1 00:00:00,200 --> 00:00:19,440 Speaker 1: She's on the Money. She's on the Money. 2 00:00:23,440 --> 00:00:26,360 Speaker 2: Hello, and welcome to She's on the Money, the podcast 3 00:00:26,400 --> 00:00:30,880 Speaker 2: for millennials who want financial freedom. Today, it's our Friday's 4 00:00:30,960 --> 00:00:34,720 Speaker 2: Drinks episode, but we're taking it with a twist, as 5 00:00:34,720 --> 00:00:38,280 Speaker 2: some people do with their martinis. Do they do that? Maybe? 6 00:00:38,840 --> 00:00:42,680 Speaker 2: As as you may have noticed, this is not Victoria 7 00:00:42,800 --> 00:00:46,400 Speaker 2: Divine speaking. This is Georgia King speaking, and joining me 8 00:00:46,760 --> 00:00:50,040 Speaker 2: is the lovely Jessica Ricci. Hello, Jay Rick. 9 00:00:50,080 --> 00:00:54,040 Speaker 3: It's just the two of us today, Just the gals. 10 00:00:53,159 --> 00:00:54,120 Speaker 2: Just the gals. 11 00:00:54,480 --> 00:00:58,640 Speaker 3: Victoria Divine is a freaking busy lady. I tried and 12 00:00:58,720 --> 00:01:01,560 Speaker 3: I tried to find time in her calendar, and we 13 00:01:01,600 --> 00:01:04,280 Speaker 3: do normally have our standing Friday Drink day every week, 14 00:01:04,319 --> 00:01:06,959 Speaker 3: which we love. But this week something came up and 15 00:01:07,040 --> 00:01:09,600 Speaker 3: unfortunately she couldn't make it. But the show must go on, 16 00:01:09,959 --> 00:01:12,759 Speaker 3: and that means we get the mic. 17 00:01:13,520 --> 00:01:17,720 Speaker 2: We get the mic, and to kind of spice things up, 18 00:01:17,800 --> 00:01:20,960 Speaker 2: we thought we'd do a Q and DA with G 19 00:01:21,200 --> 00:01:24,800 Speaker 2: and Jay little episode. Did you like that? 20 00:01:25,000 --> 00:01:27,600 Speaker 3: I loved it? Rhymed, it was fun. 21 00:01:28,680 --> 00:01:31,160 Speaker 2: So brace yourself, guys, because over the next what are 22 00:01:31,160 --> 00:01:32,920 Speaker 2: you reckon? Half an hour or so? Jay Rick, We're 23 00:01:32,920 --> 00:01:35,679 Speaker 2: going to be answering all of your burning questions for 24 00:01:35,760 --> 00:01:38,560 Speaker 2: the two girls who, well, you know stuff about finance. 25 00:01:38,600 --> 00:01:40,600 Speaker 2: I don't really know that much, but you know, I'm 26 00:01:40,640 --> 00:01:42,679 Speaker 2: a nice girl, a nice lady. 27 00:01:44,240 --> 00:01:47,600 Speaker 3: We're going to do our best. Victoria Divine, if you're listening, 28 00:01:48,160 --> 00:01:49,840 Speaker 3: I kind of hope that you aren't, because we did 29 00:01:49,840 --> 00:01:53,760 Speaker 3: this without permission. Please be kind to us. Were as 30 00:01:53,840 --> 00:01:56,120 Speaker 3: you say, we're doing our best, but we are also 31 00:01:56,320 --> 00:01:57,680 Speaker 3: not financial advisors. 32 00:01:57,800 --> 00:01:59,840 Speaker 2: All right, jess where do we start? I guess we'll 33 00:02:00,320 --> 00:02:03,920 Speaker 2: by talking about the pods that were this week. So 34 00:02:04,000 --> 00:02:06,520 Speaker 2: kick us off with a little recap of Money Diaries. 35 00:02:06,840 --> 00:02:11,240 Speaker 2: So on Monday, it was Tony's last episode. She's headed 36 00:02:11,280 --> 00:02:13,760 Speaker 2: off to work on other things, which we're so excited 37 00:02:13,800 --> 00:02:16,320 Speaker 2: and proud of her for. So the girl spoke to 38 00:02:16,680 --> 00:02:21,360 Speaker 2: a diarist who immigrated from Brazil to Australia to be 39 00:02:21,560 --> 00:02:24,400 Speaker 2: with her long distance partners. They've been doing long distance 40 00:02:24,440 --> 00:02:26,720 Speaker 2: for a year and her partner was from New Zealand, 41 00:02:26,800 --> 00:02:30,600 Speaker 2: so they've both moved here with no experience, fresh start, 42 00:02:30,840 --> 00:02:34,919 Speaker 2: no savings. They are actually ten k in debt and 43 00:02:35,080 --> 00:02:37,200 Speaker 2: so coming from that their own lives, all of a 44 00:02:37,200 --> 00:02:39,440 Speaker 2: sudden they're living together they've moved to a new city, 45 00:02:39,720 --> 00:02:42,520 Speaker 2: they've paid off their debt, they have savings. Now, they're 46 00:02:42,680 --> 00:02:46,160 Speaker 2: absolutely kicking goals and it was just really cool to 47 00:02:46,200 --> 00:02:49,760 Speaker 2: hear about. I guess their journey to now. I mean 48 00:02:49,800 --> 00:02:52,600 Speaker 2: everybody has a really interesting journey, of course, but I 49 00:02:52,639 --> 00:02:56,040 Speaker 2: think making such a significant life change and then they 50 00:02:56,160 --> 00:02:58,000 Speaker 2: ended up on top. They now have a six figure 51 00:02:58,040 --> 00:02:59,440 Speaker 2: investment portfolio together. 52 00:02:59,560 --> 00:03:01,720 Speaker 3: Really great one. I highly recommend it. 53 00:03:01,720 --> 00:03:03,480 Speaker 2: It sounds like there was lots in there. 54 00:03:03,560 --> 00:03:06,160 Speaker 3: To our park absolutely. What did you guys chat about 55 00:03:06,160 --> 00:03:06,720 Speaker 3: on Wednesday? 56 00:03:07,440 --> 00:03:10,960 Speaker 2: Wednesday was another jolly festive episode. 57 00:03:10,639 --> 00:03:12,280 Speaker 3: Jayree, can you tell I had control? 58 00:03:14,320 --> 00:03:16,880 Speaker 2: There is a lot of crissy content coming everyone's way, 59 00:03:17,080 --> 00:03:19,799 Speaker 2: a fair warning. But this week we chat it about 60 00:03:19,840 --> 00:03:24,839 Speaker 2: sustainable gifting, which was really interesting because obviously last week 61 00:03:24,840 --> 00:03:27,079 Speaker 2: we spoke about the Twelve Saves of Christmas, and it 62 00:03:27,200 --> 00:03:30,160 Speaker 2: was really great to find out ways of cutting back 63 00:03:30,240 --> 00:03:33,160 Speaker 2: on the crazy spending that we all do at Christmas, 64 00:03:33,520 --> 00:03:38,720 Speaker 2: but tackling it from a sustainability perspective was super super interesting. 65 00:03:39,800 --> 00:03:43,000 Speaker 2: I thought it would be cute to reel off some stats. 66 00:03:42,680 --> 00:03:43,520 Speaker 3: Here for you, Jayrey. 67 00:03:43,560 --> 00:03:47,400 Speaker 2: Oh, you haven't listened to the B episode yet, So 68 00:03:48,240 --> 00:03:52,280 Speaker 2: the amount of waste we produce increases by thirty percent 69 00:03:52,520 --> 00:03:55,480 Speaker 2: at Christmas time. Wow, that's a lot. 70 00:03:55,600 --> 00:04:00,280 Speaker 3: That is so much, especially when you think that I, like, 71 00:04:00,320 --> 00:04:01,920 Speaker 3: I wouldn't know the start off the top of my head. 72 00:04:01,960 --> 00:04:03,840 Speaker 3: I am no winner as good as you, but like, 73 00:04:04,280 --> 00:04:06,800 Speaker 3: on average, the amount of waste that we produce now 74 00:04:06,880 --> 00:04:10,280 Speaker 3: is compared to ten years ago, has increased astronomically already, 75 00:04:10,320 --> 00:04:12,560 Speaker 3: So to chuck another thirty percent on top of that 76 00:04:13,240 --> 00:04:15,720 Speaker 3: is insanity. Oh, it's insane. 77 00:04:15,800 --> 00:04:19,480 Speaker 2: And a massive part of that day, which comes from plastic, 78 00:04:19,720 --> 00:04:22,360 Speaker 2: which makes a lot of sense. We produce one hundred 79 00:04:22,360 --> 00:04:26,120 Speaker 2: and twenty five thousand tons of waste just from plastic 80 00:04:26,120 --> 00:04:29,040 Speaker 2: packaging at this time of year, and we spend an 81 00:04:29,080 --> 00:04:32,440 Speaker 2: extra five hundred and fifty four million dollars on food 82 00:04:32,480 --> 00:04:35,200 Speaker 2: at this time and a third of that goes to waste. 83 00:04:35,760 --> 00:04:39,720 Speaker 3: So there's a lot going on, especially when you think 84 00:04:39,720 --> 00:04:42,760 Speaker 3: about not everyone's You know, it's a time to be 85 00:04:42,920 --> 00:04:45,640 Speaker 3: with people you love and enjoy, but it does break 86 00:04:45,680 --> 00:04:47,360 Speaker 3: my heart a little bit thinking about the people who 87 00:04:47,400 --> 00:04:51,360 Speaker 3: aren't so fortunate, and especially when there's so much going 88 00:04:51,360 --> 00:04:53,600 Speaker 3: to waste. I totally get wanting to do a big doo, 89 00:04:54,240 --> 00:04:56,479 Speaker 3: especially after the last couple of years that we've had. 90 00:04:56,560 --> 00:04:59,719 Speaker 3: But I would really encourage people if you do have 91 00:04:59,760 --> 00:05:03,000 Speaker 3: a excess of things. I know it's really hard to do, 92 00:05:03,040 --> 00:05:04,800 Speaker 3: but if there's a way to pass that on to 93 00:05:04,920 --> 00:05:07,600 Speaker 3: someone less fortunate. There's food banks that are always looking 94 00:05:07,600 --> 00:05:09,400 Speaker 3: for things. At this time of year, heaps of great 95 00:05:09,480 --> 00:05:12,880 Speaker 3: charities are looking for donations. Maybe we could pop a 96 00:05:12,880 --> 00:05:15,839 Speaker 3: thread up actually in the group today about giving back 97 00:05:15,880 --> 00:05:19,160 Speaker 3: for Christmas, because I think our community is so smart 98 00:05:19,200 --> 00:05:21,359 Speaker 3: and there are always people whenever we mentioned something on 99 00:05:21,360 --> 00:05:23,080 Speaker 3: the pot being like, oh I wonder if that's a thing, 100 00:05:23,200 --> 00:05:25,880 Speaker 3: there's always people that have the answer. So I'll check 101 00:05:25,920 --> 00:05:27,640 Speaker 3: that up in the FACY group today. If you're not 102 00:05:27,680 --> 00:05:30,520 Speaker 3: a part of it, let's get that chat going because 103 00:05:30,760 --> 00:05:32,719 Speaker 3: it's been a tough time, you know, for everybody. 104 00:05:32,800 --> 00:05:36,359 Speaker 2: Yeah, definitely, definitely, And yeah, guys, do listen to that 105 00:05:36,400 --> 00:05:39,280 Speaker 2: episode if you need tips, if you're still getting your 106 00:05:39,320 --> 00:05:42,800 Speaker 2: holiday gifting together. There were lots of kind of ideas 107 00:05:42,839 --> 00:05:44,680 Speaker 2: in there to help you out as to how you 108 00:05:44,680 --> 00:05:46,520 Speaker 2: can do it sustainably, So give it a listen. We 109 00:05:46,640 --> 00:05:48,880 Speaker 2: love it amazing. 110 00:05:49,160 --> 00:05:50,880 Speaker 3: Now normally we would do a bit of a deep 111 00:05:50,960 --> 00:05:53,599 Speaker 3: dive into a thing and gee, you and I would 112 00:05:53,640 --> 00:05:55,520 Speaker 3: be the ones bringing to questions. Victoria would be the 113 00:05:55,520 --> 00:05:56,480 Speaker 3: one doing the answering. 114 00:05:56,920 --> 00:05:57,799 Speaker 2: She certainly would. 115 00:05:58,000 --> 00:06:01,400 Speaker 3: Neither of us are shall we say, finance experts. 116 00:06:02,839 --> 00:06:05,040 Speaker 2: I feel like you're getting their doll I remember last 117 00:06:05,040 --> 00:06:08,560 Speaker 2: week you had all the tips and tricks. 118 00:06:07,640 --> 00:06:10,440 Speaker 3: My best, but I'm no Victoria Divine. But what I 119 00:06:10,480 --> 00:06:12,200 Speaker 3: thought we could do instead? I checked a post up 120 00:06:12,240 --> 00:06:14,839 Speaker 3: on Instagram today and asked people to ask us some questions. 121 00:06:14,920 --> 00:06:17,279 Speaker 3: I did throw the caveat in that we are not 122 00:06:17,880 --> 00:06:20,680 Speaker 3: as knowledgeable as Victoria, but I thought maybe we could 123 00:06:20,760 --> 00:06:22,120 Speaker 3: run through, do a bit of a Q and a 124 00:06:22,279 --> 00:06:25,080 Speaker 3: what do you reckon? We love? We love? All right, 125 00:06:25,160 --> 00:06:27,160 Speaker 3: let me have a scroll through and hit you with 126 00:06:27,200 --> 00:06:28,360 Speaker 3: some questions. 127 00:06:28,600 --> 00:06:30,560 Speaker 2: I'm sweaty, yeah. 128 00:06:30,800 --> 00:06:34,119 Speaker 3: It's really hot today. Should we start off with a nice, 129 00:06:34,200 --> 00:06:36,400 Speaker 3: a nice simple one. What are your big money goals? 130 00:06:36,400 --> 00:06:37,920 Speaker 3: Shi King? Tell me about you? 131 00:06:38,680 --> 00:06:45,080 Speaker 2: Okay, I think despite everything I've learned over the last 132 00:06:45,160 --> 00:06:48,279 Speaker 2: two years from being involved with Shoes on the Money, 133 00:06:48,760 --> 00:06:52,680 Speaker 2: I think home ownership is still probably the number one 134 00:06:53,080 --> 00:06:55,360 Speaker 2: big money goal, as I know it is for you. 135 00:06:56,640 --> 00:06:59,919 Speaker 2: I'd say that's that's my biggest goal, and then I 136 00:07:00,000 --> 00:07:05,239 Speaker 2: I think starting investing the proper way like the step above. 137 00:07:05,279 --> 00:07:08,920 Speaker 2: Micro investing, I think would be my second big money goal. 138 00:07:09,279 --> 00:07:12,280 Speaker 3: How about you check on your home ownership journey, because 139 00:07:12,320 --> 00:07:14,960 Speaker 3: as you say, it's also I'm exactly in the same 140 00:07:15,000 --> 00:07:17,120 Speaker 3: boat as you. That's my big goal right now, and 141 00:07:17,160 --> 00:07:20,320 Speaker 3: I know it's so overwhelming. We actually put a post 142 00:07:20,400 --> 00:07:22,960 Speaker 3: up on the property Playbooks Instagram this week. The property 143 00:07:23,000 --> 00:07:26,880 Speaker 3: market has been projected by Westpac to have increased twenty 144 00:07:26,920 --> 00:07:29,720 Speaker 3: two percent in the last twelve months. Yeah, that is 145 00:07:30,360 --> 00:07:34,120 Speaker 3: so much, and especially when we're talking about large sums 146 00:07:34,200 --> 00:07:37,400 Speaker 3: of money. You know, it blows my mind that a 147 00:07:37,440 --> 00:07:42,520 Speaker 3: pretty average house I'm looking an hour outside of the 148 00:07:42,560 --> 00:07:45,400 Speaker 3: city is still over half a million dollars. You're looking 149 00:07:45,560 --> 00:07:48,280 Speaker 3: at between five hundred and six hundred thousand dollars for 150 00:07:48,640 --> 00:07:53,240 Speaker 3: just a really basic home, which the prices, you know, 151 00:07:53,280 --> 00:07:56,040 Speaker 3: getting that deposit together can be so hectic. 152 00:07:56,480 --> 00:08:00,240 Speaker 2: Yeah, yeah, it's insane. I feel like I feel like 153 00:08:00,280 --> 00:08:03,080 Speaker 2: for me, I'm just and I feel like regular listeners 154 00:08:03,120 --> 00:08:06,480 Speaker 2: to the podcast would definitely know that I still plan 155 00:08:06,640 --> 00:08:12,120 Speaker 2: to live overseas sometime soon, hopefully COVID depending, So I 156 00:08:12,160 --> 00:08:15,480 Speaker 2: think for me, I'll move overseas so one or two 157 00:08:15,560 --> 00:08:18,880 Speaker 2: years and then hopefully come back. Hopefully the market has 158 00:08:19,080 --> 00:08:22,640 Speaker 2: crashed and I can just jump in there, buy myself 159 00:08:22,640 --> 00:08:27,040 Speaker 2: a hot little mansion and then go from there. But yeah, 160 00:08:27,120 --> 00:08:29,240 Speaker 2: I think I'm kind of just I've got like a 161 00:08:29,320 --> 00:08:33,840 Speaker 2: nice little deposit there for when I need it, and then, yeah, 162 00:08:33,920 --> 00:08:37,000 Speaker 2: when it comes time, hopefully I'll actually be able to 163 00:08:37,040 --> 00:08:41,760 Speaker 2: afford something halfway decent. Tell me about your home journey 164 00:08:41,840 --> 00:08:43,080 Speaker 2: so far, Jess, I. 165 00:08:43,040 --> 00:08:45,160 Speaker 3: Feel like I'm getting to the pointy end. I am 166 00:08:45,559 --> 00:08:47,960 Speaker 3: currently waiting to get my pre approval back, which is 167 00:08:48,000 --> 00:08:51,120 Speaker 3: super exciting. I've been chatting to a mortgage broker, I've 168 00:08:51,160 --> 00:08:53,640 Speaker 3: been listening to all the Property Playbook episodes, which has 169 00:08:53,679 --> 00:08:56,120 Speaker 3: been super helpful. I definitely have an advantage in that 170 00:08:56,360 --> 00:08:59,480 Speaker 3: I have direct access from Victoria and can ask them 171 00:08:59,520 --> 00:09:03,319 Speaker 3: all of my dulous questions. But yeah, once I get 172 00:09:03,320 --> 00:09:07,720 Speaker 3: that pre approval back, in an ideal world, that process 173 00:09:07,760 --> 00:09:10,719 Speaker 3: will run through startup next year, which is exciting. I'm 174 00:09:11,400 --> 00:09:15,280 Speaker 3: I'll probably be building just because in terms of the cost, 175 00:09:15,360 --> 00:09:17,920 Speaker 3: I want to take advantage of the grants that are 176 00:09:17,960 --> 00:09:21,559 Speaker 3: available for first home owners in Victoria, and the stipulation 177 00:09:21,640 --> 00:09:23,440 Speaker 3: there is that it needs to be a new home 178 00:09:23,559 --> 00:09:27,560 Speaker 3: that hasn't been occupied before, So building is looking like 179 00:09:27,600 --> 00:09:30,600 Speaker 3: the way to go for me. But finding land is 180 00:09:30,640 --> 00:09:34,480 Speaker 3: really hard. Picking a builder is really hard. The whole 181 00:09:34,559 --> 00:09:37,880 Speaker 3: thing is just really hard. So everybody keep your fingers 182 00:09:37,880 --> 00:09:41,360 Speaker 3: crushed for me that my pre approval comes through. But yeah, 183 00:09:41,400 --> 00:09:42,280 Speaker 3: we'll see how we go. 184 00:09:42,800 --> 00:09:44,120 Speaker 2: That's so exciting. 185 00:09:44,960 --> 00:09:46,760 Speaker 3: It is exciting but also very overwhelming. 186 00:09:47,120 --> 00:09:50,760 Speaker 2: Yeah, for sure, such an adult now, Jay Rick, that's 187 00:09:50,760 --> 00:09:51,760 Speaker 2: a very adult moment. 188 00:09:52,400 --> 00:09:55,679 Speaker 3: I think so. But Steph asked us would love to 189 00:09:55,720 --> 00:09:58,440 Speaker 3: hear how you girls have changed your financial life since 190 00:09:58,480 --> 00:09:59,760 Speaker 3: working at Share for the Money. And I know you 191 00:09:59,760 --> 00:10:04,920 Speaker 3: said before that you despite everything, you're kind of just 192 00:10:04,920 --> 00:10:08,120 Speaker 3: plodding along, which I really admire. But have you made 193 00:10:08,160 --> 00:10:10,640 Speaker 3: any changes at all if you think back? Obviously you're 194 00:10:10,679 --> 00:10:13,400 Speaker 3: the ogg king. You've been here, you know, the longest 195 00:10:13,480 --> 00:10:16,040 Speaker 3: out of everybody. Has there been anything that you've kind 196 00:10:16,080 --> 00:10:19,360 Speaker 3: of changed or learned there has had a big impact 197 00:10:19,360 --> 00:10:19,760 Speaker 3: on you. 198 00:10:19,880 --> 00:10:23,000 Speaker 2: Oh, that's a good question. It's a really good question. 199 00:10:23,640 --> 00:10:24,319 Speaker 3: I think. 200 00:10:25,080 --> 00:10:27,800 Speaker 2: I think something I've really learned over the last two 201 00:10:27,880 --> 00:10:31,280 Speaker 2: years is to kind of go more easily on myself 202 00:10:31,320 --> 00:10:36,640 Speaker 2: when it comes to spending money. I'm a dirty hoarder 203 00:10:37,760 --> 00:10:41,040 Speaker 2: and I like to hold on to my cash. So 204 00:10:42,600 --> 00:10:45,120 Speaker 2: over the last kind of couple of years, I've let 205 00:10:45,200 --> 00:10:48,679 Speaker 2: myself spend my money and realized, George, you work so hard. 206 00:10:49,520 --> 00:10:51,080 Speaker 3: Absolutely you do. Yeah. 207 00:10:51,120 --> 00:10:53,520 Speaker 2: So I think that's probably one of the biggest things 208 00:10:53,520 --> 00:10:56,240 Speaker 2: that's changed for me that I'm weirdly proud of. It's 209 00:10:56,320 --> 00:10:58,360 Speaker 2: kind of like a reverse it's not what you would expect. 210 00:10:58,360 --> 00:10:59,720 Speaker 2: I guess it's really good. 211 00:10:59,760 --> 00:11:02,080 Speaker 3: I think, especially this time of year when people have 212 00:11:02,120 --> 00:11:05,160 Speaker 3: been working so hard, it can feel really confronting to 213 00:11:05,160 --> 00:11:07,160 Speaker 3: all of a sudden be just making a rain on 214 00:11:07,400 --> 00:11:09,679 Speaker 3: Christmas presents and dinner, yeah, all that stuff. So I 215 00:11:09,679 --> 00:11:12,000 Speaker 3: think it's really great that you, yeah, are a bit 216 00:11:12,040 --> 00:11:14,640 Speaker 3: more comfortable doing that and obviously doing it responsibly, but 217 00:11:14,760 --> 00:11:18,480 Speaker 3: not restricting yourself super significantly either, because you do deserve 218 00:11:18,480 --> 00:11:20,960 Speaker 3: to enjoy your life and to some externally, the money 219 00:11:21,000 --> 00:11:22,800 Speaker 3: is there to be spent. I mean, don't get crazy, 220 00:11:22,840 --> 00:11:25,040 Speaker 3: but yeah, what's life if you don't enjoy. 221 00:11:24,880 --> 00:11:26,000 Speaker 2: It, you know, and that's it. 222 00:11:26,080 --> 00:11:26,480 Speaker 3: That's it. 223 00:11:26,720 --> 00:11:29,240 Speaker 2: I think the other key thing I would say there 224 00:11:29,280 --> 00:11:33,319 Speaker 2: as well, is like an increased level of self respect 225 00:11:33,520 --> 00:11:35,480 Speaker 2: and self worth. And I feel like that's something that 226 00:11:35,600 --> 00:11:42,520 Speaker 2: VICKI d get over here girl, but from a finance perspective, 227 00:11:42,679 --> 00:11:45,560 Speaker 2: like I think, especially as a freelancer, there's always that 228 00:11:45,640 --> 00:11:49,080 Speaker 2: tendency to undervalue yourself and not really know what you're worth. 229 00:11:49,920 --> 00:11:53,640 Speaker 2: But Victoria has really helped me and I hope a 230 00:11:53,640 --> 00:11:55,720 Speaker 2: lot of our listeners to realize that, like it's a 231 00:11:55,760 --> 00:11:59,400 Speaker 2: really good thing to talk about money, have conversations, own 232 00:11:59,440 --> 00:12:02,840 Speaker 2: your worth, and then ad tax as she says. So 233 00:12:02,840 --> 00:12:06,120 Speaker 2: I think that's probably they're my true big key learnings 234 00:12:06,120 --> 00:12:09,240 Speaker 2: from the last two years. Donny, how about you, Jesse? 235 00:12:09,880 --> 00:12:10,160 Speaker 3: Jesse? 236 00:12:10,280 --> 00:12:13,160 Speaker 2: I've never called you Jesse. Do people call you Jesse? 237 00:12:13,600 --> 00:12:16,719 Speaker 3: No. The only person who really ever has is a 238 00:12:16,760 --> 00:12:18,400 Speaker 3: guy I used to work with, and it was super 239 00:12:18,440 --> 00:12:22,560 Speaker 3: weird vibe it at all. But I think for me 240 00:12:23,640 --> 00:12:25,680 Speaker 3: there's kind of two things, and the first one is 241 00:12:25,720 --> 00:12:29,400 Speaker 3: probably more so from not from working here, but from 242 00:12:29,520 --> 00:12:31,840 Speaker 3: she's on the money, because we've said before, I came 243 00:12:31,840 --> 00:12:34,200 Speaker 3: from the community. That's how I got this job. But 244 00:12:34,280 --> 00:12:37,360 Speaker 3: it was paying down your debt. I paid off eight 245 00:12:37,400 --> 00:12:39,920 Speaker 3: thousand dollars of credit card debt in a matter of 246 00:12:40,040 --> 00:12:43,800 Speaker 3: six months after listening to the pod, just by realizing 247 00:12:43,880 --> 00:12:48,240 Speaker 3: that I had terrible habits and I had initially gotten 248 00:12:48,240 --> 00:12:51,200 Speaker 3: that card as you know, an emergency came up. I 249 00:12:51,280 --> 00:12:54,480 Speaker 3: was due to go overseas. My car just carcked it 250 00:12:54,600 --> 00:12:56,400 Speaker 3: and I couldn't afford to pay for it, so I 251 00:12:56,520 --> 00:12:59,240 Speaker 3: got a card and put it on that, and then 252 00:12:59,559 --> 00:13:02,920 Speaker 3: it was just incremental spending of being like, oh, I'm out, 253 00:13:03,040 --> 00:13:04,520 Speaker 3: don't have money in my account, I don't have reception. 254 00:13:04,559 --> 00:13:06,040 Speaker 3: I should put on the credit. I can't pay it back. 255 00:13:06,080 --> 00:13:09,920 Speaker 3: And then obviously those things just snowball so quickly, and 256 00:13:09,960 --> 00:13:11,800 Speaker 3: I found myself with this debt and at the time, 257 00:13:11,840 --> 00:13:14,120 Speaker 3: I was trying to save, and I thought I was 258 00:13:14,120 --> 00:13:16,199 Speaker 3: doing really well because I loved seeing the numbers going 259 00:13:16,280 --> 00:13:19,200 Speaker 3: up in my savings account. And then listening to the pod, 260 00:13:19,240 --> 00:13:21,240 Speaker 3: I heard Victorious say once if you have debt and savings, 261 00:13:21,320 --> 00:13:24,760 Speaker 3: you don't have savings because you're actually robbing future you 262 00:13:24,920 --> 00:13:27,560 Speaker 3: with the interest and the line of credit and all 263 00:13:27,600 --> 00:13:30,559 Speaker 3: of that stuff. And so I once I heard that, 264 00:13:30,640 --> 00:13:32,600 Speaker 3: I was like, oh my gosh, what have I been doing? 265 00:13:32,800 --> 00:13:36,319 Speaker 3: And I paid it down really aggressively. But that mindset 266 00:13:36,320 --> 00:13:40,439 Speaker 3: of having needless credit is actually quite detrimental to your finances. 267 00:13:40,520 --> 00:13:43,480 Speaker 3: Even if your savings are going up, it's not necessarily 268 00:13:43,520 --> 00:13:45,600 Speaker 3: putting you in the best position that you could be in. 269 00:13:46,040 --> 00:13:47,880 Speaker 3: And so that's something that really stuck with me. And 270 00:13:47,880 --> 00:13:51,520 Speaker 3: then I think the other thing is just investing consistently. 271 00:13:51,600 --> 00:13:54,640 Speaker 3: I had never thought about investing ever in my life, 272 00:13:54,880 --> 00:13:58,080 Speaker 3: as far as I'm aware, My family never invested. It. 273 00:13:58,280 --> 00:14:00,560 Speaker 3: Just money wasn't something that was spoken of a lot. 274 00:14:00,600 --> 00:14:03,280 Speaker 3: I just knew it was a really significant stressor in 275 00:14:03,320 --> 00:14:06,640 Speaker 3: my family, and so the idea of creating wealth was 276 00:14:06,679 --> 00:14:09,640 Speaker 3: not something that had ever crossed my mind. Like I 277 00:14:09,640 --> 00:14:12,280 Speaker 3: thought I was doing well to just you know, have 278 00:14:12,360 --> 00:14:14,160 Speaker 3: paid off my debt and be like wow, great, like 279 00:14:14,400 --> 00:14:16,720 Speaker 3: that's a big thing. And then my eyes were just 280 00:14:16,800 --> 00:14:19,800 Speaker 3: open to this whole world of things that I had 281 00:14:19,840 --> 00:14:22,920 Speaker 3: never spoken or heard about. And then obviously being around 282 00:14:22,920 --> 00:14:24,800 Speaker 3: it all the time in the office, we talk about 283 00:14:24,800 --> 00:14:27,440 Speaker 3: investing in the market and the community does as well, 284 00:14:27,760 --> 00:14:29,920 Speaker 3: and just realizing the value of even if it's a 285 00:14:29,960 --> 00:14:33,040 Speaker 3: small about even if I'm chucking fifty bucks into my 286 00:14:33,120 --> 00:14:37,080 Speaker 3: space ship every month, that consistency means that I'm getting 287 00:14:37,120 --> 00:14:39,120 Speaker 3: the most of dollar cost averaging and I'm getting the 288 00:14:39,120 --> 00:14:41,840 Speaker 3: most of my money, and if I leave it there, 289 00:14:41,920 --> 00:14:44,800 Speaker 3: which is my intention, it'll just chug away on its 290 00:14:44,800 --> 00:14:47,680 Speaker 3: own and kind of generate its own money, which is incredible. 291 00:14:48,280 --> 00:14:48,920 Speaker 3: You not me. 292 00:14:49,120 --> 00:14:51,000 Speaker 2: That's how one knew exactly. 293 00:14:51,160 --> 00:14:51,400 Speaker 3: I know. 294 00:14:51,480 --> 00:14:54,040 Speaker 2: I feel like before she's on the money, I definitely 295 00:14:54,200 --> 00:14:57,840 Speaker 2: fell into the camp of thinking that investing was like gambling, 296 00:14:57,880 --> 00:15:02,600 Speaker 2: like why would you do that safe? But yeah, that's 297 00:15:02,600 --> 00:15:05,080 Speaker 2: been such a learning curve and I feel like, hopefully 298 00:15:05,120 --> 00:15:08,320 Speaker 2: the pod has helped and the community has helped people 299 00:15:08,840 --> 00:15:11,200 Speaker 2: come around to the idea of investing in. Now you know, 300 00:15:11,200 --> 00:15:13,200 Speaker 2: there's a whole cohort of us who are going to 301 00:15:13,280 --> 00:15:17,400 Speaker 2: be rich. We're all going to be rich. That's the end, 302 00:15:17,440 --> 00:15:21,240 Speaker 2: We're all going to be Yeah. That ended poorly from George, 303 00:15:21,240 --> 00:15:23,320 Speaker 2: but that's okay. What's our next question? 304 00:15:23,440 --> 00:15:27,960 Speaker 3: Jay Rick? The next one is unsurprisingly Christmas themed. Would 305 00:15:27,960 --> 00:15:30,360 Speaker 3: you expect any less from me at this time? Yeah? 306 00:15:31,040 --> 00:15:34,320 Speaker 3: But Sophie asked, how are we going with our Christmas budgets? 307 00:15:34,360 --> 00:15:36,640 Speaker 3: She said, if we're comfortable sharing, don't have to put 308 00:15:36,640 --> 00:15:38,240 Speaker 3: a dollar while you want it. But how are you going? 309 00:15:38,440 --> 00:15:40,000 Speaker 3: I know that we spoke a couple of weeks ago 310 00:15:40,000 --> 00:15:43,640 Speaker 3: about the fact that, you know, the blowouts are feeling 311 00:15:43,680 --> 00:15:46,400 Speaker 3: a bit big coming off the back of another lucky 312 00:15:46,520 --> 00:15:51,640 Speaker 3: d Are you feeling on track? Are you feeling comfortable. 313 00:15:52,200 --> 00:15:56,400 Speaker 2: I'm I'm feeling comfortable. I'm actually really excited with what 314 00:15:56,480 --> 00:15:59,200 Speaker 2: I have got planned for all of my family members. 315 00:15:59,600 --> 00:16:02,240 Speaker 2: We're not doing a KK this year, which is maybe 316 00:16:02,280 --> 00:16:05,600 Speaker 2: a bad thing for my bank account, but I think 317 00:16:05,680 --> 00:16:08,480 Speaker 2: it's it has been such a weird year yet again, 318 00:16:08,640 --> 00:16:11,960 Speaker 2: and I kind of I want to express my love 319 00:16:12,080 --> 00:16:15,400 Speaker 2: for my family in a material way. 320 00:16:15,440 --> 00:16:17,240 Speaker 3: To do that, sometimes it's okay to do that. 321 00:16:17,240 --> 00:16:17,800 Speaker 2: Sometimes. 322 00:16:17,840 --> 00:16:21,200 Speaker 3: Gifting is one of my top love languages. Phasicly, Yeah, 323 00:16:21,280 --> 00:16:23,760 Speaker 3: if you anyone listening the five love languages that this 324 00:16:23,840 --> 00:16:25,360 Speaker 3: test you can do. It kind of tells you how 325 00:16:25,400 --> 00:16:27,640 Speaker 3: you like to display and receive love. It's quite insightful. 326 00:16:28,080 --> 00:16:30,360 Speaker 3: But yeah, gifting is one of my top love languages. 327 00:16:30,400 --> 00:16:32,160 Speaker 3: And I fully get you where you're like, it's been 328 00:16:32,200 --> 00:16:34,320 Speaker 3: a rough year. I haven't seen you. I just want 329 00:16:34,320 --> 00:16:36,720 Speaker 3: to give you love in the form of something for simple, 330 00:16:37,160 --> 00:16:40,800 Speaker 3: not just a hug, And yeah, that's okay as well. 331 00:16:40,840 --> 00:16:42,640 Speaker 3: Like I know, we talk about saving and on the 332 00:16:42,680 --> 00:16:45,480 Speaker 3: pod we've spoken about like doing it sustainably, doing it affordably, 333 00:16:45,840 --> 00:16:49,600 Speaker 3: which are all important things to consider, but also if 334 00:16:49,640 --> 00:16:51,640 Speaker 3: it's within your means and it brings you joy, I 335 00:16:51,720 --> 00:16:54,680 Speaker 3: don't think that it's a bad thing to sure want 336 00:16:54,680 --> 00:16:56,520 Speaker 3: to share that with your loved ones. 337 00:16:56,440 --> 00:16:59,440 Speaker 2: And there's ways to do it as well. Like, for example, 338 00:16:59,480 --> 00:17:01,880 Speaker 2: when we were talking about Black Friday, and I was like, 339 00:17:02,160 --> 00:17:05,359 Speaker 2: I didn't buy anything for myself, but I used those 340 00:17:05,400 --> 00:17:07,480 Speaker 2: sales to like get ahead and get some some hot 341 00:17:07,480 --> 00:17:10,280 Speaker 2: deals for the gifts. So yeah, I feel like I 342 00:17:10,280 --> 00:17:12,159 Speaker 2: feel like my budget was kind of I don't know, 343 00:17:12,200 --> 00:17:13,760 Speaker 2: I feel like I've blown it out a little bit, 344 00:17:13,840 --> 00:17:17,880 Speaker 2: but I'm not too stressed about it. Yeah, how about you. 345 00:17:18,080 --> 00:17:21,280 Speaker 3: I have definitely blown out a little bit. Black Friday 346 00:17:21,440 --> 00:17:24,119 Speaker 3: got me good with things for the most part that 347 00:17:24,200 --> 00:17:27,399 Speaker 3: I needed and gifts, but still a little more than 348 00:17:27,400 --> 00:17:31,080 Speaker 3: I kind of expected. But I think, as you said earlier, 349 00:17:31,080 --> 00:17:33,480 Speaker 3: I'm trying to be gentle on myself. I have saved 350 00:17:33,480 --> 00:17:35,880 Speaker 3: a lot of money this year with the lockdowns, which 351 00:17:35,880 --> 00:17:41,320 Speaker 3: has been a fortunate byproduct of an unfortunate situation, and yeah, 352 00:17:41,359 --> 00:17:44,680 Speaker 3: like things for myself, things for my friends that same 353 00:17:44,720 --> 00:17:47,160 Speaker 3: as you, I just I kind of want to make 354 00:17:47,200 --> 00:17:48,960 Speaker 3: the end of this year a really good one. It's 355 00:17:48,960 --> 00:17:51,560 Speaker 3: been pretty hectic at the She's on the money office, 356 00:17:51,640 --> 00:17:54,600 Speaker 3: as it has been everywhere, and I'm just kind of 357 00:17:54,640 --> 00:17:58,360 Speaker 3: looking forward to having a good time, and so yeah, 358 00:17:58,359 --> 00:18:00,439 Speaker 3: I've had to let go a little bit. I'm usually 359 00:18:00,640 --> 00:18:03,840 Speaker 3: really strict on my budget, but I've tried to ease 360 00:18:03,880 --> 00:18:06,880 Speaker 3: back a little bit and let myself do that. Good. 361 00:18:07,040 --> 00:18:10,120 Speaker 3: I have another budgeting question for you. Actually, at this one, 362 00:18:10,320 --> 00:18:13,320 Speaker 3: you said you were thinking about moving overseas Ebaniewe. Let's 363 00:18:13,440 --> 00:18:17,360 Speaker 3: just talk about budgeting for moving overseas and not working. 364 00:18:17,520 --> 00:18:20,200 Speaker 3: And I know that you guys did a podcast episode 365 00:18:20,200 --> 00:18:23,280 Speaker 3: on this, so definitely worth at least in ebony. But 366 00:18:23,720 --> 00:18:27,800 Speaker 3: have you I know that obviously moving overseas is right 367 00:18:27,840 --> 00:18:31,560 Speaker 3: now a distant, hopeful thought, but how much have you 368 00:18:31,600 --> 00:18:34,440 Speaker 3: thought about it? How kind of prepared are you getting 369 00:18:34,640 --> 00:18:36,320 Speaker 3: knowing that this is something that you want to do. 370 00:18:36,480 --> 00:18:37,159 Speaker 3: Good question. 371 00:18:37,560 --> 00:18:40,399 Speaker 2: Look, as I think I've said on the pod before 372 00:18:40,440 --> 00:18:44,280 Speaker 2: as well, I have wanted to do this since before 373 00:18:44,520 --> 00:18:47,040 Speaker 2: I was on the podcast for a good three or 374 00:18:47,080 --> 00:18:50,560 Speaker 2: four years maybe, and then like I got a good 375 00:18:50,640 --> 00:18:52,560 Speaker 2: job and I was like, I'll stick around for this 376 00:18:52,680 --> 00:18:55,320 Speaker 2: and I'll go later, and then the penny d happened 377 00:18:55,440 --> 00:19:00,520 Speaker 2: and here we are. So it's still you know, it 378 00:19:00,640 --> 00:19:03,080 Speaker 2: still does depend on what is going to happen in 379 00:19:03,080 --> 00:19:06,040 Speaker 2: the world over the next few months. So what I've 380 00:19:06,119 --> 00:19:09,600 Speaker 2: kind of set myself up with is this decent amount 381 00:19:09,680 --> 00:19:11,879 Speaker 2: of savings that I'll kind of dedicate to like a 382 00:19:11,960 --> 00:19:16,000 Speaker 2: London account. So I've kind of got that little nest 383 00:19:16,080 --> 00:19:18,919 Speaker 2: egg there already. And then when it comes time, like 384 00:19:19,400 --> 00:19:21,760 Speaker 2: this isn't something I'm going to be doing next week. 385 00:19:21,840 --> 00:19:24,880 Speaker 2: I think when it closes in on maybe like the 386 00:19:25,520 --> 00:19:28,440 Speaker 2: two to four months out from the actual process, that's 387 00:19:28,480 --> 00:19:32,400 Speaker 2: when I'll start seeing where I'm at, looking at apartments 388 00:19:32,480 --> 00:19:35,720 Speaker 2: and visas and jobs and all of that. But we'll 389 00:19:35,720 --> 00:19:38,640 Speaker 2: see how we go. I'm not too far into that 390 00:19:38,680 --> 00:19:40,960 Speaker 2: process yet. It's still a bit of a pipe dream, 391 00:19:41,040 --> 00:19:42,760 Speaker 2: but we will see. 392 00:19:42,880 --> 00:19:44,400 Speaker 3: I love that. I think you'll have the best time. 393 00:19:44,440 --> 00:19:46,719 Speaker 3: I could just see you being one of those really cool, 394 00:19:46,920 --> 00:19:50,560 Speaker 3: mysterious girls that sits in a cafe writing in a notebook, 395 00:19:50,560 --> 00:19:53,000 Speaker 3: sipping on a coffee in like some European country. 396 00:19:53,119 --> 00:19:55,600 Speaker 2: No, I'll be in like Starbucks, using their Wi Fi 397 00:19:55,960 --> 00:19:57,080 Speaker 2: on Facebook or something. 398 00:20:00,400 --> 00:20:03,159 Speaker 3: Next question, do you think it's worth having two jobs? 399 00:20:03,320 --> 00:20:06,520 Speaker 3: Say one full time and then one casual on the weekends. 400 00:20:06,600 --> 00:20:09,560 Speaker 3: You're a freelancer, gee, so you I feel like, have 401 00:20:09,640 --> 00:20:10,679 Speaker 3: a good perspective on this. 402 00:20:11,400 --> 00:20:13,439 Speaker 2: Yeah, gosh, I feel like I'm hugging all of the 403 00:20:13,560 --> 00:20:18,840 Speaker 2: answers here, Jessica. Do I think it's a good idea. 404 00:20:19,080 --> 00:20:22,080 Speaker 2: It depends. It depends what you're doing it for. I 405 00:20:22,119 --> 00:20:26,360 Speaker 2: would say, so if you're doing it for career progression, 406 00:20:26,800 --> 00:20:29,040 Speaker 2: then I would say big ticks. If you're doing it 407 00:20:29,080 --> 00:20:33,040 Speaker 2: for financial reasons because you are very keen to get ahead, 408 00:20:33,080 --> 00:20:35,000 Speaker 2: or if you need to do it, then of course 409 00:20:35,160 --> 00:20:39,120 Speaker 2: do it. But I would say it's definitely a trade off. 410 00:20:39,240 --> 00:20:42,400 Speaker 2: Like at the moment, I work full time and then 411 00:20:42,440 --> 00:20:44,480 Speaker 2: I do shees on the money and I've just finished 412 00:20:44,480 --> 00:20:46,960 Speaker 2: my masters, and I have to say, like this year 413 00:20:47,000 --> 00:20:50,959 Speaker 2: has been a slog It's it's been really hard to 414 00:20:51,359 --> 00:20:54,560 Speaker 2: juggle all of that. And I think, you know, if 415 00:20:54,600 --> 00:20:56,080 Speaker 2: I had my time again, I don't know that I 416 00:20:56,080 --> 00:20:58,720 Speaker 2: would work as much as I have. And I'm only 417 00:20:58,720 --> 00:21:01,720 Speaker 2: at the start of my career. Like who cares, I 418 00:21:01,720 --> 00:21:03,960 Speaker 2: don't have kids or anything like that. Like I'm a 419 00:21:04,080 --> 00:21:06,440 Speaker 2: very I can be selfish and self centered and put 420 00:21:06,560 --> 00:21:09,359 Speaker 2: energy into my career. But I think it does it 421 00:21:09,400 --> 00:21:14,000 Speaker 2: does take a toll on your friendships and you know, 422 00:21:14,160 --> 00:21:16,679 Speaker 2: your romantic relationships, so you just you need to know 423 00:21:16,720 --> 00:21:19,200 Speaker 2: why you're doing it and weigh it up whether or 424 00:21:19,240 --> 00:21:21,520 Speaker 2: not it's going to be worth it for you. Does 425 00:21:21,560 --> 00:21:23,000 Speaker 2: that make sense? That felt like a ramble? 426 00:21:23,240 --> 00:21:26,400 Speaker 3: No, not at all. You're you finish your master's congratulations. 427 00:21:26,480 --> 00:21:27,359 Speaker 2: Yeah, thank you. 428 00:21:27,720 --> 00:21:30,919 Speaker 3: But with that happening now, do you see things easing 429 00:21:30,960 --> 00:21:33,800 Speaker 3: back a bit? Are you planning on maybe winding back 430 00:21:33,840 --> 00:21:36,200 Speaker 3: the freelance stuff a bit or are you going to 431 00:21:36,320 --> 00:21:38,600 Speaker 3: keep going while you can. How are you feeling, because 432 00:21:38,640 --> 00:21:40,920 Speaker 3: I know, juggling all that stuff sounds like a sure 433 00:21:41,000 --> 00:21:44,120 Speaker 3: fight way to get yourself burned out really quickly. Yeah. Yeah, 434 00:21:44,240 --> 00:21:46,159 Speaker 3: Do you have plans to dial it back or you're 435 00:21:46,160 --> 00:21:48,040 Speaker 3: going to just kind of ride the way for a bit? 436 00:21:48,880 --> 00:21:52,360 Speaker 2: Look, the honest answer is I'm working on the cricket, 437 00:21:52,440 --> 00:21:55,119 Speaker 2: so I'm going to be working every day until February, 438 00:21:55,359 --> 00:21:58,400 Speaker 2: but except for Christmas Day, so that's good. But when 439 00:21:58,440 --> 00:22:00,560 Speaker 2: we get there, like I pretty much just have a 440 00:22:00,680 --> 00:22:04,919 Speaker 2: view to go on a holiday in like March and 441 00:22:04,960 --> 00:22:06,600 Speaker 2: I'm just gonna sit on a beach. I'm going to 442 00:22:06,680 --> 00:22:12,080 Speaker 2: drink a cocktail and cry. I don't know, No, you'll 443 00:22:12,119 --> 00:22:12,560 Speaker 2: be happy. 444 00:22:12,640 --> 00:22:14,919 Speaker 3: Yeah, yeah, true, I think so. 445 00:22:15,400 --> 00:22:18,000 Speaker 2: But yeah, that's I think when I get to that point, 446 00:22:18,040 --> 00:22:20,040 Speaker 2: then I'll reassess. But for now it's just kind of 447 00:22:20,520 --> 00:22:26,480 Speaker 2: head down, bum up, and push on. But yeah, is 448 00:22:26,520 --> 00:22:27,040 Speaker 2: it admirable? 449 00:22:27,080 --> 00:22:27,480 Speaker 3: I don't know. 450 00:22:27,640 --> 00:22:29,800 Speaker 2: I feel like working too hard. 451 00:22:30,760 --> 00:22:32,880 Speaker 3: I don't know about it. As you said, I think 452 00:22:32,920 --> 00:22:35,640 Speaker 3: it's good if it gets you where you need to go. 453 00:22:36,000 --> 00:22:40,199 Speaker 3: Like I only stopped working two jobs at the end 454 00:22:40,200 --> 00:22:43,760 Speaker 3: of last year. I had always worked full time and 455 00:22:43,800 --> 00:22:48,240 Speaker 3: then also worked in a retail setting because I've worked retail. 456 00:22:48,280 --> 00:22:50,639 Speaker 3: That was my first job. I've worked retail since I 457 00:22:50,760 --> 00:22:54,240 Speaker 3: was fourteen and nine months, and as I got older, 458 00:22:54,280 --> 00:22:55,760 Speaker 3: I always just kept it as a job on the 459 00:22:55,800 --> 00:22:57,560 Speaker 3: side for a little bit extra cash. I'd work on 460 00:22:57,600 --> 00:23:01,480 Speaker 3: a Sunday because the Sunday rates Yeah, on point, And 461 00:23:01,560 --> 00:23:04,640 Speaker 3: even there it's nowhere near the workload like what you've 462 00:23:04,640 --> 00:23:07,480 Speaker 3: done this year. But even that I found quite challenging, 463 00:23:08,119 --> 00:23:10,760 Speaker 3: especially the last few years when as I've kind of 464 00:23:10,800 --> 00:23:13,040 Speaker 3: grown more into a career role and I'm taking on 465 00:23:13,080 --> 00:23:16,520 Speaker 3: more responsibility and my workload's a lot higher, not having 466 00:23:16,520 --> 00:23:20,359 Speaker 3: that time to yourself can be really taxing, definitely, and 467 00:23:20,359 --> 00:23:22,560 Speaker 3: there are absolutely benefits to it. The biggest one for 468 00:23:22,640 --> 00:23:27,200 Speaker 3: me was financial, and that's why I did it. But yeah, 469 00:23:27,240 --> 00:23:29,680 Speaker 3: it can be really hard. It can also be really hard, 470 00:23:29,760 --> 00:23:33,520 Speaker 3: I think managing two sets of workplace dynamics, which I 471 00:23:33,560 --> 00:23:35,960 Speaker 3: think is a bit of a weird something you wouldn't 472 00:23:35,960 --> 00:23:40,040 Speaker 3: necessarily think about so much, but especially for me, Like 473 00:23:40,160 --> 00:23:42,480 Speaker 3: I was older. I am twenty seven, and I was 474 00:23:42,520 --> 00:23:45,720 Speaker 3: working retail at the good old House of g Glassons 475 00:23:45,760 --> 00:23:48,600 Speaker 3: for anyone out there, did you I worked there for 476 00:23:48,640 --> 00:23:51,000 Speaker 3: like six years, but it was really hard because it 477 00:23:51,040 --> 00:23:52,240 Speaker 3: got to the point where I was kind of a 478 00:23:52,280 --> 00:23:53,960 Speaker 3: little bit older than a lot of the girls that 479 00:23:54,040 --> 00:23:57,639 Speaker 3: work their fashion retail. It's often young girls. They like 480 00:23:57,720 --> 00:23:59,320 Speaker 3: that they can pay the minimum wage. I have a 481 00:23:59,359 --> 00:24:02,840 Speaker 3: lot of thoughts feelings on this, yeah, And I mean 482 00:24:02,880 --> 00:24:04,919 Speaker 3: it was great, like I worked with wonderful people, but 483 00:24:05,560 --> 00:24:06,879 Speaker 3: it got to the point where I was just like, 484 00:24:07,160 --> 00:24:11,120 Speaker 3: this is so far removed from my normal job, from 485 00:24:11,200 --> 00:24:15,000 Speaker 3: my normal I guess vibes and people that I work 486 00:24:15,080 --> 00:24:17,000 Speaker 3: with that I felt quite out of place. And I 487 00:24:17,040 --> 00:24:19,679 Speaker 3: don't know if that's a common thing, and it's no 488 00:24:19,760 --> 00:24:21,800 Speaker 3: reflection on the people that were there. It just was 489 00:24:21,920 --> 00:24:25,399 Speaker 3: very much like we were at completely different stages of life. 490 00:24:25,680 --> 00:24:28,840 Speaker 3: And so, you know, I, on one hand, am working 491 00:24:28,920 --> 00:24:31,199 Speaker 3: in a career role doing things that are really important 492 00:24:31,240 --> 00:24:34,040 Speaker 3: to me, and then I'm standing behind a counter and saying, Hi, 493 00:24:34,280 --> 00:24:36,680 Speaker 3: do you want to buy a two dollars tote bag 494 00:24:36,800 --> 00:24:37,960 Speaker 3: to go with your jeans? 495 00:24:38,600 --> 00:24:40,359 Speaker 2: I hate it when they asked me that question. 496 00:24:40,800 --> 00:24:42,480 Speaker 3: I'm a real sucker for it as well because I 497 00:24:42,480 --> 00:24:44,119 Speaker 3: had to do it for so long. So I just 498 00:24:44,520 --> 00:24:48,920 Speaker 3: know and I'm like, fine, kap eyes up. There's also 499 00:24:48,960 --> 00:24:52,080 Speaker 3: that factor as well. I think keeping track of true 500 00:24:52,160 --> 00:24:56,040 Speaker 3: sets of like social things. You know, there's every workplace 501 00:24:56,080 --> 00:24:58,440 Speaker 3: has its own little political kind of structure and things 502 00:24:58,480 --> 00:25:00,239 Speaker 3: that are going on, and keeping track of all that 503 00:25:00,440 --> 00:25:03,200 Speaker 3: can peel a lot as well. So yeah, yeah, I 504 00:25:03,240 --> 00:25:04,760 Speaker 3: think you're right. It depends on what it is. It 505 00:25:04,800 --> 00:25:07,400 Speaker 3: depends on what you do. I don't know that ears work, 506 00:25:07,600 --> 00:25:09,760 Speaker 3: to be honest, all that helpful with that question. I'm 507 00:25:09,800 --> 00:25:11,399 Speaker 3: just a big life story style. 508 00:25:11,760 --> 00:25:16,200 Speaker 2: But no, I think privilege does come into this discussion 509 00:25:16,359 --> 00:25:19,199 Speaker 2: for sure, And like if you need to work that 510 00:25:19,280 --> 00:25:22,119 Speaker 2: extra job to put food on the table, then do 511 00:25:22,240 --> 00:25:25,560 Speaker 2: it for sure. Like you know, it was naive of 512 00:25:25,600 --> 00:25:28,240 Speaker 2: me just to go straight to the career point perspectives. 513 00:25:28,320 --> 00:25:31,639 Speaker 3: That was naive. No, you're absolutely right, You're I should 514 00:25:31,640 --> 00:25:33,800 Speaker 3: have said that before as well. It's it's a very 515 00:25:33,800 --> 00:25:36,040 Speaker 3: fortunate position to be in where I'm saying I'm working 516 00:25:36,240 --> 00:25:40,119 Speaker 3: for money rather than I'm working to feed myself or 517 00:25:40,160 --> 00:25:42,680 Speaker 3: to feed my family. Yeah, and I think doing that 518 00:25:42,840 --> 00:25:45,080 Speaker 3: and all of my little complaints that I just made 519 00:25:45,480 --> 00:25:49,920 Speaker 3: so much respect for working parents and people who who 520 00:25:50,000 --> 00:25:52,240 Speaker 3: do do that, because it's so common for people out 521 00:25:52,280 --> 00:25:55,960 Speaker 3: there to have to work incredibly hard just to get by. 522 00:25:56,040 --> 00:25:58,679 Speaker 3: And I have so much admiration for people like that. 523 00:25:59,200 --> 00:26:01,359 Speaker 3: All RIGHTY going to be a little selfish here for 524 00:26:01,560 --> 00:26:03,200 Speaker 3: it because someone asked a question for me which I 525 00:26:03,240 --> 00:26:06,919 Speaker 3: was very bad. Kate asked what does my pet budget 526 00:26:06,960 --> 00:26:08,680 Speaker 3: look like? And then she said, I just want to 527 00:26:08,720 --> 00:26:10,800 Speaker 3: give just an excuse to talk about Daisy. Thank you 528 00:26:11,040 --> 00:26:14,320 Speaker 3: so much, because I don't do it often enough. Everyone's 529 00:26:14,320 --> 00:26:16,119 Speaker 3: probably sticker hearing about my cat at this point. If 530 00:26:16,160 --> 00:26:17,960 Speaker 3: you don't know, I adopted a cat this year thanks 531 00:26:17,960 --> 00:26:21,919 Speaker 3: to the community who helped me find her. To be honest, 532 00:26:22,040 --> 00:26:25,480 Speaker 3: I don't really have a pet specific budget. This is 533 00:26:25,520 --> 00:26:27,680 Speaker 3: actually a question that we get asked a lot about 534 00:26:27,680 --> 00:26:31,160 Speaker 3: budgeting for pets and pet insurance, which we considered doing 535 00:26:31,160 --> 00:26:33,399 Speaker 3: an episode on, but then we kind of thought it 536 00:26:33,520 --> 00:26:37,280 Speaker 3: might not be that interesting, but let us know. Yeah, 537 00:26:37,520 --> 00:26:39,479 Speaker 3: I do not have pet insurance or a pet budget, 538 00:26:39,520 --> 00:26:42,000 Speaker 3: so I'm actually terrible to answer both of those questions. 539 00:26:42,840 --> 00:26:45,800 Speaker 3: The reason I don't have pet insurance is because I 540 00:26:45,840 --> 00:26:49,480 Speaker 3: have enough money in my emergency fund. I did look 541 00:26:49,520 --> 00:26:52,639 Speaker 3: into it, and I am kind of still weighing up 542 00:26:52,640 --> 00:26:55,679 Speaker 3: the pros and cons. Obviously, Daisy is quite young, so 543 00:26:55,720 --> 00:26:58,480 Speaker 3: it's not a huge issue right now. She's also an 544 00:26:58,560 --> 00:27:01,199 Speaker 3: inside cat. It's probably worth no time, so it's not 545 00:27:01,480 --> 00:27:05,920 Speaker 3: as if she's outside picking up less things like that. 546 00:27:07,440 --> 00:27:10,200 Speaker 3: In terms of budgeting, she's just kind of worked into 547 00:27:10,200 --> 00:27:14,040 Speaker 3: my general budget, so like my allocation for groceries covers 548 00:27:14,280 --> 00:27:17,080 Speaker 3: food and litter and things of that nature, and then 549 00:27:17,160 --> 00:27:20,600 Speaker 3: my personal splurge money will occasionally be used on her, 550 00:27:21,600 --> 00:27:24,760 Speaker 3: like the eighty dollars water fountain I am buying her 551 00:27:24,800 --> 00:27:25,680 Speaker 3: for Christmas. 552 00:27:25,760 --> 00:27:27,879 Speaker 2: Oh my god, stop it. 553 00:27:28,160 --> 00:27:32,800 Speaker 3: I know that's so ridiculous, but I just couldn't help myself. 554 00:27:32,880 --> 00:27:35,400 Speaker 2: I need to see this. What should I google? 555 00:27:35,920 --> 00:27:40,000 Speaker 3: Catwater Fountain fairy Tale is the website I've been waiting 556 00:27:40,040 --> 00:27:42,199 Speaker 3: to see if they have a discount code come up. 557 00:27:42,280 --> 00:27:44,560 Speaker 3: The reason I want it is because it's clear Daisy, 558 00:27:45,000 --> 00:27:49,600 Speaker 3: being spoiled cat that she is, will only drink from 559 00:27:49,640 --> 00:27:52,439 Speaker 3: a glass. She will not drink from. 560 00:27:52,320 --> 00:27:57,160 Speaker 2: A Jessicaci, what do you mean? 561 00:27:57,359 --> 00:27:58,679 Speaker 3: You know how you have a glass of water on 562 00:27:58,680 --> 00:28:01,240 Speaker 3: your bedside table for you. There are true glasses of 563 00:28:01,280 --> 00:28:03,439 Speaker 3: water on my bedside table. There's a tall one for 564 00:28:03,520 --> 00:28:06,359 Speaker 3: me that she can't reach over, and there's a short, 565 00:28:06,480 --> 00:28:08,760 Speaker 3: fat one that she can fit her face in for 566 00:28:08,840 --> 00:28:10,560 Speaker 3: her so she doesn't have to get up to drink. 567 00:28:10,600 --> 00:28:15,240 Speaker 3: It's by the bed, Princess Daisy. I've been trying to 568 00:28:15,280 --> 00:28:16,840 Speaker 3: train her to drink from a bowl, which she's just 569 00:28:16,840 --> 00:28:19,440 Speaker 3: never done it. And I thought that these little fountains 570 00:28:19,440 --> 00:28:21,720 Speaker 3: they're clear, so they look like a glass, because I thought, 571 00:28:21,720 --> 00:28:24,400 Speaker 3: maybe she's dumb and she doesn't realize that there's water 572 00:28:24,480 --> 00:28:28,320 Speaker 3: in there because she can't see it. Perhaps that sounds 573 00:28:28,320 --> 00:28:31,919 Speaker 3: would work. She loves running water. It's so unnecessarily bougie. 574 00:28:31,960 --> 00:28:33,760 Speaker 3: But stuff like that, as I was saying, comes out 575 00:28:33,760 --> 00:28:37,640 Speaker 3: of like my splurge money. I don't pet account. That's 576 00:28:37,640 --> 00:28:40,800 Speaker 3: just what I know that for some people, they really 577 00:28:40,800 --> 00:28:43,480 Speaker 3: want to have like every kind of expense catered for, 578 00:28:43,520 --> 00:28:44,680 Speaker 3: which I totally understand. 579 00:28:45,040 --> 00:28:48,760 Speaker 2: Yeah, it's just not for me interesting. I want to 580 00:28:48,760 --> 00:28:50,360 Speaker 2: see content of that fountain please. 581 00:28:50,400 --> 00:28:52,320 Speaker 3: Oh my gosh, well, I'm going to be so mad 582 00:28:52,360 --> 00:28:53,920 Speaker 3: if I buy it and then she doesn't. 583 00:28:54,080 --> 00:28:54,840 Speaker 2: Yeah, exactly. 584 00:28:55,160 --> 00:28:57,440 Speaker 3: I could spend that money and she could just do 585 00:28:57,480 --> 00:28:59,920 Speaker 3: the classic cat thing and be like, I don't want that. 586 00:29:00,320 --> 00:29:02,160 Speaker 2: I'm just looking at it now. It's actually very sheep 587 00:29:02,640 --> 00:29:03,000 Speaker 2: what they do. 588 00:29:03,000 --> 00:29:03,400 Speaker 3: Beautiful. 589 00:29:03,480 --> 00:29:05,600 Speaker 2: They have these pet mats that I really want to get, 590 00:29:05,640 --> 00:29:07,760 Speaker 2: but they're also like fifty dollars and I was just, 591 00:29:08,240 --> 00:29:10,040 Speaker 2: pet mat, is that what they You just put it 592 00:29:10,080 --> 00:29:12,800 Speaker 2: like under their food so that if they're messy eat 593 00:29:12,840 --> 00:29:14,760 Speaker 2: it or they spill the water, it doesn't go on 594 00:29:14,760 --> 00:29:16,440 Speaker 2: the floor, right, Okay. 595 00:29:16,240 --> 00:29:19,640 Speaker 3: Honestly, probably really unnecessary. But they're beautiful, pal and I 596 00:29:19,680 --> 00:29:23,040 Speaker 3: want them, but I draw the line there. Yeah, okay, 597 00:29:23,240 --> 00:29:27,040 Speaker 3: fair cool. Alexandra asked have we got any New Year's goals? 598 00:29:27,080 --> 00:29:30,480 Speaker 3: Have you been thinking about it? And you yeah, is 599 00:29:30,520 --> 00:29:32,360 Speaker 3: it too soon? It's not. 600 00:29:32,400 --> 00:29:34,920 Speaker 2: I don't think it's too soon, my goodness, when nearlie 601 00:29:34,960 --> 00:29:37,680 Speaker 2: at the end of the year. But I would say, 602 00:29:37,800 --> 00:29:41,360 Speaker 2: based on the last two years, like, I think the 603 00:29:41,440 --> 00:29:43,840 Speaker 2: most we can do is just keep on keeping on, 604 00:29:44,360 --> 00:29:49,080 Speaker 2: keep smiling, keep loving, keep laughing. I just think setting 605 00:29:49,120 --> 00:29:52,760 Speaker 2: any kind of goal is like just setting yourself up 606 00:29:52,800 --> 00:30:03,720 Speaker 2: for failure? Is that that's actually very true? The real 607 00:30:03,800 --> 00:30:05,880 Speaker 2: George comes out when Vicki's not here. 608 00:30:06,280 --> 00:30:06,760 Speaker 3: Bizarre. 609 00:30:07,120 --> 00:30:08,520 Speaker 2: What would you say your goals are? 610 00:30:08,640 --> 00:30:12,440 Speaker 3: Well, I mean a house. I yeah one. It's my 611 00:30:12,720 --> 00:30:16,080 Speaker 3: singular focus right now. It's actually a little bit crazy 612 00:30:16,160 --> 00:30:18,240 Speaker 3: how much I think about it. I reckon three times 613 00:30:18,280 --> 00:30:20,719 Speaker 3: a day. I log onto the money Smart website and 614 00:30:20,760 --> 00:30:23,000 Speaker 3: just play with the mortgage repayment calculator to be like, 615 00:30:23,360 --> 00:30:26,600 Speaker 3: what can I do? How fast can I do it? Yeah? 616 00:30:26,760 --> 00:30:27,640 Speaker 3: Neagaet level. 617 00:30:27,880 --> 00:30:29,080 Speaker 2: That's so exciting though. 618 00:30:29,160 --> 00:30:31,640 Speaker 3: Yeah. So with that, and I would love to get 619 00:30:31,720 --> 00:30:35,680 Speaker 3: my investment portfolio, which is currently quite small, I'd love 620 00:30:35,720 --> 00:30:37,240 Speaker 3: to get that up to ten K. I think that 621 00:30:37,240 --> 00:30:41,320 Speaker 3: would be really exciting. You know, remains to be see 622 00:30:41,360 --> 00:30:43,400 Speaker 3: if I can do that, but that would probably be 623 00:30:43,480 --> 00:30:45,000 Speaker 3: my second like big one. 624 00:30:45,160 --> 00:30:47,120 Speaker 2: Incredible. I'm going to jump on that and say that 625 00:30:47,200 --> 00:30:49,200 Speaker 2: I'm also going to start investing next year. 626 00:30:49,240 --> 00:30:51,360 Speaker 3: How's that that's more positive? You can do it. You've 627 00:30:51,400 --> 00:30:53,800 Speaker 3: been saying it for so long. I really believe time 628 00:30:53,920 --> 00:30:54,600 Speaker 3: to take the plunge. 629 00:30:54,600 --> 00:30:55,760 Speaker 2: All right, hold me to it. 630 00:30:55,880 --> 00:30:59,200 Speaker 3: Yeah, we will remind you, Okay, so Victoria's not here. 631 00:30:59,640 --> 00:31:02,880 Speaker 3: I thought we could maybe try one or two financing 632 00:31:03,000 --> 00:31:06,720 Speaker 3: questions with the caveat that we are not financial advisors, 633 00:31:07,040 --> 00:31:08,560 Speaker 3: and this is also not personal advised. 634 00:31:08,640 --> 00:31:11,840 Speaker 2: I can see us getting some really negative Apple reviews 635 00:31:12,240 --> 00:31:13,040 Speaker 2: off the back of this. 636 00:31:14,600 --> 00:31:17,240 Speaker 3: We're playing with fire. If you think we do a 637 00:31:17,240 --> 00:31:19,320 Speaker 3: good job, please don't please go leave us a positive 638 00:31:19,320 --> 00:31:21,480 Speaker 3: Apple peat virus. 639 00:31:21,600 --> 00:31:25,200 Speaker 2: Yeah, exactly. If you don't, just don't worry about it, 640 00:31:25,800 --> 00:31:29,680 Speaker 2: just turn it off. So Julie asked, I have about 641 00:31:29,760 --> 00:31:32,280 Speaker 2: ten thousand dollars in commission. Should I invest it or 642 00:31:32,320 --> 00:31:35,760 Speaker 2: putting it into savings for a house deposit. Now, as 643 00:31:35,800 --> 00:31:38,080 Speaker 2: we said, this is not advice. We can't tell you 644 00:31:38,160 --> 00:31:41,280 Speaker 2: personally what to do, is it what you would do? 645 00:31:41,400 --> 00:31:45,240 Speaker 3: Maybe? Well, yeah, or even how to come to that decision. 646 00:31:45,480 --> 00:31:48,240 Speaker 3: I think that you know, as we were just talking 647 00:31:48,240 --> 00:31:51,120 Speaker 3: about you, you can have a goal, absolutely, but you 648 00:31:51,200 --> 00:31:54,560 Speaker 3: sometimes have to prioritize one over the other. You can 649 00:31:54,600 --> 00:31:58,640 Speaker 3: achieve anything, but you can't do everything, particularly all at once. 650 00:31:58,880 --> 00:32:00,720 Speaker 3: Is a quote that I really like. I might have 651 00:32:01,280 --> 00:32:03,600 Speaker 3: messed that up slightly, so apologies if I say it, 652 00:32:04,280 --> 00:32:06,720 Speaker 3: but I think it's really true, and especially when it 653 00:32:06,760 --> 00:32:09,520 Speaker 3: comes to finance, I think that sometimes you've got to 654 00:32:09,600 --> 00:32:12,920 Speaker 3: kind of go, Okay, this is my number one goal 655 00:32:13,160 --> 00:32:15,920 Speaker 3: that I am focusing on. So talking about me personally, 656 00:32:15,960 --> 00:32:18,400 Speaker 3: as I've been saying, the house is my goal. Investing 657 00:32:18,440 --> 00:32:20,320 Speaker 3: is something that's really important to me. But I have 658 00:32:20,520 --> 00:32:24,040 Speaker 3: scaled back the amount that I have been investing and 659 00:32:24,400 --> 00:32:27,440 Speaker 3: redirected that into my house deposit because for me, that's 660 00:32:27,480 --> 00:32:31,040 Speaker 3: my number one goal, and you know, something kind of 661 00:32:31,080 --> 00:32:32,600 Speaker 3: had to give to be able to get me where 662 00:32:32,600 --> 00:32:34,720 Speaker 3: I wanted to go in the timeframe that I wanted 663 00:32:34,760 --> 00:32:36,760 Speaker 3: to do it. I kind of felt like I did 664 00:32:36,920 --> 00:32:39,920 Speaker 3: need to pick something to focus on. That doesn't mean 665 00:32:39,920 --> 00:32:42,680 Speaker 3: that it's forever and once I kind of get on 666 00:32:42,800 --> 00:32:45,200 Speaker 3: track with that, you know, as I said before, coming 667 00:32:45,240 --> 00:32:48,080 Speaker 3: back to investing is something that's very important to me. 668 00:32:48,800 --> 00:32:52,640 Speaker 3: But I do think that maybe Julie, you kind of 669 00:32:52,720 --> 00:32:54,120 Speaker 3: just have to have a look at it and go 670 00:32:54,240 --> 00:32:57,920 Speaker 3: which goal is more important to you with investing. Obviously, 671 00:32:58,080 --> 00:33:00,440 Speaker 3: time in the market is money. The longer you're there, 672 00:33:00,480 --> 00:33:03,200 Speaker 3: the longer you have time for your money to compound. 673 00:33:04,480 --> 00:33:08,240 Speaker 3: But conversely, the market, as we said, is increasing exponentially, 674 00:33:08,320 --> 00:33:11,000 Speaker 3: so it might be quite challenging to do both. And 675 00:33:11,040 --> 00:33:13,400 Speaker 3: I think potentially the best way to make that decision 676 00:33:13,440 --> 00:33:16,280 Speaker 3: would be to really look at your goals and really 677 00:33:16,360 --> 00:33:19,280 Speaker 3: clearly outline what you want to achieve and in what 678 00:33:19,320 --> 00:33:22,920 Speaker 3: time frame, and hopefully, hopefully that will help answer your question. 679 00:33:23,440 --> 00:33:27,600 Speaker 3: Do you any thoughts? Do took the words out of 680 00:33:27,640 --> 00:33:33,400 Speaker 3: my mouth? That was so impressive? Or yes, that was 681 00:33:33,560 --> 00:33:34,160 Speaker 3: so good. 682 00:33:35,000 --> 00:33:36,680 Speaker 2: The only thing I would add to that would be, 683 00:33:36,760 --> 00:33:40,040 Speaker 2: maybe think about timelines. So if you're looking at buying 684 00:33:40,080 --> 00:33:43,560 Speaker 2: a house in ten years, then perhaps do invest that money. 685 00:33:44,480 --> 00:33:46,920 Speaker 2: But if we're looking at buying a house in the 686 00:33:46,920 --> 00:33:50,000 Speaker 2: next couple of years, maybe maybe don't do that. That's 687 00:33:50,040 --> 00:33:52,080 Speaker 2: what I would say. George's two cents. 688 00:33:52,160 --> 00:33:52,760 Speaker 3: I really like it. 689 00:33:52,800 --> 00:33:54,040 Speaker 2: That's a really great Thanks so much. 690 00:33:54,120 --> 00:33:56,600 Speaker 3: Here's one that I personally love to see. Tips for 691 00:33:56,680 --> 00:34:01,719 Speaker 3: finding quality items on Deep hop thrifting Facebook marketplace. How 692 00:34:01,760 --> 00:34:03,720 Speaker 3: don't know if it's good? Ge you and I both 693 00:34:03,760 --> 00:34:07,320 Speaker 3: love a secondhand bargain. If this question was good for anyone, 694 00:34:07,360 --> 00:34:11,080 Speaker 3: it was asked and you always are immaculately dressed your 695 00:34:11,120 --> 00:34:14,920 Speaker 3: style stop it. How do you find the goods? How 696 00:34:14,960 --> 00:34:15,399 Speaker 3: do you know? 697 00:34:15,800 --> 00:34:19,080 Speaker 2: Okay, so I'm I was gonna say I'm older than you. 698 00:34:19,160 --> 00:34:21,760 Speaker 2: I'm not. I'm not older than you. I feel older 699 00:34:21,760 --> 00:34:25,799 Speaker 2: than you. You're so much hippa and yell, and that's 700 00:34:25,880 --> 00:34:29,720 Speaker 2: not true at all. So you're like the online thrift queen, 701 00:34:29,800 --> 00:34:33,279 Speaker 2: whereas I'm better in store at getting down there and 702 00:34:33,400 --> 00:34:36,840 Speaker 2: down hitting the shop. Yeah yeah, yeah, yeah, So I 703 00:34:37,280 --> 00:34:39,759 Speaker 2: love a good op shop, and I think the keys 704 00:34:39,920 --> 00:34:43,440 Speaker 2: for me would be one, never up shop when you're hungover. 705 00:34:43,760 --> 00:34:46,120 Speaker 2: You will buy some heinous things that you don't need 706 00:34:46,160 --> 00:34:49,080 Speaker 2: and they will end up in landfill. The second's tip 707 00:34:49,400 --> 00:34:55,920 Speaker 2: would just be caffeination and dedication and fascination and imagination. 708 00:34:56,560 --> 00:35:00,239 Speaker 2: I think you when you're hitting the uppies, you've really 709 00:35:00,239 --> 00:35:02,759 Speaker 2: need to be dedicated to the cause. You need to 710 00:35:02,800 --> 00:35:05,680 Speaker 2: look in every aisle, you need to play with gender, 711 00:35:05,920 --> 00:35:08,320 Speaker 2: you need to have fun, and you need to be yourself. 712 00:35:09,400 --> 00:35:12,560 Speaker 2: So that's my big advice for up shopping and hit 713 00:35:12,680 --> 00:35:15,640 Speaker 2: up like the rich people's suburbs. That because the point 714 00:35:16,360 --> 00:35:19,800 Speaker 2: the hot old ladies. They're throwing away some fancy stuff 715 00:35:19,840 --> 00:35:21,920 Speaker 2: that you can pick up for three dollars. 716 00:35:21,560 --> 00:35:23,759 Speaker 3: And everything comes around like they would have worn it 717 00:35:23,880 --> 00:35:24,759 Speaker 3: fifty years ago. 718 00:35:25,160 --> 00:35:28,800 Speaker 2: Exactly trend now, yes, yes, yes, yes, So they're my tips. 719 00:35:28,800 --> 00:35:31,000 Speaker 2: What about you depop coin, Yeah, well. 720 00:35:31,120 --> 00:35:35,120 Speaker 3: I Yeah, I really love an online secondhand opportunity, And 721 00:35:35,760 --> 00:35:38,080 Speaker 3: you know, it might be the lazy option because I'm 722 00:35:38,120 --> 00:35:42,160 Speaker 3: not sitting there rifling through things individually. I tend to 723 00:35:42,200 --> 00:35:45,839 Speaker 3: stick to brands that I know, And if you've been 724 00:35:45,840 --> 00:35:47,720 Speaker 3: around for a little bit, you know I'm really big 725 00:35:47,920 --> 00:35:52,840 Speaker 3: on the concept of Facebook marketplace manifestation. I am convinced 726 00:35:53,520 --> 00:35:56,480 Speaker 3: I can manifest any specific thing that I want on 727 00:35:56,480 --> 00:35:58,400 Speaker 3: to Facebook markplace. I have done it so many times, 728 00:35:58,719 --> 00:36:01,120 Speaker 3: and I think that really comes down to, and it 729 00:36:01,120 --> 00:36:05,360 Speaker 3: goes for deepop or any other online platform as well. Keywords. 730 00:36:05,440 --> 00:36:07,880 Speaker 3: So if you're looking for something from a brand, have 731 00:36:07,960 --> 00:36:09,840 Speaker 3: the notifications on for that brand. You can do that 732 00:36:09,880 --> 00:36:11,480 Speaker 3: on deepop. You can do that on Facebook. It will 733 00:36:11,520 --> 00:36:15,480 Speaker 3: notify you whenever somebody lists something. Look for descriptions as well, 734 00:36:15,520 --> 00:36:18,880 Speaker 3: particularly with things like furniture. People might have bought a 735 00:36:18,920 --> 00:36:20,759 Speaker 3: couch and not remembered where they bought it from, so 736 00:36:20,800 --> 00:36:24,440 Speaker 3: instead of saying what I kia sodohom couch, it might 737 00:36:24,560 --> 00:36:27,920 Speaker 3: say white couch or ike couch. So like kind of 738 00:36:27,920 --> 00:36:31,040 Speaker 3: looking for those keywords. And then when it comes to fashion, 739 00:36:31,800 --> 00:36:35,240 Speaker 3: I will look for the brands that I know, particularly 740 00:36:35,239 --> 00:36:37,040 Speaker 3: in the sizes that I know, because the hard thing 741 00:36:37,040 --> 00:36:39,160 Speaker 3: about doing it online is you can't try it on. Obviously, 742 00:36:39,600 --> 00:36:42,239 Speaker 3: you can always onsell it though, so the risk is 743 00:36:42,400 --> 00:36:46,239 Speaker 3: relatively low. But if I want something, I will storm, 744 00:36:46,880 --> 00:36:50,919 Speaker 3: I will stalk deep Hop, Poshmark, Facebook. All of them 745 00:36:51,120 --> 00:36:53,960 Speaker 3: are my dress, someone actually asked in the question we 746 00:36:54,040 --> 00:36:56,600 Speaker 3: posted a really cute photo of me and g Someone 747 00:36:56,680 --> 00:36:58,920 Speaker 3: asked where the dress I was wearing is from. It's 748 00:36:58,960 --> 00:37:01,759 Speaker 3: from House of Ceabe. It's like a two hundred and 749 00:37:01,800 --> 00:37:04,200 Speaker 3: fifty dollars dress, which is so much money, but I 750 00:37:04,239 --> 00:37:06,680 Speaker 3: got it on deepop for one hundred and twenty bucks. Amazing. 751 00:37:07,360 --> 00:37:09,720 Speaker 3: I was stalking the House of cb tag on deepop 752 00:37:09,800 --> 00:37:12,440 Speaker 3: for weeks and weeks and weeks until they turned up. 753 00:37:12,560 --> 00:37:20,520 Speaker 3: So dedic dedication, imagination, sophistication, clarification. 754 00:37:20,880 --> 00:37:21,839 Speaker 2: I know you've nailed it. 755 00:37:22,280 --> 00:37:24,719 Speaker 3: Yeah, dude, maybe you should create. 756 00:37:24,520 --> 00:37:27,600 Speaker 2: A side hustle that's like personal buying with j Rick 757 00:37:27,760 --> 00:37:30,560 Speaker 2: and people come to you. They're like, sis, find me 758 00:37:30,800 --> 00:37:33,520 Speaker 2: this chic Nignata shirt. I don't want to pay more 759 00:37:33,560 --> 00:37:36,120 Speaker 2: than two hundred dollars for it. Go and then you're 760 00:37:36,160 --> 00:37:39,200 Speaker 2: assigned a three week period. Three to four weeks, you 761 00:37:39,280 --> 00:37:42,120 Speaker 2: find the atom and you send out an invoice girl 762 00:37:42,239 --> 00:37:42,839 Speaker 2: like that could be. 763 00:37:43,000 --> 00:37:45,399 Speaker 3: To be honest, I don't know if I'm that good. 764 00:37:45,960 --> 00:37:46,600 Speaker 3: I think you are. 765 00:37:46,640 --> 00:37:48,280 Speaker 2: Don't sell yourself short, but yeah. 766 00:37:48,120 --> 00:37:50,480 Speaker 3: Like really, I think it's as you say, the ations, 767 00:37:50,520 --> 00:37:54,879 Speaker 3: the dedication, the sophistication. It's just about getting out there, 768 00:37:55,040 --> 00:37:58,439 Speaker 3: whether you're instare or online, doing those things. Making sure 769 00:37:58,440 --> 00:38:01,080 Speaker 3: that there's photos, and if you're buying online, ask them 770 00:38:01,120 --> 00:38:03,920 Speaker 3: for photos the actual garment because people will often just 771 00:38:03,960 --> 00:38:06,719 Speaker 3: post the stock image from the website. Make sure that 772 00:38:06,760 --> 00:38:09,000 Speaker 3: you get photos of the actual thing so that you 773 00:38:09,040 --> 00:38:11,680 Speaker 3: can make sure that it hasn't got like tears or baby. 774 00:38:11,840 --> 00:38:14,120 Speaker 2: Yeah, definitely smart. 775 00:38:14,280 --> 00:38:18,640 Speaker 3: I reckon We've given enough that a lot of cues, 776 00:38:18,800 --> 00:38:21,440 Speaker 3: some questionable a's from us, a lot of fun to 777 00:38:21,480 --> 00:38:25,520 Speaker 3: be had around Ah, for sure, no one unless they 778 00:38:25,520 --> 00:38:30,600 Speaker 3: well yeah in that case. Yeah. But just before we 779 00:38:30,640 --> 00:38:32,680 Speaker 3: head off, we would really like to acknowledge and pay 780 00:38:32,719 --> 00:38:36,400 Speaker 3: respect to Australia's Aboriginal and Torros Strait islander people's the 781 00:38:36,440 --> 00:38:39,640 Speaker 3: traditional customes of the lands, the waterways and the skies 782 00:38:39,840 --> 00:38:42,719 Speaker 3: all across Australia. We thank you for sharing and for 783 00:38:42,800 --> 00:38:45,000 Speaker 3: carrying on the land on which we are able to learn. 784 00:38:45,320 --> 00:38:47,759 Speaker 3: We pay our respects to elders past and present, and 785 00:38:47,800 --> 00:38:49,920 Speaker 3: we share our friendship and our kindness. 786 00:38:50,239 --> 00:38:52,719 Speaker 2: And remember, guys, that the advice shared on She's on 787 00:38:52,760 --> 00:38:55,200 Speaker 2: the Money is general in nature and does not consider 788 00:38:55,280 --> 00:38:58,680 Speaker 2: your individual circumstances. She's on the Money exists purely for 789 00:38:58,800 --> 00:39:01,759 Speaker 2: educational purposes, should not be relied upon to make an 790 00:39:01,800 --> 00:39:05,880 Speaker 2: investment or a financial decision, especially today. And we promise 791 00:39:06,080 --> 00:39:09,040 Speaker 2: Victoria divine and not that She's here is an authorized 792 00:39:09,120 --> 00:39:12,920 Speaker 2: representative of Australia Pacific Funds Management Proprietary Limited a b 793 00:39:13,120 --> 00:39:15,480 Speaker 2: N three four one three two four six three two 794 00:39:15,520 --> 00:39:19,479 Speaker 2: five seven AFSL three three nine one five one having 795 00:39:19,760 --> 00:39:28,000 Speaker 2: guy bye