560
Speaker 3: money exists purely for educational purposes and should not be

831
00:37:07,600 --> 00:37:10,200
Speaker 3: relied upon to make an investment or a financial decision,

832
00:37:10,440 --> 00:37:13,440
Speaker 3: and we promise. Victoria Divine is an authorized representative of

833
00:37:13,520 --> 00:37:17,880
Speaker 3: Infocused Securities Australia Proprietary Limited ABN four seven oh nine

834
00:37:18,000 --> 00:37:21,120
Speaker 3: seven seven nine seven O four nine AFSL two three

835
00:37:21,160 --> 00:37:21,920
Speaker 3: six five two

836
00:37:22,000 --> 00:37:29,520
Speaker 1: Three See next episode Guys Bye