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

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

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

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

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

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

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Speaker 1: As this podcast is about connecting, empowering, knowledge sharing and

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

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Speaker 1: 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 2: Hello and welcome to She's on the Money, the podcast

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Speaker 2: for millennials who want financial freedom. Today is Friday, my Friends,

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Speaker 2: which means it is time to sit back with the

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Speaker 2: girls and a bev in hand, to unpack our favorite

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Speaker 2: moments of the week and of course, to celebrate you

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Speaker 2: how incredible She's on the Money community. As always, we're

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Speaker 2: going to be sharing our favorite money wins, We're going

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Speaker 2: to discuss what's making news in the finance world, and

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Speaker 2: this week we're going to be helping to answer do

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Speaker 2: you see money question about property with a partner, so

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Speaker 2: stick around for that. But first it is time, as

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Speaker 2: always to recap the week that was. Miss Jessic Gariachi

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Speaker 2: tell us what happened on our Monday's Money Dary episode.

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Speaker 4: This week's Diris was someone who self proclaimed herself as

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Speaker 4: an elder millennial.

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Speaker 5: I'm not calling her old.

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Speaker 2: That's what she said themselves, an elder millennial, Like just

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Speaker 2: don't it, you're a millennial, yea to stop end her story.

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Speaker 4: We're the old people on TikTok and that's okay.

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Speaker 2: We know our place. It's to be pests.

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Speaker 4: She grew up with a lot of stress in her

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Speaker 4: life when it came to money. You know, she said

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Speaker 4: she made poor career choices or choices she wasn't happy

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Speaker 4: with her parents and grandparents made choices that you know,

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Speaker 4: maybe didn't put them in the best possible position. And

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Speaker 4: her whole life she kind of had this understanding of

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Speaker 4: that's just how it was like you kind of you

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Speaker 4: get by and that's.

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Speaker 5: As good as it gets.

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Speaker 4: But in the last five or six years, she has

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Speaker 4: moved countries seven times. She's lived seven was wild. Yeah,

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Speaker 4: she's lived all over the world. She's been making decisions

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Speaker 4: that really aim at furthering her career, increasing her income,

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Speaker 4: setting herself up financially. She had six figures now, and

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Speaker 4: she said that she wanted to share her story for

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Speaker 4: anyone who you know, was in a similar position to

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Speaker 4: her when she was growing up, and to tell them

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Speaker 4: that you can change your money, so you can change

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Speaker 4: your journey and you can set yourself up for success,

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Speaker 4: which I thought was awesome because absolutely there's, you know,

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Speaker 4: a level of privilege in everyone's life, and the circumstances

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Speaker 4: that your adult are a challenge, and some people adult

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Speaker 4: are better hand than others. But it was very inspirational

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Speaker 4: to hear her say, oh my gosh, like it was

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Speaker 4: really tough, and I was surrounded by people who were

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Speaker 4: making decisions that maybe weren't the best. But I worked

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Speaker 4: really hard and I educated myself and I'm where on

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Speaker 4: changing that for me, going for it.

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Speaker 6: I feel like that would be a really good episode

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Speaker 6: to listen to for people, people who might even be

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Speaker 6: afraid of listening to our podcast, who might think money

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Speaker 6: is a really anxiety inducing topic. To know that you

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Speaker 6: can change your circumstance. Absolutely, you can put the work in,

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Speaker 6: it's not going to happen overnight, but over the long

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Speaker 6: term you can really make changes.

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Speaker 2: So I think it's really empowering. I mean, not to

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Speaker 2: take it this way, because obviously that's really impactful, but Jess,

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Speaker 2: as you know, I have been watching The Real Housewives

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Speaker 2: of Beverly Hills recently, which is solid content for those

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Speaker 2: of you playing along at home. The drama. It wouldn't

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Speaker 2: fly in twenty twenty two. There is no way that

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Speaker 2: stuff would make it to air without them being completely canceled,

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Speaker 2: which is why I'm totally here for it. But to

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Speaker 2: wrap back to my actual point, one of them said

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Speaker 2: the other day on the show, They're like, oh, didn't

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Speaker 2: you grow up and be taught that talking about money

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Speaker 2: is disgusting and vulgar and all of this. And I

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Speaker 2: was just like, Sis, we need to talk. Like I

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Speaker 2: literally was looking at it, going that's such a toxic mentality.

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Speaker 2: And it's been a really long time since I've been

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Speaker 2: faced with that kind of opinion. And I mean, it

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Speaker 2: wasn't directed at me, but seeing someone be like, it's

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Speaker 2: actually disgusting, Like you shouldn't do that, Like you shouldn't

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Speaker 2: talk about money or how much you pay for anything,

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Speaker 2: or and I was just like hold up, like that's

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Speaker 2: something that is now empowering women and putting them in

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Speaker 2: the best possible position to get paid what they're worth

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Speaker 2: and do what they need to. And I just feel

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Speaker 2: like the idea that talking about money is gross just

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Speaker 2: it really irked me, and I was just like, our

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Speaker 2: money diaries exist purely for you guys to know what

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Speaker 2: other people go through and how that works. And look

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Speaker 2: how much we've learned over the last few years of

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Speaker 2: sharing money diaries. And I think we've all learned over

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Speaker 2: you know, the last three years of she'ese on the money,

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Speaker 2: that talking about money doesn't mean I go, hey, just

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Speaker 2: how much do you earn? Like we can have wholesome,

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Speaker 2: really productive conversations about money without talking personally about what

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Speaker 2: you earn. I mean, I'm all for sharing that and

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Speaker 2: talking about that because that puts us on a better,

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Speaker 2: more equal playing field. But man, I was really taken

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Speaker 2: aback by that. And so then looking at this money,

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Speaker 2: it's just so cool that she's rejigging her financial circumstances

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Speaker 2: and putting herself in the driver's seat, which I think

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Speaker 2: is something that should be extended to everybody one.

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Speaker 4: Hundred percent, And like that's why we love having such

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Speaker 4: diverse stories. This was an international story as well, which

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Speaker 4: was so cool. It blows my mind that we have

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Speaker 4: people living internationally and if you live in another country,

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Speaker 4: let us know, because that we always get such a

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Speaker 4: kick out of hearing where you're listening from. It also

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Speaker 4: was a very interesting look into a world that's very

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Speaker 4: different from our own because she shared about her parents

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Speaker 4: who are living in Venezuela, and for those who don't know,

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Speaker 4: I really didn't know a lot about it. The economic

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Speaker 4: and civil climate over there is really at a boiling

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Speaker 4: point and it's a really tough place to be living,

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Speaker 4: and she was assisting them financially, and it was a

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Speaker 4: good reminder that there's a much bigger world out.

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Speaker 2: There than talking about rent and eggs cost and whether

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Speaker 2: we can save up for a home to polit It's

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Speaker 2: so wild, isn't it.

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Speaker 5: It absolutely is.

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Speaker 4: And she was so candid in sharing her backstory, her parents' backstory.

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Speaker 4: I was really really grateful for it.

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Speaker 2: Wednesday was a good deep dive, Miss Georgia King. Were

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Speaker 2: you allowed back on the podcast?

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Speaker 6: I was allowed back on. You are so lucky, I know.

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Speaker 6: And this week we spoke all about passive versus active investing.

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Speaker 2: Lady, what a dream. I think I'm the only one

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Speaker 2: who really enjoyed that episode. But that is okay.

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Speaker 6: I learned some things. Do you want to hear?

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Speaker 2: I want to know what you learned.

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Speaker 6: An active investor tries to beat the market, whereas a

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Speaker 6: passive investor tracks a market index. So we spoke about

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Speaker 6: the pros and cons of each. You'll be able to

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Speaker 6: figure out what type of investor you are. It's it's

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Speaker 6: a lot of fun.

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Speaker 1: You know.

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Speaker 2: In Dolly Doctor, they used to have the quiz like

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Speaker 2: this or you're that?

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Speaker 5: Like which one direction member are you?

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Speaker 7: Yeah?

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Speaker 2: Not even in Dolly Doctor. It was just in Dolly

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Speaker 2: like the Dolly Doctor ones will always way more perfuse

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Speaker 2: which Luba are you? I don't know. That's all I

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Speaker 2: could think of. I'm sorry, but we should bring those

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Speaker 2: back and make like investing risk profiles sexier, like which

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Speaker 2: one direction are you? And then we should allocate different

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Speaker 2: risk profiles to each of them. Are you, Harry? I

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Speaker 2: don't know.

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Speaker 6: You sucks to be a Liam Paid. I'm kidding, great guy,

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Speaker 6: by all.

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Speaker 2: Reports, Just Georgia King. Let's move away because we've spoken

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Speaker 2: about Liam payin Harry and lube. We are going to

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Speaker 2: go into our budget directed money wins of the week.

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Speaker 2: What have you got to bring to the table?

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Speaker 1: Do it?

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Speaker 6: The first win comes from gri Money Win. I received

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Speaker 6: a check from A and Z for a closed credit

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Speaker 6: card I had overpaid on at the time of closing.

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Speaker 6: I overpaid a dollar thirty nine and because of the

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Speaker 6: interest A gained over the years, I got a check

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Speaker 6: for fifty two dollars.

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Speaker 2: Oh money Wi.

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Speaker 4: I said, I feel like she gained the system. Also

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Speaker 4: very interested that you just said A and Z.

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Speaker 1: Oh my god.

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Speaker 5: I thought about letting it flies and I was like, noah, God,

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Speaker 5: you never know what's going to come out of your mouth.

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Speaker 6: All these things.

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Speaker 2: Okay, So I used to get in so much trouble

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Speaker 2: growing up. Eric Devine, if you are listening, I am

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Speaker 2: still salty about this. But he'd be like, Z is

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Speaker 2: the American way of saying things. You need to say Z.

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Speaker 2: That is Australian and British, and we use British English

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Speaker 2: in this house. And I'd be like, okay, so everybody

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Speaker 2: else is doing their avcs and I'm like X Y Z,

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Speaker 2: and my dad would be like hitting the roof. He's

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Speaker 2: like it's X Y Z and be like that just

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Speaker 2: doesn't flow. The flow is not there, so you're messing

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Speaker 2: with the juju in this room by saying that.

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Speaker 6: Georgia, where I stand by A and C. Let's move

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Speaker 6: on to Sarah's money. When I recently visited a new

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Speaker 6: dentist clinic near the city and they found five fillings

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Speaker 6: that are due for replacing, the quote was horrendous. I

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Speaker 6: went to see my local regular dentist and their quote

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Speaker 6: was seven hundred dollars less. So that's where I'll be

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Speaker 6: going for my next appointment.

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Speaker 2: You just message her for the deets. Yeah, exactly, Sarah.

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Speaker 6: I'll be in touch. But do you guys go to

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Speaker 6: the dentist, because I don't.

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Speaker 1: We do.

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Speaker 2: Actually just might have the same dentist to Farty at

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Speaker 2: the Richmond Dentist and Ancrease an actual legend. But yeah, no,

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Speaker 2: it is expensive. But dental work across the board I

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Speaker 2: think is expensive. And I feel like we're lucky in

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Speaker 2: Australia because in America it's actually cooked. But like to me,

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Speaker 2: teeth are really important. So a good dentist is want

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Speaker 2: it worth the money to be. I didn't go to

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Speaker 2: them just four decades.

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Speaker 5: Because I was so anxious about put that on the pod.

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Speaker 4: Yeah, people, I think I'm gross, but yeah, like finding

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Speaker 4: someone where you feel comfy, I would, And this is

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Speaker 4: a really good example of values based spending. Our dentist

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Speaker 4: is a little pricier, but I've never felt more comfortable,

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Speaker 4: and they're so good about taking me through and making

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Speaker 4: me feel good that I'm like, you know what, that's

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Speaker 4: worth a bit more money to.

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Speaker 2: Take some convincing as well. I was like, no justice,

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Speaker 2: I promise, just kept thinking like I really need to go,

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Speaker 2: and I literally got to the point where I was like,

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Speaker 2: do you need me to come? Like I will hold

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Speaker 2: your head. And then she went and I think you

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Speaker 2: called me on the way home and you.

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Speaker 6: Were like they're so nice, like it was fun.

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Speaker 2: They're going to do this and now just like getting

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Speaker 2: in disil line and going the whole hole, I'm like, wow,

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Speaker 2: from just wanting to check up to doing a full

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Speaker 2: invisil line journey, I think in visil line sponsorship because

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Speaker 2: that stuff is real spinner. If you want to look

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Speaker 2: about if money losses.

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Speaker 4: I feel like there's a note on my file that

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Speaker 4: literally says she is petrified handle with care.

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Speaker 2: When she comes in, all right, what else have you got?

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Speaker 6: The next one comes from Brianna. Guys, it is a

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Speaker 6: money loss. Taylor Swift announced her new album and Life.

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Speaker 2: When that is an investment, I'm sorry, what do you mean?

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Speaker 6: She said she had to pre order the vinyl and

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Speaker 6: the CD.

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Speaker 4: So yeah, on the same day as the Arctic Monkeys album.

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Speaker 4: Stop it, don't call me, don't talk to me. My

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Speaker 4: calendar says, do not disturb.

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Speaker 2: What She's actually not joking, like, I, yes, my god,

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Speaker 2: all day the first half of the day.

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Speaker 6: Arctic Monkeys.

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Speaker 2: Yeah, And I'm just like you, what's like?

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Speaker 6: That's self care?

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Speaker 2: Baby.

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Speaker 6: Yeah.

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Speaker 2: But in my head, I was like, Oh, she's going

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Speaker 2: to these concerts. No, she's not. She's at home.

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Speaker 5: I'm listening and I'm crying and I'm feeling the feelings.

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Speaker 6: I hope, I hope they're both amazing for you.

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Speaker 2: Don't we approve You'll leave in this office for literally anything.

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Speaker 2: It's all good.

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Speaker 6: The next comes from Georgie money Win. I started collecting

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Speaker 6: containers for return collection two months ago and I did

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Speaker 6: my first drop off today. That's an extra twenty dollars

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Speaker 6: in my savings. Plus I'm helping the environment. Every little

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Speaker 6: bit helps.

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Speaker 2: Hos love this.

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Speaker 6: The next wind comes from Bella money win. I've been

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Speaker 6: dying to couch upgrade for months, but I wasn't financially

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Speaker 6: ready to do so. I happened to be on good

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Speaker 6: karma at the right time and someone was trying to

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Speaker 6: sell a seven thousand dollar couch, but they were sick,

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Speaker 6: no shows and time wasters, so I got it for free.

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Speaker 6: What this is a very hot deal.

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Speaker 2: That's a hot deal.

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Speaker 6: Seven thousand dollars.

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Speaker 2: Seven thousand dollars couch, all right, But let's flip this.

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Speaker 2: Imagine making the circumstance where you're the owner of a

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Speaker 2: seven thousand dollar couch and you're like whatever, I'm in

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Speaker 2: a financial position where if someone can just come get.

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Speaker 4: It, think they must look good tree by a lot

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Speaker 4: of people to get Yeah, well.

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Speaker 6: I'm seven thousand dollars down the drain.

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Speaker 2: Please DMS pictures of the couch on me to see yes,

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Speaker 2: please please.

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Speaker 6: The next wind comes from Emma Kate money win. I

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Speaker 6: got a ten percent pay rise at the job. I've

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Speaker 6: only been out for six months. Money not bad. And

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Speaker 6: the last one for the day comes from Ainsley. It

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Speaker 6: is the ultimate money win. She writes, today I received

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Speaker 6: a verbal offer for a role in another state that

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Speaker 6: pays thirty three thousand dollars more than my current role.

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Speaker 2: Oh what alleg you.

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Speaker 6: I'm still in shock. But now it's time to plan

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Speaker 6: the big solo move.

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Speaker 2: Oh my gosh, I want to know what she's doing.

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Speaker 2: You guys need to give me way more info on

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Speaker 2: these money wins, Like I want your life story, you

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Speaker 2: know how some people like get to the point. I'm like, no, no, no,

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Speaker 2: I want to know where you grew up and what

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Speaker 2: your dog's name was, and then what was your money winn? Again?

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Speaker 6: Oh that's it for the week.

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Speaker 2: That's it for that week. Oh my gosh, Well, Georgia King,

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Speaker 2: it has been a fantastic celebrating some of your budget

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Speaker 2: direct money wins. Budget Direct winner of Canstares Insurer of

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Speaker 2: the Year Award twenty twenty two. Budget Direct Insurance Solved.

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Speaker 2: Let's go to a really quick break and after that

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Speaker 2: we are going to answer some spicy questions about sharing

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Speaker 2: property potentially with your partner. Don't go anywhere, all.

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Speaker 4: Right, guys, Today I have some local news Victorian news.

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Speaker 4: Apologies for our friends in other states, but it does

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Speaker 4: come into a broader conversation, so please don't turn off.

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Speaker 4: I wanted to talk about this announcement that came out

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Speaker 4: from a Victorian government all about covering hex stet, which

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Speaker 4: is really exciting, and so we've spoken about many many

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Speaker 4: times on the podcast.

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Speaker 2: With my six figures of hex step, my ears pricked

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Speaker 2: straight up.

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Speaker 4: Yeah, and unfortunately not for you. No, but we know

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Speaker 4: that there's a real skills shortage in the health care sector.

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Speaker 4: Our our care workers have been absolutely slammed through COVID.

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Speaker 4: People are exiting that industry at incredibly high rates, understandably,

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Speaker 4: so I think to kind of encourage people to get

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Speaker 4: back in to get new blood. The Victorian government has

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Speaker 4: announced that they will be covering the full cost of

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Speaker 4: hextet for more than ten thousand students who are studying

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Speaker 4: nursing or midwifree undergraduate degrees, which ten that's a lot

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Speaker 4: of hextet to be paid ten thousand. If you think

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Speaker 4: about what the average HEXTET is maybe ten grand a year.

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Speaker 5: Yeah, yeah, call it.

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Speaker 4: Call it like Ballpark's thirty grand times ten thousand.

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Speaker 6: You've lost me.

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Speaker 5: That's too many zeries for my head. I can't do it.

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Speaker 4: But that's a lot of money, and they're obviously aiming

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Speaker 4: at getting that sector back up, aiming at getting us,

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Speaker 4: you know, the infrastructure all set up so that, Heaven's forbid,

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Speaker 4: if anything were to happen again, we're a little bit

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Speaker 4: more prepared, if you will.

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Speaker 2: I just googled it. Guys, an average undergraduate degree in

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Speaker 2: nursing here in Australia will cost you anywhere between twenty

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Speaker 2: and thirty five thousand dollars. Yeah, total, Like, that's lots.

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Speaker 4: It's lots of money, and I think it's really great

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Speaker 4: that they're prioritizing that. But it's opened up the conversation

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Speaker 4: and this is kind of where it gets broader, bringing

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Speaker 4: in our interstate friends back into the fold. I've seen

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Speaker 4: a lot of discourse from people saying, well, I'm halfway

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Speaker 4: through my nursing degree, why isn't my thing being And firstly,

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Speaker 4: I get it. You know, it's like when you buy

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Speaker 4: a bag and then two days later the bag goes

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Speaker 4: on sale and you go, well, I've missed out, and

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Speaker 4: you know, in that instance, I would take the bag

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Speaker 4: back and be like can I get the discount?

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Speaker 5: And maybe I would.

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Speaker 4: Can't really do that with your degree, though, And so

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Speaker 4: a lot of people have been kind of a little

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Speaker 4: bit upset, a little bit offended because they have done

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Speaker 4: nursing previously or they've just started, and for whatever reason,

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Speaker 4: the scheme isn't going to cover them. And I don't

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Speaker 4: even know if ten thousand would cover every single student,

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Speaker 4: let's say next year.

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Speaker 5: I'm sure that there probably will be people who miss out.

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Speaker 4: And I wanted to talk to you and get your

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Speaker 4: thoughts on it, because I guess it's that concept of

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Speaker 4: if someone else receives something that you don't, the impact

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Speaker 4: that that has on you and how you feel. And

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Speaker 4: we saw this mirroad in the US when they forgave

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Speaker 4: student loans or announced that they would be for giving

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Speaker 4: student loans because a lot of people said, well, I

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Speaker 4: paid for my university degree and why should your loans

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Speaker 4: be forgiven?

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Speaker 5: And might not?

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Speaker 4: And I get it, like I get that it's kind

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Speaker 4: of crappy to see someone get a financial windfall, you know,

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Speaker 4: for someone like UbD, like you've got six figures of

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Speaker 4: Texter and that's kind of sucky. But should we be

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Speaker 4: kind of looking at this and going, you know what,

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Speaker 4: Sunnyside up ten thousand more nurses in an industry that

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Speaker 4: is so important to us, and that we're so lucky

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Speaker 4: to have really great healthcare systems. Is that a good thing?

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Speaker 4: How do we deal with those feelings? Because I would

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Speaker 4: say it's understandable if you are feeling a bit pissed off,

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Speaker 4: but like, how do we process those in a positive way?

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Speaker 2: I have three opinions to share.

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Speaker 5: That's a lot of a play.

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Speaker 2: Yeah, three three three, only probably more, let's be honest,

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Speaker 2: because once I get on the roll, I'll be like, oh,

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Speaker 2: and and first, why is it new people signing up?

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Speaker 2: Why isn't it the next ten thousand people to graduate

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Speaker 2: having their HEX step wiped? Why isn't it that? Because

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Speaker 2: I just don't understand why. I'd be like, oh, gee,

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Speaker 2: it's free, go sign up for it, and then you

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Speaker 2: finish half the degree. Go finish the degree, put it

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Speaker 2: all on your HEX and once you graduate, you submit

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Speaker 2: the form and you get it all wiped. To me,

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Speaker 2: that makes more sense because you're a legit nurse. You

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Speaker 2: would have gone through placement and actually gone through all

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Speaker 2: of it. I know that that's probably going to be

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Speaker 2: controversial because you're like, why would you want people who

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00:16:48,120 --> 00:16:49,800
Speaker 2: are dropping out having to pay for it? And that

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Speaker 2: would then go back to me being like your values,

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00:16:52,080 --> 00:16:54,600
Speaker 2: you need to actually know what you want to do.

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Speaker 2: And I genuinely believe in having gap years and not

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Speaker 2: going into a degree that you're not one hundred percent

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Speaker 2: certain on yet. But I would think it should be

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Speaker 2: the next ten thousand people going through, not the next

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Speaker 2: ten thousand people who sign up, because you're right, Jes,

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00:17:09,600 --> 00:17:13,160
Speaker 2: people are already doing nursing that could benefit them now. Second,

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00:17:13,400 --> 00:17:17,240
Speaker 2: pay nurses and literally all hospital staff better. Like, why

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Speaker 2: are we forgiving hex step when you could allocate that

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Speaker 2: towards paying our nurses and our frontline worker is more money?

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Speaker 2: Why are we not talking about reallocating tax dollars to

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Speaker 2: paying people for looking after us.

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Speaker 6: What is the answer to that being?

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00:17:31,760 --> 00:17:32,040
Speaker 1: Wow?

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00:17:32,080 --> 00:17:33,680
Speaker 6: Why why are they chosen this stance.

402
00:17:33,480 --> 00:17:36,919
Speaker 2: Because it's the cheaper option. Education in Australia used to

403
00:17:36,920 --> 00:17:39,520
Speaker 2: be free, Like I could not be in any debt.

404
00:17:39,600 --> 00:17:42,560
Speaker 2: I'm grateful to be in hex Step because I genuinely

405
00:17:42,560 --> 00:17:45,119
Speaker 2: feel like it puts me in a better position and

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Speaker 2: it puts me ahead, and I have chosen to do that.

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00:17:48,200 --> 00:17:50,760
Speaker 2: But that's a privilege that is not extended to absolutely

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Speaker 2: everybody in our community. And I think that the ballpark

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00:17:54,000 --> 00:17:57,119
Speaker 2: would change if universities weren't something that we had to

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Speaker 2: pay for. There are lots of places around the world

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00:17:59,480 --> 00:18:02,080
Speaker 2: that do free education. Obviously America is not one of them.

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00:18:02,160 --> 00:18:04,320
Speaker 2: That's really hard, but I just think there are so

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00:18:04,400 --> 00:18:07,479
Speaker 2: many things that we could do. Ten thousand nurses like, okay,

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Speaker 2: I bloody love nurses. You guys do so many beautiful things.

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00:18:11,480 --> 00:18:13,520
Speaker 2: You are a better human than I ever will be

416
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Speaker 2: because I cannot do that job, like it would exhaust me.

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00:18:17,400 --> 00:18:19,160
Speaker 2: But I just think that they should be paid better,

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Speaker 2: and that's the priority from my perspective, not you know,

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Speaker 2: forgiving a hex step so that they can go and

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Speaker 2: get paid, not enough to get a mortgage. It's just

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Speaker 2: not fair.

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00:18:28,160 --> 00:18:31,080
Speaker 6: Tell us more about this. Just when's it coming into play?

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00:18:31,119 --> 00:18:32,720
Speaker 6: What's the deal? Just tell us more so.

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Speaker 4: Under the current plan, all new domestic students that enroll

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Speaker 4: in nursing all Midway three in twenty twenty three and

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Speaker 4: twenty twenty four will receive a scholarship up to sixteen thousand,

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00:18:41,840 --> 00:18:45,680
Speaker 4: five hundred dollars to cover course costs. Students will get

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Speaker 4: nine thousand dollars over the duration of their course, and

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00:18:48,600 --> 00:18:51,119
Speaker 4: then the remaining seven thousand five hundred will be paid

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Speaker 4: if they work in the public health service for two years.

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Speaker 4: They're incentivizing people to start.

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Speaker 2: Actually stay okay, I like that. Maybe you shouldn't have

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Speaker 2: let me have an opinion so early on.

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Speaker 4: They also have offered assistance to people studying post grad

435
00:19:03,640 --> 00:19:08,920
Speaker 4: studies in these areas, so intensive care, pediatrics, nurse practitioner specialties,

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00:19:09,240 --> 00:19:11,600
Speaker 4: and things like that. They will be giving out ten

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00:19:11,680 --> 00:19:15,240
Speaker 4: thousand dollars scholarships and eleven thousand dollars scholarships will be

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00:19:15,240 --> 00:19:19,359
Speaker 4: available for enrolled nurses to become registered nurses. So it

439
00:19:19,400 --> 00:19:21,240
Speaker 4: covers off on a few different things. There's a few

440
00:19:21,280 --> 00:19:25,239
Speaker 4: I guess working parts there, but I think overall it's

441
00:19:25,280 --> 00:19:27,160
Speaker 4: great to see in supporting I think you're totally right

442
00:19:27,240 --> 00:19:29,879
Speaker 4: that perhaps it would have been even better to see,

443
00:19:30,440 --> 00:19:32,800
Speaker 4: you know, the award lifted across the board so that

444
00:19:33,000 --> 00:19:37,160
Speaker 4: everybody could benefit. But I is something better than nothing

445
00:19:37,200 --> 00:19:38,840
Speaker 4: in this situation. I guess it's the question.

446
00:19:39,440 --> 00:19:42,240
Speaker 6: I think that's really true. Just it's nice, Like, obviously

447
00:19:42,240 --> 00:19:44,119
Speaker 6: we're going to nitpick, and it's our role to do

448
00:19:44,280 --> 00:19:46,600
Speaker 6: so we're a finance podcast, but it is nice to

449
00:19:46,640 --> 00:19:49,960
Speaker 6: celebrate the small wins like this is huge For me,

450
00:19:50,600 --> 00:19:52,600
Speaker 6: I would ask the question of, like, where do you

451
00:19:52,720 --> 00:19:55,920
Speaker 6: draw the line in terms of I'm sure there's people

452
00:19:55,960 --> 00:19:58,240
Speaker 6: listening that are in other industries that are feeling like, well,

453
00:19:58,480 --> 00:20:01,280
Speaker 6: why do I have a fifty grand it for not

454
00:20:01,400 --> 00:20:05,720
Speaker 6: doing that degree? And also will it encourage people that

455
00:20:06,359 --> 00:20:08,720
Speaker 6: aren't the right people for that industry.

456
00:20:08,359 --> 00:20:10,080
Speaker 2: To pursue that industry because of.

457
00:20:10,240 --> 00:20:13,800
Speaker 6: Because it's more more respect affordable option. Correct, So what

458
00:20:13,840 --> 00:20:16,760
Speaker 6: do you guys make of that? Because nurses are like

459
00:20:16,800 --> 00:20:19,440
Speaker 6: the most special people that there are, and if people

460
00:20:19,480 --> 00:20:22,680
Speaker 6: are allured to it for the financial gains, is that

461
00:20:22,840 --> 00:20:23,960
Speaker 6: necessarily the right thing.

462
00:20:24,119 --> 00:20:26,280
Speaker 4: I'd be interested to see what happens. And I guess

463
00:20:26,359 --> 00:20:28,119
Speaker 4: maybe this is where you get that upfront and then

464
00:20:28,119 --> 00:20:32,639
Speaker 4: that secondary coverage, because nursing, I would imagine, is a

465
00:20:32,720 --> 00:20:36,639
Speaker 4: very intensive course, Like I don't think if you're not

466
00:20:36,680 --> 00:20:38,320
Speaker 4: cut out for it, I think would be quite hard

467
00:20:38,760 --> 00:20:41,400
Speaker 4: to make it through that course because there's so much

468
00:20:41,480 --> 00:20:45,359
Speaker 4: practical experience required before you go into the field. So

469
00:20:45,400 --> 00:20:48,399
Speaker 4: you would hope that that would kind of weed you know,

470
00:20:48,440 --> 00:20:51,120
Speaker 4: anyone maybe who wasn't ideal out, But then I don't

471
00:20:51,160 --> 00:20:52,800
Speaker 4: know how that works because obviously there's not a great

472
00:20:52,840 --> 00:20:54,840
Speaker 4: return on the government's investment if people are, you know,

473
00:20:54,960 --> 00:20:57,240
Speaker 4: leaving the course and not becoming nurses. So I don't

474
00:20:57,240 --> 00:20:59,400
Speaker 4: really know how that would work. I guess the point

475
00:20:59,400 --> 00:21:01,720
Speaker 4: you made about people in other industries because there are

476
00:21:01,840 --> 00:21:06,120
Speaker 4: absolutely other industries that work incredibly hard and providing credible value. Yeah,

477
00:21:06,119 --> 00:21:07,679
Speaker 4: and that's kind of like the thing that I was

478
00:21:07,720 --> 00:21:10,480
Speaker 4: touching on before is it is really sucky, And I

479
00:21:10,480 --> 00:21:12,480
Speaker 4: guess it's I want to say, it's okay to feel

480
00:21:12,520 --> 00:21:14,159
Speaker 4: like it's sucky and to be a bit sad and

481
00:21:14,200 --> 00:21:17,640
Speaker 4: to be a bit annoyed, but also trying to remember

482
00:21:17,800 --> 00:21:22,119
Speaker 4: that this outcome is aimed at improving the lives of everyone.

483
00:21:22,160 --> 00:21:25,240
Speaker 4: It's aimed at stabilizing our healthcare system, which at some

484
00:21:25,359 --> 00:21:27,800
Speaker 4: point all of us will need to rely on, and

485
00:21:27,800 --> 00:21:30,480
Speaker 4: that's a good thing. But also like I get it,

486
00:21:30,520 --> 00:21:32,280
Speaker 4: like I get that it's shitty because everyone would like

487
00:21:32,320 --> 00:21:33,840
Speaker 4: a free education, right.

488
00:21:34,320 --> 00:21:38,639
Speaker 2: I agree, But maybe again controversial opinion. I think that,

489
00:21:39,240 --> 00:21:42,480
Speaker 2: you know, if I was Prime Minister, I think all

490
00:21:42,480 --> 00:21:45,360
Speaker 2: frontline workers should get free education. Like you guys are

491
00:21:45,400 --> 00:21:48,440
Speaker 2: coming in contact with the public to put our community

492
00:21:48,480 --> 00:21:51,520
Speaker 2: in a safer, better position. Like I just think that,

493
00:21:51,960 --> 00:21:55,040
Speaker 2: you know, I have been so lucky to be able

494
00:21:55,040 --> 00:21:57,679
Speaker 2: to study finance and go do a business degree. But

495
00:21:57,800 --> 00:22:01,720
Speaker 2: that's me pursuing my passion that you know is arguably

496
00:22:01,720 --> 00:22:03,840
Speaker 2: a bit self serving. Like it is me going I'm

497
00:22:03,840 --> 00:22:05,919
Speaker 2: passionate about this, I'm going to follow that. If you're

498
00:22:05,960 --> 00:22:08,800
Speaker 2: a nurse, if you're a doctor, if you're a PSA,

499
00:22:08,880 --> 00:22:12,280
Speaker 2: if you're an early childhood educator, like you are thinking

500
00:22:12,280 --> 00:22:14,840
Speaker 2: about the needs of other people to begin with, you

501
00:22:14,920 --> 00:22:17,359
Speaker 2: are doing your job for the greater good of the community.

502
00:22:17,400 --> 00:22:20,639
Speaker 2: And I think it puts our country and our community

503
00:22:20,680 --> 00:22:23,560
Speaker 2: in an even better position. Like people go into the

504
00:22:23,560 --> 00:22:26,480
Speaker 2: police force and they're firefighters and their ambos and their

505
00:22:26,560 --> 00:22:29,680
Speaker 2: nurses and their PSAs and their childcare workers, and I

506
00:22:30,680 --> 00:22:33,800
Speaker 2: just think that that type of career decision should be

507
00:22:33,880 --> 00:22:37,880
Speaker 2: rewarded because it benefits our society as a whole. It's

508
00:22:37,920 --> 00:22:41,320
Speaker 2: not something that, you know, again, very self serving. But

509
00:22:41,440 --> 00:22:43,879
Speaker 2: I did my degrees because I was following my passions.

510
00:22:44,080 --> 00:22:46,240
Speaker 2: I obviously want to have an impact, and like that's

511
00:22:46,280 --> 00:22:50,120
Speaker 2: what drives me. I'm so wildly passionate about putting women

512
00:22:50,160 --> 00:22:52,359
Speaker 2: in a better position. But I would argue I'm not

513
00:22:52,400 --> 00:22:54,320
Speaker 2: a frontline healthcare worker, and Jess, you and I have

514
00:22:54,359 --> 00:22:57,040
Speaker 2: had this conversation before where we're like, we're so grateful

515
00:22:57,040 --> 00:22:59,159
Speaker 2: for our jobs. Like if we've got our periods and

516
00:22:59,400 --> 00:23:01,440
Speaker 2: want to go all up with a heat pack in

517
00:23:01,520 --> 00:23:04,400
Speaker 2: bed and work from bed, we've got that flexibility. You're

518
00:23:04,400 --> 00:23:07,000
Speaker 2: a nurse, you can't do that. You have any type

519
00:23:07,000 --> 00:23:11,640
Speaker 2: of frontline working job. You cannot let your personal needs

520
00:23:11,920 --> 00:23:15,199
Speaker 2: outweigh the need to do your job and fulfill an outcome, right, Like,

521
00:23:15,400 --> 00:23:18,800
Speaker 2: I just think those roles are so super special. I

522
00:23:18,840 --> 00:23:21,600
Speaker 2: do think you deserve a free education above and beyond me.

523
00:23:21,680 --> 00:23:23,760
Speaker 2: Who was someone who just followed my passion? And if

524
00:23:23,840 --> 00:23:26,679
Speaker 2: nursing is your passion, great, but it's what benefits the

525
00:23:26,720 --> 00:23:29,280
Speaker 2: community and I think that that should come into play

526
00:23:29,320 --> 00:23:32,880
Speaker 2: when this conversation is being had. But again, personal opinion,

527
00:23:33,040 --> 00:23:36,320
Speaker 2: probably an opinion not everybody agrees with, but we need

528
00:23:36,359 --> 00:23:38,320
Speaker 2: these people to make our world go around, and over

529
00:23:38,320 --> 00:23:40,399
Speaker 2: the last three years we really learned that.

530
00:23:40,480 --> 00:23:43,600
Speaker 6: So much in that conversation. Ladies. Maybe it's a blog post.

531
00:23:43,640 --> 00:23:45,680
Speaker 6: I don't know, we'll see, but for now, I think

532
00:23:45,680 --> 00:23:50,760
Speaker 6: it's time to listen to today's money dilemma. Let's go, Hi, there,

533
00:23:51,160 --> 00:23:53,639
Speaker 6: have you got a money dilemma? You just can't solve that.

534
00:23:53,720 --> 00:23:56,240
Speaker 6: She's on the Money Team is here to help. Every

535
00:23:56,240 --> 00:23:58,840
Speaker 6: week we tackle your dilemmas, both big and small, to

536
00:23:58,880 --> 00:24:02,560
Speaker 6: answer your most burning money, career and life questions. To

537
00:24:02,600 --> 00:24:05,040
Speaker 6: get involved, simply head to our website and leave us

538
00:24:05,040 --> 00:24:07,240
Speaker 6: a quick voice recording and you may just find yourself

539
00:24:07,240 --> 00:24:09,880
Speaker 6: on the show. Now, let's take a listen to today's

540
00:24:09,880 --> 00:24:10,520
Speaker 6: money dilemma.

541
00:24:11,960 --> 00:24:14,359
Speaker 7: Hey guys, just a brief summary. Me and my partner

542
00:24:14,400 --> 00:24:17,320
Speaker 7: have been together for five years. He's got an investment

543
00:24:17,359 --> 00:24:19,920
Speaker 7: property and plans to build a granny flat on the back.

544
00:24:20,320 --> 00:24:23,080
Speaker 7: When we've been communicating out about our future recently, he's

545
00:24:23,080 --> 00:24:25,160
Speaker 7: told me that he doesn't want to have my name

546
00:24:25,320 --> 00:24:29,200
Speaker 7: in that property because he's made it himself. Is that

547
00:24:29,400 --> 00:24:32,159
Speaker 7: okay to have separate investments? And how important is it

548
00:24:32,200 --> 00:24:35,560
Speaker 7: to have that traditional split mortgage just because it's different

549
00:24:35,560 --> 00:24:37,760
Speaker 7: to norms of society? Does that make it wrong? And

550
00:24:37,800 --> 00:24:39,400
Speaker 7: should I be grateful that I don't have to pay

551
00:24:39,400 --> 00:24:41,560
Speaker 7: for much? But that means that things won't be my name?

552
00:24:42,200 --> 00:24:43,919
Speaker 7: And if I am to do an investment property in

553
00:24:43,960 --> 00:24:46,040
Speaker 7: my own, like, how do I start? And what does

554
00:24:46,080 --> 00:24:48,439
Speaker 7: that look like for me? And yeah, I guess is

555
00:24:48,440 --> 00:24:50,920
Speaker 7: that normal to have it separate or okay.

556
00:24:51,000 --> 00:24:54,119
Speaker 2: You're right, interesting one that my loves, but one that

557
00:24:54,200 --> 00:24:56,520
Speaker 2: I think you guys are maybe a little bit better

558
00:24:56,600 --> 00:25:00,040
Speaker 2: versed in responding to, because Jess.

559
00:25:00,200 --> 00:25:01,639
Speaker 5: Yes, talk to me.

560
00:25:02,680 --> 00:25:02,880
Speaker 1: Yeah.

561
00:25:02,920 --> 00:25:06,040
Speaker 4: Look, there's really two elements to this question. Firstly, she's asking,

562
00:25:06,480 --> 00:25:08,280
Speaker 4: is it a red flag that he doesn't want to

563
00:25:08,280 --> 00:25:10,400
Speaker 4: put my name on it? Is that problematic? And then

564
00:25:10,520 --> 00:25:12,240
Speaker 4: she's kind of asking, well, what does that look like

565
00:25:12,280 --> 00:25:15,119
Speaker 4: for me if we do do things independently. So to

566
00:25:15,160 --> 00:25:17,800
Speaker 4: answer the first question, I personally don't think it's a

567
00:25:17,800 --> 00:25:19,639
Speaker 4: red flag at all. In fact, that's exactly what I

568
00:25:19,680 --> 00:25:20,880
Speaker 4: plan on doing when I buy that.

569
00:25:20,880 --> 00:25:24,119
Speaker 2: That's why I mean, it's a red flag if you

570
00:25:24,119 --> 00:25:25,440
Speaker 2: had to pay for it and then you don't get

571
00:25:25,440 --> 00:25:27,680
Speaker 2: your name on it. With like, there probably a few

572
00:25:27,720 --> 00:25:28,760
Speaker 2: caveats here.

573
00:25:28,800 --> 00:25:31,040
Speaker 4: And this is like the thing right and you know,

574
00:25:31,119 --> 00:25:33,760
Speaker 4: I'm not buying an investment property all we hopefully occupying

575
00:25:33,760 --> 00:25:36,040
Speaker 4: a property one day soon. But the thing here is

576
00:25:36,280 --> 00:25:38,679
Speaker 4: he has done this on his own, He's purchased it

577
00:25:38,720 --> 00:25:41,200
Speaker 4: by himself. And I guess we don't have all of

578
00:25:41,240 --> 00:25:43,560
Speaker 4: the details. In a sense, if we don't know is

579
00:25:43,600 --> 00:25:45,520
Speaker 4: she living there, is she not living there? I'm assume

580
00:25:45,520 --> 00:25:47,600
Speaker 4: if it's an investment, she's not. You know, if they're

581
00:25:47,600 --> 00:25:49,399
Speaker 4: putting the granny flat on the back, are they planning

582
00:25:49,440 --> 00:25:51,199
Speaker 4: on living in the granny flat? If so, will she

583
00:25:51,280 --> 00:25:53,720
Speaker 4: be contributing financially? You need to know all of that out.

584
00:25:54,000 --> 00:25:56,359
Speaker 4: But I think that if someone has worked to do something,

585
00:25:56,359 --> 00:25:58,600
Speaker 4: and I guess I'll use myself as an example here,

586
00:25:58,960 --> 00:26:01,080
Speaker 4: I plan on buying a house by myself for weeen

587
00:26:01,200 --> 00:26:03,800
Speaker 4: behavior thank you snaps for me, but I'm in the

588
00:26:03,840 --> 00:26:05,959
Speaker 4: position financially to do so. My partner is still studying.

589
00:26:06,000 --> 00:26:06,959
Speaker 4: It just is what makes sense.

590
00:26:07,040 --> 00:26:08,480
Speaker 2: It just makes sense for your situation.

591
00:26:08,640 --> 00:26:11,119
Speaker 4: Correct that The conversation that we have had and that

592
00:26:11,160 --> 00:26:13,560
Speaker 4: I've spoken about on the pod before is that, well,

593
00:26:13,840 --> 00:26:15,840
Speaker 4: I'm so happy to do that, and you know, we

594
00:26:15,920 --> 00:26:17,880
Speaker 4: will live there, and we've kind of had to work

595
00:26:17,920 --> 00:26:21,080
Speaker 4: out what that model looks like. And ultimately he will contribute,

596
00:26:21,119 --> 00:26:24,080
Speaker 4: I guess, rent, but I will be responsible for the

597
00:26:24,119 --> 00:26:27,600
Speaker 4: costs of the house, like the rates and the ownership costs,

598
00:26:27,600 --> 00:26:29,720
Speaker 4: so for him it will be like he's renting as

599
00:26:29,760 --> 00:26:32,879
Speaker 4: he is currently. And that's because I wanted to really

600
00:26:32,960 --> 00:26:36,600
Speaker 4: clearly draw those lines in the sand and be like God, forbid.

601
00:26:36,600 --> 00:26:39,320
Speaker 4: If anything goes wrong, I want it to be very

602
00:26:39,359 --> 00:26:41,840
Speaker 4: clear that this thing that I have worked my butt.

603
00:26:41,640 --> 00:26:45,480
Speaker 2: Off to do is is because that's really fair because

604
00:26:45,480 --> 00:26:48,160
Speaker 2: if the flip, like, let's pretend you grow old together,

605
00:26:48,720 --> 00:26:50,760
Speaker 2: what's that matter if you had that conversation and he

606
00:26:50,880 --> 00:26:53,040
Speaker 2: was just paying rent that whole time, like that asset's

607
00:26:53,080 --> 00:26:56,119
Speaker 2: benefiting him in the long term. Yeah, and then thank you, ma'am.

608
00:26:56,280 --> 00:26:58,520
Speaker 2: The reason you're structuring it that way is if one

609
00:26:58,600 --> 00:27:01,960
Speaker 2: day something happens, you don't end up having worked your

610
00:27:01,960 --> 00:27:04,160
Speaker 2: butt off to own a house that somebody else didn't

611
00:27:04,200 --> 00:27:06,040
Speaker 2: work their butt off for and then they have half

612
00:27:06,080 --> 00:27:06,480
Speaker 2: of And.

613
00:27:06,440 --> 00:27:09,159
Speaker 4: It sounds like that in this situation, our listener is

614
00:27:09,200 --> 00:27:10,960
Speaker 4: on the other side of the table. This listener is

615
00:27:11,200 --> 00:27:13,040
Speaker 4: my partner, do you know what I mean? So, like,

616
00:27:13,080 --> 00:27:15,239
Speaker 4: he's worked his butt off to have this asset and

617
00:27:15,280 --> 00:27:17,119
Speaker 4: he wants to protect that, and I think that is

618
00:27:17,200 --> 00:27:20,080
Speaker 4: very okay. I think that they're doing the right thing

619
00:27:20,200 --> 00:27:22,880
Speaker 4: in having the conversations about it. Now. That's really kind

620
00:27:23,480 --> 00:27:25,560
Speaker 4: because you know, you both have to be comfortable with

621
00:27:25,640 --> 00:27:27,479
Speaker 4: it ultimately. I think it would be very different if

622
00:27:27,520 --> 00:27:29,720
Speaker 4: he had said, hey, like I have bought this property

623
00:27:30,000 --> 00:27:31,639
Speaker 4: and I want to renovate it, and I want you

624
00:27:31,720 --> 00:27:33,960
Speaker 4: to pay half the money for the renovations, because then

625
00:27:34,040 --> 00:27:38,520
Speaker 4: she has absolutely investment, and that's a different story to

626
00:27:38,560 --> 00:27:40,399
Speaker 4: get to. I guess the other part of the question,

627
00:27:40,920 --> 00:27:43,040
Speaker 4: what does she do? You do it like a single,

628
00:27:43,080 --> 00:27:46,200
Speaker 4: independent lady, like you plan to do it by yourself.

629
00:27:46,600 --> 00:27:48,920
Speaker 4: If you purchase it by yourself, and I'm obviously not

630
00:27:49,000 --> 00:27:51,560
Speaker 4: a mortgage broker, definitely talk to one. But if you're

631
00:27:51,560 --> 00:27:53,679
Speaker 4: purchasing by yourself and you're not on the name of

632
00:27:53,720 --> 00:27:56,320
Speaker 4: his property and you haven't been involved in another purchase,

633
00:27:56,760 --> 00:27:59,639
Speaker 4: you are eligible for all of the you know, whatever

634
00:27:59,720 --> 00:28:03,240
Speaker 4: scheme or guarantees you fit the criteria for. So, for example,

635
00:28:03,280 --> 00:28:05,919
Speaker 4: the first home Buyers scheme alone or whatever it is,

636
00:28:06,359 --> 00:28:08,240
Speaker 4: you can qualify for that, whereas if she was to

637
00:28:08,240 --> 00:28:11,000
Speaker 4: go on his property, she would be excluded. So there

638
00:28:11,000 --> 00:28:13,560
Speaker 4: are benefits in that sense. Obviously, it's harder because you

639
00:28:14,119 --> 00:28:16,720
Speaker 4: are getting alone as a single person, which, as I

640
00:28:16,760 --> 00:28:17,360
Speaker 4: have found.

641
00:28:17,160 --> 00:28:18,359
Speaker 2: Out Page Challenge.

642
00:28:18,840 --> 00:28:21,800
Speaker 4: Yeah, it can be really hard, but like you kind

643
00:28:21,840 --> 00:28:25,280
Speaker 4: of just do the thing as you would in a couple,

644
00:28:25,320 --> 00:28:25,959
Speaker 4: but by yourself.

645
00:28:26,040 --> 00:28:29,520
Speaker 2: Does that make sense, Yeah, Look, it makes total sense.

646
00:28:29,600 --> 00:28:31,320
Speaker 2: And to be honest, if we take away the fact

647
00:28:31,359 --> 00:28:33,040
Speaker 2: that you're not going to own it because it's actually

648
00:28:33,080 --> 00:28:36,439
Speaker 2: not yours anyway as a detrimental thing. Here we go,

649
00:28:36,520 --> 00:28:39,240
Speaker 2: it actually benefits you, you know, Jess. Let's use your

650
00:28:39,320 --> 00:28:42,200
Speaker 2: situation as a good example. Now, James is still unique,

651
00:28:42,200 --> 00:28:44,040
Speaker 2: doesn't make sense to him to buy, hasn't had the

652
00:28:44,040 --> 00:28:46,400
Speaker 2: same capacity and full time employment that you have, which

653
00:28:46,440 --> 00:28:48,720
Speaker 2: means you're going to buy in the future. If you

654
00:28:48,760 --> 00:28:50,160
Speaker 2: and James are like, do you know what we do

655
00:28:50,200 --> 00:28:52,560
Speaker 2: want to buy a family home? You've got that asset

656
00:28:52,600 --> 00:28:55,600
Speaker 2: in the background that you could use equity in to

657
00:28:55,680 --> 00:28:59,040
Speaker 2: buy a family home together. So in the future, James,

658
00:28:59,120 --> 00:29:01,400
Speaker 2: your partner could just decide to go and buy his

659
00:29:01,440 --> 00:29:03,560
Speaker 2: own property, do his own thing, which you'd be more

660
00:29:03,560 --> 00:29:05,480
Speaker 2: than okay with. But if you guys go, oh, we

661
00:29:05,520 --> 00:29:07,240
Speaker 2: want to buy another house, but this time we want

662
00:29:07,240 --> 00:29:10,000
Speaker 2: to do it together, that actually benefits you because it's

663
00:29:10,000 --> 00:29:12,280
Speaker 2: an asset you can lend against obviously with your full

664
00:29:12,280 --> 00:29:15,240
Speaker 2: consent if you wanted to use that. But that means one, Jess,

665
00:29:15,280 --> 00:29:17,360
Speaker 2: you don't have to save up a whole new deposit

666
00:29:17,400 --> 00:29:19,760
Speaker 2: because there hopefully will be equity in the property that

667
00:29:19,800 --> 00:29:23,040
Speaker 2: you own to use. But also benefits James because that

668
00:29:23,160 --> 00:29:26,719
Speaker 2: security against that future purchase, that puts him ahead and

669
00:29:26,720 --> 00:29:29,680
Speaker 2: puts him in a more secure financial position. So I

670
00:29:29,720 --> 00:29:32,120
Speaker 2: think it's not a bad thing. I think it's really

671
00:29:32,120 --> 00:29:34,920
Speaker 2: beautiful to have these open, honest conversations. But I think

672
00:29:34,920 --> 00:29:36,920
Speaker 2: it's also like, well, George, if you're going to go

673
00:29:36,960 --> 00:29:39,040
Speaker 2: buy a house and I had nothing to do with it,

674
00:29:39,120 --> 00:29:41,840
Speaker 2: like I shouldn't want to lay claim to that, And

675
00:29:41,880 --> 00:29:44,360
Speaker 2: I think it's you know, not that our listener is

676
00:29:44,560 --> 00:29:46,280
Speaker 2: in any way, shape or form doing this. I could

677
00:29:46,280 --> 00:29:48,320
Speaker 2: tell she wasn't by her tone of voice. I don't

678
00:29:48,360 --> 00:29:49,920
Speaker 2: think she was like, Okay, well, when I break up

679
00:29:49,960 --> 00:29:52,240
Speaker 2: with him, I won half his property. But that's basically

680
00:29:52,280 --> 00:29:54,360
Speaker 2: what he's trying to protect against. And I think that's

681
00:29:54,440 --> 00:29:57,160
Speaker 2: so fair because I've said it a million times. Not

682
00:29:57,280 --> 00:30:00,880
Speaker 2: every relationship is guaranteed. And here in Australia, fifty percent

683
00:30:00,920 --> 00:30:03,840
Speaker 2: of marriages and in divorce, so you can never be certain,

684
00:30:04,200 --> 00:30:06,640
Speaker 2: like you don't get married with the intention of getting

685
00:30:06,640 --> 00:30:09,160
Speaker 2: a divorce because that stuff is expensive. I can tell

686
00:30:09,200 --> 00:30:11,280
Speaker 2: you right now, and I'm not even married yet. But

687
00:30:11,400 --> 00:30:14,200
Speaker 2: I just think it's such an interesting conversation because it

688
00:30:14,280 --> 00:30:18,080
Speaker 2: can feel really personal, like oh, you don't want me involved, Jess. Yeah,

689
00:30:18,160 --> 00:30:20,000
Speaker 2: oh you don't want me to be on your thing.

690
00:30:20,120 --> 00:30:22,720
Speaker 2: It's actually not a personal thing. It's actually then putting

691
00:30:22,760 --> 00:30:25,240
Speaker 2: themselves in the best possible position. I think that's really healthy.

692
00:30:25,360 --> 00:30:27,040
Speaker 6: Yeah, and that in turn puts you in the best

693
00:30:27,080 --> 00:30:30,240
Speaker 6: possible position. I think just yet to add it to that, Vie,

694
00:30:30,240 --> 00:30:31,920
Speaker 6: which is exactly what you were saying. You just need

695
00:30:31,960 --> 00:30:33,920
Speaker 6: to take the emotion out of it. This doesn't mean

696
00:30:33,960 --> 00:30:36,080
Speaker 6: that he doesn't see a future with you or anything

697
00:30:36,360 --> 00:30:38,960
Speaker 6: like that. He's just protecting himself, which is exactly what

698
00:30:39,000 --> 00:30:41,240
Speaker 6: we teach people to do on this podcast. If the

699
00:30:41,360 --> 00:30:43,640
Speaker 6: situation was reversed, which it is for you, j Rick.

700
00:30:43,880 --> 00:30:46,640
Speaker 6: You know, we're clapping and cheering because that's amazing to

701
00:30:46,680 --> 00:30:49,160
Speaker 6: take financial control. So yeah, just take the emotion out

702
00:30:49,160 --> 00:30:50,560
Speaker 6: of it. Think of it really pragmatically.

703
00:30:50,720 --> 00:30:53,360
Speaker 2: And maybe he's been listening to the poder. Perhaps he's

704
00:30:53,400 --> 00:30:57,360
Speaker 2: a little fair because our listener question, she's clearly listening

705
00:30:57,400 --> 00:30:59,480
Speaker 2: to the pod, and she's been listening to the pod,

706
00:31:00,040 --> 00:31:01,440
Speaker 2: and you know, was going to buy a house. I

707
00:31:01,440 --> 00:31:03,120
Speaker 2: hope she'd be like, Oh, Victoria's in my head. I

708
00:31:03,160 --> 00:31:05,720
Speaker 2: probably should have this conversation. He's just doing the right things.

709
00:31:05,760 --> 00:31:07,040
Speaker 6: I'm doing the right thing.

710
00:31:07,200 --> 00:31:09,880
Speaker 2: I love that. But guys, I think that is unfortunately

711
00:31:09,920 --> 00:31:12,960
Speaker 2: all we have time for today. So Georgia King, would

712
00:31:13,000 --> 00:31:15,160
Speaker 2: you please wrap the boring but important stuff.

713
00:31:15,240 --> 00:31:17,680
Speaker 6: Of course, please remember, guys that the advice shed on

714
00:31:17,800 --> 00:31:19,920
Speaker 6: She's on the Money is general in nature and does

715
00:31:19,960 --> 00:31:23,120
Speaker 6: not consider out your individual circumstances. She's on the Money

716
00:31:23,200 --> 00:31:26,440
Speaker 6: exists purely for educational purposes and should not be relied

717
00:31:26,480 --> 00:31:29,360
Speaker 6: upon to make an investment or a financial decision. And

718
00:31:29,480 --> 00:31:32,200
Speaker 6: we promise Victoria Divine and She's on the Money are

719
00:31:32,240 --> 00:31:36,959
Speaker 6: authorized representatives of in Focused Securities Australia Proprietary Limited ABM

720
00:31:37,080 --> 00:31:39,479
Speaker 6: four seven zero nine seven seven nine seven zero four

721
00:31:39,560 --> 00:31:42,560
Speaker 6: nine AFSL two Threy six five two three wash Mick.

722
00:31:42,880 --> 00:31:44,800
Speaker 2: We'll see you guys on Monday. Hi, guys.

723
00:31:44,880 --> 00:31:45,120
Speaker 4: Bye,