1 00:00:00,680 --> 00:00:03,240 Speaker 1: Just before we get started, we'd like to acknowledge and 2 00:00:03,360 --> 00:00:07,040 Speaker 1: pay respect to Australia's Aboriginal and torrest Rate islander people's. 3 00:00:07,320 --> 00:00:10,600 Speaker 1: They're the traditional custodians of the lands, the waterways and 4 00:00:10,640 --> 00:00:14,040 Speaker 1: the skies all across Australia. We thank you for sharing 5 00:00:14,120 --> 00:00:16,160 Speaker 1: and for caring for the land on which we are 6 00:00:16,200 --> 00:00:19,680 Speaker 1: able to learn. We pay respects to elders past and present, 7 00:00:19,760 --> 00:00:22,000 Speaker 1: and we share our friendship and our kindness. 8 00:00:22,520 --> 00:00:41,760 Speaker 2: She's on the Money, She's on the Money. 9 00:00:45,479 --> 00:00:48,120 Speaker 3: Hello, and welcome to She's on the Money, the podcast 10 00:00:48,200 --> 00:00:51,400 Speaker 3: Millennials who want Financial Freedom. Welcome back to a Shop 11 00:00:51,440 --> 00:00:53,640 Speaker 3: Back Money Diary Monday, where we chat to one of 12 00:00:53,640 --> 00:00:56,400 Speaker 3: our gorgeous community members and learn about them and their 13 00:00:56,440 --> 00:00:59,000 Speaker 3: story and what they're doing and where they've been and 14 00:00:59,120 --> 00:01:01,560 Speaker 3: just ask a whole heap of questions. I feel like 15 00:01:01,640 --> 00:01:03,560 Speaker 3: I need a new way to introduce these episodes, b 16 00:01:03,720 --> 00:01:05,840 Speaker 3: because I was about to say I've got a good one, 17 00:01:05,920 --> 00:01:07,399 Speaker 3: as if I don't always have a good. 18 00:01:07,240 --> 00:01:09,640 Speaker 1: One, as if you don't always use that cat correct. 19 00:01:10,280 --> 00:01:12,600 Speaker 1: Do you know what, Let's take this offline. You and 20 00:01:12,640 --> 00:01:15,000 Speaker 1: I straight after this chat, we're going to sit down 21 00:01:15,160 --> 00:01:18,680 Speaker 1: and write a very sassy very funny new intro, and 22 00:01:18,720 --> 00:01:21,319 Speaker 1: it's going to apply absolutely no pressure to us in 23 00:01:21,360 --> 00:01:23,400 Speaker 1: the future because we aren't going to be looking for it. 24 00:01:23,440 --> 00:01:25,160 Speaker 3: I love it alrighty well, let me get into this 25 00:01:25,400 --> 00:01:29,360 Speaker 3: low key good one our Diaris said. My summarized money 26 00:01:29,360 --> 00:01:31,000 Speaker 3: diary is that I quit my nine to five job 27 00:01:31,080 --> 00:01:34,520 Speaker 3: in Diversity and the Inclusion due to hating the office environment 28 00:01:34,560 --> 00:01:36,880 Speaker 3: and mental health issues, and decided to try work for 29 00:01:36,920 --> 00:01:40,319 Speaker 3: myself as both a gardener and a sex worker. Oh sick, 30 00:01:40,480 --> 00:01:42,679 Speaker 3: I know then covid here and I couldn't really do 31 00:01:42,880 --> 00:01:45,440 Speaker 3: either for most of the lockdowns. I decided to go 32 00:01:45,600 --> 00:01:48,120 Speaker 3: back to study, and I'm always halfway through a counseling 33 00:01:48,160 --> 00:01:50,920 Speaker 3: degree and I'm still working casually. I feel like when 34 00:01:50,960 --> 00:01:52,800 Speaker 3: I had a salary, I was kicking all of my 35 00:01:52,880 --> 00:01:55,760 Speaker 3: financial goals. I had sixty thousand dollars in savings, hoping 36 00:01:55,800 --> 00:01:58,560 Speaker 3: to buy a house, investments and emergency fund, et cetera. 37 00:01:59,040 --> 00:02:01,600 Speaker 3: I still have all of that those things. My savings 38 00:02:01,640 --> 00:02:03,440 Speaker 3: have gone down a little bit, but now I just 39 00:02:03,440 --> 00:02:05,840 Speaker 3: don't know how to make my weird, stunted cash flow 40 00:02:05,840 --> 00:02:08,200 Speaker 3: work for me anymore. I also mainly get paid in 41 00:02:08,240 --> 00:02:10,440 Speaker 3: cash from learning how to keep track of spending, do 42 00:02:10,560 --> 00:02:13,560 Speaker 3: my taxes, etc. I would love to seek financial advice, 43 00:02:13,600 --> 00:02:15,760 Speaker 3: but also just do not make the money. I feel 44 00:02:15,760 --> 00:02:17,760 Speaker 3: like I would need to justify that. 45 00:02:17,840 --> 00:02:19,560 Speaker 1: Oh my gosh, No, do you know how many sex 46 00:02:19,600 --> 00:02:21,840 Speaker 1: worker clients I have money? Diris, We've got you on 47 00:02:21,880 --> 00:02:23,600 Speaker 1: the line. I want to talk to you after this. 48 00:02:23,800 --> 00:02:27,400 Speaker 1: We've got a lot of conversation to have. Great welcome 49 00:02:27,440 --> 00:02:29,799 Speaker 1: to the show. Thank you for wanting to share your 50 00:02:29,840 --> 00:02:30,800 Speaker 1: story with us. 51 00:02:31,360 --> 00:02:32,200 Speaker 4: Thanks for having me. 52 00:02:32,360 --> 00:02:35,360 Speaker 1: Oh my gosh, of course, I'm really excited about it. 53 00:02:35,400 --> 00:02:37,760 Speaker 1: I feel like it sounds like you've got a bit 54 00:02:37,800 --> 00:02:39,959 Speaker 1: of a kick in the guts having quit your job 55 00:02:40,120 --> 00:02:44,000 Speaker 1: pre COVID and then gone straight into two roles that 56 00:02:44,160 --> 00:02:46,400 Speaker 1: arguably need you to be present and you aren't allowed 57 00:02:46,400 --> 00:02:48,720 Speaker 1: to do that during COVID. I'm so sorry to hear that. 58 00:02:50,000 --> 00:02:53,560 Speaker 4: Yeah, look, the timing wasn't ideal. Yeah, less than I 59 00:02:53,560 --> 00:02:57,040 Speaker 4: don't regret my decision, like I don't regret leaving my 60 00:02:57,240 --> 00:03:02,400 Speaker 4: office job. But yes, the timing wasn't so yeah, yeah, 61 00:03:02,400 --> 00:03:03,000 Speaker 4: what can you do? 62 00:03:03,160 --> 00:03:05,120 Speaker 1: But there's always a light at the end of the tunnel. 63 00:03:05,320 --> 00:03:07,320 Speaker 1: I would love to know more about you, though, So 64 00:03:07,400 --> 00:03:09,840 Speaker 1: let's get into the structured questions because I feel like 65 00:03:09,880 --> 00:03:12,480 Speaker 1: they give us a really good foundation to have a 66 00:03:12,480 --> 00:03:16,480 Speaker 1: good conversation about your money story. So, money Diarist, can 67 00:03:16,520 --> 00:03:18,720 Speaker 1: you tell us a little bit about your money story? 68 00:03:18,919 --> 00:03:22,600 Speaker 4: Well? Yeah, like I said, I feel like maybe two 69 00:03:22,639 --> 00:03:25,079 Speaker 4: years ago is in a really different place to where 70 00:03:25,120 --> 00:03:29,800 Speaker 4: I am right now. I was feeling incredibly confident and 71 00:03:29,840 --> 00:03:33,560 Speaker 4: sort of yeah, on my way to financial freedom and 72 00:03:33,680 --> 00:03:36,120 Speaker 4: just you know, sort of had a system in place 73 00:03:36,160 --> 00:03:38,680 Speaker 4: and felt really really good about it and that was wonderful. 74 00:03:38,720 --> 00:03:41,360 Speaker 4: But yeah, as you just summarize, you know, there's a 75 00:03:41,400 --> 00:03:44,000 Speaker 4: few big life changes in the way I work, and 76 00:03:45,000 --> 00:03:48,600 Speaker 4: right now I just feel like I've lost all my confidence, 77 00:03:48,640 --> 00:03:51,400 Speaker 4: like in financial stuff. I mean, I'm still really lucky 78 00:03:51,480 --> 00:03:52,920 Speaker 4: in that I have a safety now, I still have 79 00:03:52,960 --> 00:03:55,280 Speaker 4: an emergency fund, I still have some savings, but the 80 00:03:55,320 --> 00:03:58,600 Speaker 4: idea of like buying a house not happening, not for 81 00:03:58,680 --> 00:04:01,720 Speaker 4: like five years, I can now, and I just like 82 00:04:01,800 --> 00:04:03,400 Speaker 4: don't know what I'm doing. 83 00:04:04,440 --> 00:04:09,560 Speaker 1: Feeling a bit lost. Yeah, money, I feel like that's 84 00:04:09,600 --> 00:04:12,440 Speaker 1: really common though, going from being somebody who was an 85 00:04:12,480 --> 00:04:15,640 Speaker 1: employee where it feels incredibly structured and your tax is 86 00:04:15,800 --> 00:04:18,240 Speaker 1: kind of done for you in a way, like there's 87 00:04:18,279 --> 00:04:20,839 Speaker 1: a lot of things that are automated, so when you 88 00:04:20,880 --> 00:04:22,479 Speaker 1: go out on your own, you kind of go, what 89 00:04:22,800 --> 00:04:24,840 Speaker 1: this is much more. I feel like I've bitten off 90 00:04:24,839 --> 00:04:26,520 Speaker 1: more than I can chewe now, is that kind of 91 00:04:26,560 --> 00:04:27,440 Speaker 1: how you're feeling. 92 00:04:27,680 --> 00:04:30,080 Speaker 4: Totally, like doing my taxes for the first time as well, 93 00:04:30,120 --> 00:04:31,800 Speaker 4: was he such like a kick in the guts? Was 94 00:04:31,839 --> 00:04:33,200 Speaker 4: like I have to pay how much? 95 00:04:34,320 --> 00:04:35,320 Speaker 1: So much money? 96 00:04:35,560 --> 00:04:40,040 Speaker 4: Because I hadn't like set aside as I was long, Yeah, totally, 97 00:04:40,120 --> 00:04:41,680 Speaker 4: you know, I just didn't know what. 98 00:04:41,920 --> 00:04:45,760 Speaker 3: Yeah, as someone who freelances, my best tip is set 99 00:04:45,760 --> 00:04:48,080 Speaker 3: aside more than you'll think you need, because then at 100 00:04:48,080 --> 00:04:49,680 Speaker 3: tax time if you don't use it all, it's like 101 00:04:49,720 --> 00:04:50,840 Speaker 3: a little bonus. 102 00:04:50,440 --> 00:04:51,320 Speaker 1: That comes back to you. 103 00:04:51,560 --> 00:04:52,680 Speaker 4: Yeah. Good tip. 104 00:04:53,040 --> 00:04:55,000 Speaker 1: And I don't know if you've listened to all of 105 00:04:55,000 --> 00:04:57,520 Speaker 1: the Business Bible episodes, but you should go and do that, 106 00:04:57,640 --> 00:05:01,040 Speaker 1: my friend, because I promise they're super helpful. Like I'm biased, 107 00:05:01,040 --> 00:05:03,839 Speaker 1: it's my other podcast, but I genuinely know that they 108 00:05:03,880 --> 00:05:05,320 Speaker 1: would help you in your situation. 109 00:05:05,839 --> 00:05:06,920 Speaker 4: Yeah, I'll check them out. 110 00:05:07,520 --> 00:05:10,320 Speaker 1: Thank you, thank you. Let's move on to the next question. 111 00:05:10,440 --> 00:05:12,840 Speaker 1: The next question is what do you do for work 112 00:05:12,880 --> 00:05:14,719 Speaker 1: and how much money do you earn? 113 00:05:15,160 --> 00:05:18,080 Speaker 4: Okay, So yeah, I mean it's been a weird time 114 00:05:18,080 --> 00:05:20,520 Speaker 4: over the last two years. So in terms of how 115 00:05:20,600 --> 00:05:23,000 Speaker 4: much I earn, I feel like I can'tently give you 116 00:05:23,000 --> 00:05:25,839 Speaker 4: a solid number. To be honest, I do keep tracking 117 00:05:25,839 --> 00:05:28,799 Speaker 4: a spreadsheet going back what I actually do, I should 118 00:05:28,800 --> 00:05:33,080 Speaker 4: start with. So I'm a gardener part time casually. I 119 00:05:33,120 --> 00:05:35,560 Speaker 4: do that sort of depending how busy I am with 120 00:05:35,680 --> 00:05:38,239 Speaker 4: UNI one two days a week. I work with someone 121 00:05:38,279 --> 00:05:40,039 Speaker 4: else half the time. Half the time. I have my 122 00:05:40,080 --> 00:05:44,119 Speaker 4: own clients, and I just got into that through my friend. 123 00:05:44,200 --> 00:05:47,159 Speaker 4: I'm not qualified as such. I have a science degree, 124 00:05:47,200 --> 00:05:50,159 Speaker 4: but I'm not like a qualified horticultural So my friend 125 00:05:50,200 --> 00:05:52,160 Speaker 4: was lucky enough to take me under her wingers kind 126 00:05:52,160 --> 00:05:54,160 Speaker 4: of like an apprentice, and I just learned from her 127 00:05:54,320 --> 00:05:57,279 Speaker 4: and then got on air tasker, got clients through that 128 00:05:57,440 --> 00:05:58,200 Speaker 4: through What of mouth? 129 00:05:58,360 --> 00:06:00,200 Speaker 1: Do you enjoy it? That sounds like I really fun, 130 00:06:00,240 --> 00:06:01,120 Speaker 1: outdoorsy job. 131 00:06:01,520 --> 00:06:04,600 Speaker 4: I love it. I'm a really like active, outdoorsy kind 132 00:06:04,640 --> 00:06:07,960 Speaker 4: of nature person, so I love it. It's a really physical job, 133 00:06:08,000 --> 00:06:10,360 Speaker 4: so it can be tough, but yeah, I love it, 134 00:06:10,400 --> 00:06:13,080 Speaker 4: and I don't know, yeah, it's really therapeutic. It's really 135 00:06:13,160 --> 00:06:16,080 Speaker 4: nice to be out in sunshine and working with your body, 136 00:06:16,120 --> 00:06:19,200 Speaker 4: you know, like manual labor. It's like good honest or worker. 137 00:06:19,160 --> 00:06:22,480 Speaker 4: I guess, like I said, it's pretty hard work. Like 138 00:06:22,520 --> 00:06:24,080 Speaker 4: I feel like I've definitely had to go to the 139 00:06:24,080 --> 00:06:28,679 Speaker 4: physio a little more than I just because I'm thirty two. 140 00:06:29,120 --> 00:06:31,920 Speaker 1: Alo you're still a baby. 141 00:06:31,600 --> 00:06:35,440 Speaker 4: But my lower backsays otherwise, yeah, you know. So I 142 00:06:35,480 --> 00:06:37,880 Speaker 4: did that part time, and then my other job is 143 00:06:37,920 --> 00:06:40,320 Speaker 4: a sex worker, So I'm a full service sex worker. 144 00:06:40,480 --> 00:06:43,640 Speaker 4: So I work once a week at like an establishment, 145 00:06:43,720 --> 00:06:47,440 Speaker 4: and then I occasionally to the odd private client. But 146 00:06:47,920 --> 00:06:51,080 Speaker 4: like it's usually just at the establishment. I prefer that 147 00:06:51,120 --> 00:06:53,279 Speaker 4: to be honest, even though the money is not as good. 148 00:06:53,480 --> 00:06:56,480 Speaker 4: You have a receptionist who does your bookings, you're you know, 149 00:06:56,520 --> 00:06:58,720 Speaker 4: you have security. You know, it's all really structured in 150 00:06:58,720 --> 00:07:01,480 Speaker 4: that sort of sense. You have like that safety in it. 151 00:07:01,480 --> 00:07:04,520 Speaker 4: It's just much easier instead of doing your own admin 152 00:07:04,600 --> 00:07:06,480 Speaker 4: and you get a lot of time wasted be private 153 00:07:06,520 --> 00:07:08,800 Speaker 4: workers to be more frustrating. So I tend to just 154 00:07:08,839 --> 00:07:10,760 Speaker 4: stick with that. So I do that once a week, 155 00:07:11,000 --> 00:07:13,720 Speaker 4: and I love that. I've been doing that for three 156 00:07:13,840 --> 00:07:17,360 Speaker 4: years on and off. COVID obviously couldn't work at all. 157 00:07:17,520 --> 00:07:19,559 Speaker 4: I do have like a bit of an online thing going. 158 00:07:19,600 --> 00:07:22,760 Speaker 4: But to be honest, I hate doing that. I don't 159 00:07:22,960 --> 00:07:26,440 Speaker 4: tend really. Some people love it, and I think it's amazing, 160 00:07:26,520 --> 00:07:28,800 Speaker 4: like the freedom that it offers. I think that's like, 161 00:07:28,840 --> 00:07:32,000 Speaker 4: if you can do that, incredible. I just personally, I 162 00:07:32,000 --> 00:07:34,280 Speaker 4: don't really like being on camera, Like that's not really 163 00:07:34,320 --> 00:07:37,640 Speaker 4: my thing. I get really self conscious, and I I'm 164 00:07:37,640 --> 00:07:42,160 Speaker 4: not very savvy with like angles and makeup and stuff 165 00:07:42,200 --> 00:07:43,920 Speaker 4: like that. You think I would, I should be for 166 00:07:44,040 --> 00:07:45,320 Speaker 4: the industry, but I'm. 167 00:07:45,160 --> 00:07:48,360 Speaker 1: Just like, this ain't my thing. This is any we 168 00:07:48,520 --> 00:07:49,080 Speaker 1: tried it. 169 00:07:49,320 --> 00:07:52,040 Speaker 4: Yeah, I'm very much like a one on one in person, 170 00:07:52,520 --> 00:07:54,880 Speaker 4: you know. I feel like that's where I shine. And 171 00:07:54,960 --> 00:07:57,559 Speaker 4: so yeah, I mean it brings in a bit of money, 172 00:07:57,640 --> 00:08:01,160 Speaker 4: but yeah, like it's very much like I neglect it. 173 00:08:02,000 --> 00:08:04,680 Speaker 4: So but I love the in person work. I find 174 00:08:04,720 --> 00:08:07,480 Speaker 4: that really enjoyable. Again, it's kind of you know, it's 175 00:08:07,520 --> 00:08:10,440 Speaker 4: manual labor. It's very physical in that regard, but I 176 00:08:10,480 --> 00:08:14,160 Speaker 4: really enjoy the human element of it. So I'm studying counseling. 177 00:08:14,480 --> 00:08:16,320 Speaker 4: There's a lot of transferable skills there. 178 00:08:16,400 --> 00:08:21,440 Speaker 1: Absolutely there's a lot of just holding space for people, talking, 179 00:08:21,920 --> 00:08:26,360 Speaker 1: you know, seeing and being with someone vulnerable and you know, making. 180 00:08:26,080 --> 00:08:29,720 Speaker 4: Them feel good and whatever. So that's I do really 181 00:08:29,800 --> 00:08:30,679 Speaker 4: enjoy that as well. 182 00:08:30,880 --> 00:08:34,760 Speaker 1: Oh cool, Yeah, perfect question. How did you get into that? 183 00:08:34,920 --> 00:08:35,880 Speaker 4: It's something I'd never. 184 00:08:35,720 --> 00:08:36,440 Speaker 1: Really heard of? 185 00:08:36,840 --> 00:08:40,120 Speaker 4: And then I realized I had a couple of friends 186 00:08:40,160 --> 00:08:42,520 Speaker 4: who were doing it. Because it's not really an industry 187 00:08:42,559 --> 00:08:44,280 Speaker 4: hure about, like unless you know someone in it, I 188 00:08:44,280 --> 00:08:46,440 Speaker 4: feel like you don't know much about it. I get, 189 00:08:46,440 --> 00:08:50,920 Speaker 4: Well that was my sense anyway, my experience, and yeah, 190 00:08:50,960 --> 00:08:53,079 Speaker 4: I just had a friend doing it, and that kind 191 00:08:53,080 --> 00:08:55,680 Speaker 4: of normalized it, I guess, and created like an inn 192 00:08:56,080 --> 00:08:59,000 Speaker 4: and I asked her about it, and then I was 193 00:08:59,080 --> 00:09:01,800 Speaker 4: kind of like, I'm just gonna try it, and she 194 00:09:01,880 --> 00:09:04,280 Speaker 4: gave me like a lot of like these are some 195 00:09:04,280 --> 00:09:07,520 Speaker 4: good places that i've worked, recommend, you know, recommend these places, 196 00:09:07,760 --> 00:09:10,520 Speaker 4: stay away from these places kind of things. So and yeah, 197 00:09:10,520 --> 00:09:13,120 Speaker 4: I just went for like the job interview, had to 198 00:09:13,120 --> 00:09:14,040 Speaker 4: look around. 199 00:09:13,720 --> 00:09:16,280 Speaker 1: And decided it was the thing you wanted to give 200 00:09:16,280 --> 00:09:16,679 Speaker 1: a crack. 201 00:09:17,040 --> 00:09:19,200 Speaker 4: Yeah, and I've only been at the one place because 202 00:09:19,200 --> 00:09:22,640 Speaker 4: it's been amazing, Like management's amazing. It's a really friendly, 203 00:09:22,679 --> 00:09:25,360 Speaker 4: warm place. You really looked after this, So I've just 204 00:09:25,360 --> 00:09:27,920 Speaker 4: sort of stayed there and it's been awesome. 205 00:09:27,720 --> 00:09:30,480 Speaker 3: Great, And I know it's really hard because it has 206 00:09:30,520 --> 00:09:32,120 Speaker 3: a minute to be whyar for you and you're working 207 00:09:32,240 --> 00:09:35,400 Speaker 3: two inconsistent jobs. But if we don't ask at least 208 00:09:35,400 --> 00:09:38,040 Speaker 3: a ballpark salary, I will get so many deem Oh. 209 00:09:38,000 --> 00:09:40,480 Speaker 1: My gosh, yeah yeah, yeah, yeah. What do you make 210 00:09:40,520 --> 00:09:41,959 Speaker 1: from sex work? And then what do you make is 211 00:09:42,000 --> 00:09:42,440 Speaker 1: the gardener? 212 00:09:42,520 --> 00:09:46,000 Speaker 4: Yeah? Okay, so from gardening? Okay, if I work once 213 00:09:46,040 --> 00:09:50,400 Speaker 4: a week, I'd probably earn one hundred and fifty to 214 00:09:50,760 --> 00:09:54,040 Speaker 4: one hundred and eighty bucks from the day, Okay, like 215 00:09:54,080 --> 00:09:58,600 Speaker 4: thereabouts from sex work. It's so variable. Yeah, say work 216 00:09:58,640 --> 00:10:01,160 Speaker 4: once a week, So on a good week, thousand bucks, 217 00:10:01,360 --> 00:10:05,880 Speaker 4: maybe just over twelve hundred, on a bad week three hundred. 218 00:10:06,480 --> 00:10:09,559 Speaker 1: Yeah. And does it have ebbs and flows like as 219 00:10:09,600 --> 00:10:11,800 Speaker 1: in obviously, like you're saying good week, bad week, Do 220 00:10:11,920 --> 00:10:14,839 Speaker 1: not predict those weeks or is it just completely unpredictable. 221 00:10:14,920 --> 00:10:17,280 Speaker 1: Sometimes you go in and it's really busy, and sometimes 222 00:10:17,320 --> 00:10:19,200 Speaker 1: you go in and no one is coming to visit. 223 00:10:19,440 --> 00:10:23,360 Speaker 4: Yeah, it's kind of the joke of like the back room, 224 00:10:23,440 --> 00:10:27,440 Speaker 4: like will it be busy today? I'm manifesting clients. It's 225 00:10:27,720 --> 00:10:30,800 Speaker 4: very like we always sort of say Oh, January is 226 00:10:30,880 --> 00:10:33,280 Speaker 4: quite and that's because like everyone's on school holidays or 227 00:10:33,320 --> 00:10:36,240 Speaker 4: like away. But like December is busy because like everyone's 228 00:10:36,280 --> 00:10:39,280 Speaker 4: like really festive and people are having like lots of 229 00:10:39,320 --> 00:10:44,120 Speaker 4: parties or whatever. And then in between, who knows. It's 230 00:10:44,160 --> 00:10:47,600 Speaker 4: honestly so hard to predict. Honestly, it's so hard. It's 231 00:10:47,640 --> 00:10:48,439 Speaker 4: so up and down. 232 00:10:48,880 --> 00:10:52,680 Speaker 1: Interesting. I'm always so pervy because in the finance world, 233 00:10:53,000 --> 00:10:55,000 Speaker 1: I know that I'm not going to be busy in 234 00:10:55,080 --> 00:10:57,760 Speaker 1: July because you know, I've actually just had a really 235 00:10:57,800 --> 00:11:00,880 Speaker 1: busy June as a wrap up for the financial year. 236 00:11:01,160 --> 00:11:03,520 Speaker 1: So it's actually funny to be like, hey, like what 237 00:11:03,679 --> 00:11:06,439 Speaker 1: do other industries do, Like what are your busy times? 238 00:11:06,760 --> 00:11:09,040 Speaker 1: And for me, December ends up being like not so 239 00:11:09,160 --> 00:11:11,320 Speaker 1: much work, a lot of party, So it kind of 240 00:11:11,320 --> 00:11:15,320 Speaker 1: makes sense that your industry would pick up that slack. Yes, 241 00:11:16,360 --> 00:11:17,520 Speaker 1: that's right, you're welcome. 242 00:11:19,040 --> 00:11:21,360 Speaker 4: Yeah, And I mean, I'm just thinking back to the 243 00:11:21,800 --> 00:11:25,800 Speaker 4: question how much do you earn? And again for me, 244 00:11:26,360 --> 00:11:28,680 Speaker 4: I'm just thinking about if I'm at the establishment, So 245 00:11:28,679 --> 00:11:31,680 Speaker 4: if I'm working privately, it'll be more. Again, for example, 246 00:11:31,679 --> 00:11:34,320 Speaker 4: so if I get a private client, everyone's different, but 247 00:11:34,360 --> 00:11:37,240 Speaker 4: I personally charge five fifty for the hour. So if 248 00:11:37,280 --> 00:11:39,120 Speaker 4: I just get one client for the week, that's an 249 00:11:39,120 --> 00:11:40,200 Speaker 4: extra five fifty. 250 00:11:41,000 --> 00:11:41,480 Speaker 1: Yeah, okay. 251 00:11:41,520 --> 00:11:44,440 Speaker 4: I have previously done like a tour with a friend, 252 00:11:44,480 --> 00:11:46,920 Speaker 4: so we've gone to New Zealand, very exotic. 253 00:11:47,800 --> 00:11:48,240 Speaker 1: How fun. 254 00:11:48,320 --> 00:11:50,520 Speaker 4: It actually was really fun, but we worked our little 255 00:11:50,559 --> 00:11:52,840 Speaker 4: butts off and didn't get any sleep. But you know, 256 00:11:52,880 --> 00:11:54,560 Speaker 4: I came back with like, I think it was five 257 00:11:54,640 --> 00:11:56,680 Speaker 4: grand I came back and that was from like nice 258 00:11:56,840 --> 00:11:59,360 Speaker 4: a few days of work. So you know, it's kind 259 00:11:59,360 --> 00:12:02,120 Speaker 4: of like almost you're really at the whim of you 260 00:12:02,200 --> 00:12:04,960 Speaker 4: neque clients obviously, but obviously if you put more in, 261 00:12:05,040 --> 00:12:06,080 Speaker 4: you get more out. 262 00:12:06,400 --> 00:12:08,520 Speaker 1: Yeah, So it's kind of really dependent on how much 263 00:12:08,559 --> 00:12:12,720 Speaker 1: time you allocate to doing the actual physical work. I suppose. 264 00:12:12,760 --> 00:12:14,320 Speaker 1: It's not like you set it up and it just 265 00:12:14,320 --> 00:12:17,160 Speaker 1: like plods along. It's such a job that relies on 266 00:12:17,280 --> 00:12:19,200 Speaker 1: you and your body being present. 267 00:12:19,400 --> 00:12:22,120 Speaker 4: Right, Yes, there's and exactly that's it. If you're sick, 268 00:12:22,120 --> 00:12:25,600 Speaker 4: there's there's no leave, there's no paid leave. You know, 269 00:12:25,679 --> 00:12:27,520 Speaker 4: you just that's it. You just have to sit this 270 00:12:27,559 --> 00:12:28,640 Speaker 4: one out, all right. 271 00:12:28,679 --> 00:12:30,640 Speaker 1: Money, Die's next question, because I know I've got so 272 00:12:30,679 --> 00:12:32,480 Speaker 1: many pavvy questions. I want to ask you at the end, 273 00:12:32,520 --> 00:12:34,440 Speaker 1: But what's currently your big money goal. 274 00:12:35,200 --> 00:12:38,840 Speaker 4: I think it's buying a house with my partner. We 275 00:12:38,920 --> 00:12:41,439 Speaker 4: both really want to buy a house. Like I said earlier, 276 00:12:41,480 --> 00:12:44,200 Speaker 4: I had sixty k and I want to get back 277 00:12:44,480 --> 00:12:45,800 Speaker 4: to that. I think, all. 278 00:12:45,760 --> 00:12:47,720 Speaker 1: Right, that's a great goal. That sounds like a really 279 00:12:47,720 --> 00:12:49,600 Speaker 1: good goal. But money doist. You're going to have to 280 00:12:49,640 --> 00:12:52,800 Speaker 1: be more specific. This is money diaries. People are pervy. 281 00:12:53,040 --> 00:12:57,559 Speaker 1: That's your savings sitting at right now, right now. 282 00:12:57,400 --> 00:13:01,400 Speaker 4: It's sitting at thirty k right now. It's not like shocking. 283 00:13:01,520 --> 00:13:04,080 Speaker 1: Now, that's yeah, that makes you feel real safe. 284 00:13:04,200 --> 00:13:07,000 Speaker 4: I've got a safety net like it's it's okay. But 285 00:13:08,040 --> 00:13:10,320 Speaker 4: I want it to be back to sixty k plus 286 00:13:10,360 --> 00:13:14,080 Speaker 4: because I feel like that's where I'm really actually realistickly 287 00:13:14,360 --> 00:13:17,840 Speaker 4: getting a house deposit sordered combined with my partner's finances. 288 00:13:17,880 --> 00:13:19,520 Speaker 4: But yeah, that's sort of where I want to be 289 00:13:19,600 --> 00:13:20,240 Speaker 4: there And. 290 00:13:20,440 --> 00:13:23,760 Speaker 1: Yeah, very cool. All right. Next question, do you currently 291 00:13:23,840 --> 00:13:25,720 Speaker 1: have any investments. 292 00:13:26,080 --> 00:13:30,440 Speaker 4: Yes, I've got a bunch of stuff. So I have spaceship, 293 00:13:31,320 --> 00:13:37,120 Speaker 4: I have rate setter. Oh, I've got bitcoin. Oh, my 294 00:13:37,840 --> 00:13:40,440 Speaker 4: brother's really into it, so I've got some bitcoin, don't 295 00:13:40,520 --> 00:13:41,680 Speaker 4: I don't really understand it. 296 00:13:41,679 --> 00:13:44,040 Speaker 1: But I've got it, ye fair. 297 00:13:44,520 --> 00:13:47,400 Speaker 4: And I've got some shares like I was like an 298 00:13:47,440 --> 00:13:49,320 Speaker 4: early investor and I bought some shares and some. 299 00:13:49,240 --> 00:13:52,360 Speaker 1: Companies exciting, And how much do you have of those things? 300 00:13:52,360 --> 00:13:52,920 Speaker 1: Are we talking? 301 00:13:53,000 --> 00:13:53,080 Speaker 4: Like? 302 00:13:53,160 --> 00:13:56,880 Speaker 1: You have an investment portfolio of twenty million dollars two 303 00:13:56,960 --> 00:13:58,719 Speaker 1: hundred dollars, like, come on, my. 304 00:13:58,760 --> 00:14:04,000 Speaker 4: Friends, Okay, sorry, okay, I've got about three thousand in shares. Yeah, 305 00:14:04,000 --> 00:14:07,320 Speaker 4: my spaceship's really gone in the back. 306 00:14:07,240 --> 00:14:07,960 Speaker 3: The market right now. 307 00:14:08,080 --> 00:14:11,520 Speaker 1: That's the market, my friend. Everybody's spaceship is down, everybody's 308 00:14:11,559 --> 00:14:13,320 Speaker 1: investment folios down. 309 00:14:13,480 --> 00:14:16,120 Speaker 4: But yeah, so I think I've got about eight thousand 310 00:14:16,160 --> 00:14:20,640 Speaker 4: in my spaceship. And I've got in rate Setter, which 311 00:14:20,640 --> 00:14:23,160 Speaker 4: is a peer to peer learning platform. I've got at 312 00:14:23,200 --> 00:14:25,920 Speaker 4: the moment two and a half thousand. I think you're. 313 00:14:25,720 --> 00:14:28,360 Speaker 3: Doing pretty well. It's like a nice little across all 314 00:14:28,400 --> 00:14:29,200 Speaker 3: those platforms. 315 00:14:29,320 --> 00:14:32,880 Speaker 4: Yeah, and bitweight the bitcoin in my bitcoin, I have 316 00:14:33,320 --> 00:14:34,080 Speaker 4: five thousand. 317 00:14:34,120 --> 00:14:39,440 Speaker 1: Maybe nice? All right, Next question money, Darius. You're obviously 318 00:14:39,560 --> 00:14:42,760 Speaker 1: very good in investments, but do you have any debts? 319 00:14:43,120 --> 00:14:45,840 Speaker 4: No, I have hextet, I have a lot of hextet, 320 00:14:46,040 --> 00:14:49,000 Speaker 4: but I've never had a credit card. I'm too afraid 321 00:14:49,360 --> 00:14:54,040 Speaker 4: of credit Cards's. 322 00:14:52,160 --> 00:14:54,080 Speaker 3: Fair, that's not the worst fear in the world to have. 323 00:14:54,680 --> 00:14:56,520 Speaker 4: Yeah, I just feel like I would stuf it up. 324 00:14:56,600 --> 00:14:59,360 Speaker 4: So yeah, I have no debts. 325 00:14:59,400 --> 00:15:04,680 Speaker 1: Exciting, all right. Next question, obviously, if you have no debts, 326 00:15:04,720 --> 00:15:07,440 Speaker 1: I think you make some pretty good money decisions. So 327 00:15:07,960 --> 00:15:09,240 Speaker 1: do you use shop back? 328 00:15:09,760 --> 00:15:12,720 Speaker 4: Yes? Yes, I heard about it here and I've got it, 329 00:15:12,960 --> 00:15:14,320 Speaker 4: you know what. I think it's great. The only problem 330 00:15:14,400 --> 00:15:15,800 Speaker 4: is I don't do that much online shopping. 331 00:15:16,120 --> 00:15:19,200 Speaker 1: That's okay, But when you do, are you making sure 332 00:15:19,200 --> 00:15:20,280 Speaker 1: that you're making the most of it? 333 00:15:20,720 --> 00:15:24,320 Speaker 4: I forget sometimes, but I try. I try my hardest. 334 00:15:25,200 --> 00:15:25,640 Speaker 3: That's all right. 335 00:15:25,680 --> 00:15:26,480 Speaker 1: That's all you can do. 336 00:15:26,680 --> 00:15:30,480 Speaker 3: Have the little notification thing up the top. That's what 337 00:15:30,560 --> 00:15:31,880 Speaker 3: I do. So it always says, do you want to 338 00:15:31,960 --> 00:15:35,320 Speaker 3: use this? And I'm like, yes, thank you so much, totally. 339 00:15:35,440 --> 00:15:37,040 Speaker 4: Yeah. 340 00:15:37,120 --> 00:15:41,400 Speaker 1: All right. Next question, giving you a good shot back user, 341 00:15:41,600 --> 00:15:43,840 Speaker 1: I want to know about your other best money habits. 342 00:15:43,840 --> 00:15:45,960 Speaker 1: So what do you think your best money habit is? 343 00:15:46,200 --> 00:15:48,200 Speaker 4: I mean, I think old me set me up really 344 00:15:48,200 --> 00:15:50,720 Speaker 4: well for now me. So, you know, like with all 345 00:15:50,760 --> 00:15:53,120 Speaker 4: those investments, like I had those going ages ago, I 346 00:15:53,120 --> 00:15:55,560 Speaker 4: had them all on auto debit, like I had a 347 00:15:55,600 --> 00:15:59,360 Speaker 4: system where everything was just auto debiting, in which I 348 00:15:59,360 --> 00:16:02,360 Speaker 4: had to stop that, but I'm thankful for that. I 349 00:16:02,400 --> 00:16:06,000 Speaker 4: put money into my super because again, you know, I 350 00:16:06,040 --> 00:16:08,440 Speaker 4: stopped having a salary, so I still have that going. 351 00:16:08,480 --> 00:16:11,840 Speaker 4: I put an ordo into my super, which future me 352 00:16:11,920 --> 00:16:14,240 Speaker 4: will be very pleased about. So I know that I 353 00:16:14,400 --> 00:16:16,520 Speaker 4: think long term, and I know that that, you know, 354 00:16:16,600 --> 00:16:18,440 Speaker 4: I'm always trying to sort of set myself up for 355 00:16:18,480 --> 00:16:20,760 Speaker 4: the future and think about that, even though I've had 356 00:16:20,760 --> 00:16:24,640 Speaker 4: to pause some of those things with COVID and you know, 357 00:16:24,840 --> 00:16:28,960 Speaker 4: like fluctuating income, but I think that's probably pretty good. 358 00:16:29,000 --> 00:16:31,120 Speaker 4: And not having a credit card, I think that's that's 359 00:16:31,120 --> 00:16:33,680 Speaker 4: probably pretty good because I am quite impulsive. When I 360 00:16:33,720 --> 00:16:37,160 Speaker 4: do online shopping, it's quite impulsive. So I think not 361 00:16:37,400 --> 00:16:39,120 Speaker 4: having that is a good barrier. 362 00:16:40,240 --> 00:16:43,000 Speaker 3: Yeah, like recognizing, like knowing that you're the kind of 363 00:16:43,000 --> 00:16:45,360 Speaker 3: person like, oh, I probably wouldn't trust myself with that. 364 00:16:45,440 --> 00:16:46,680 Speaker 1: Like I feel like that's really good. 365 00:16:47,080 --> 00:16:49,400 Speaker 4: Yeah, those probably my best habits. I'd say. 366 00:16:50,160 --> 00:16:54,520 Speaker 1: Next question is the exact opposite, my friend, what is 367 00:16:54,560 --> 00:16:56,040 Speaker 1: your worst money habit? 368 00:16:56,960 --> 00:17:01,760 Speaker 4: I am impulsive, so like if I want something, I'll 369 00:17:01,800 --> 00:17:03,640 Speaker 4: just like buit it straight away. I'll just be like 370 00:17:04,359 --> 00:17:07,080 Speaker 4: I deserve this, Okay, so. 371 00:17:07,040 --> 00:17:09,280 Speaker 1: You deserve that. But also, why do you think you 372 00:17:09,359 --> 00:17:12,159 Speaker 1: are impulsive? Like do you have an impulsive type of 373 00:17:12,160 --> 00:17:14,520 Speaker 1: personality or do you think that spending is just an 374 00:17:14,560 --> 00:17:16,480 Speaker 1: area that you're impulsive? I want to know more. 375 00:17:16,600 --> 00:17:17,400 Speaker 4: I'm an aries. 376 00:17:17,880 --> 00:17:20,800 Speaker 1: So when we're going to blame our star signs, now 377 00:17:20,840 --> 00:17:21,119 Speaker 1: are we? 378 00:17:22,040 --> 00:17:25,560 Speaker 4: I mean yeah, I don't know. I just think when 379 00:17:25,560 --> 00:17:27,480 Speaker 4: I get an idea, I get excited and I just 380 00:17:27,480 --> 00:17:29,440 Speaker 4: want to go with it. So I think that's sort 381 00:17:29,480 --> 00:17:31,960 Speaker 4: of part of it. Yeah, I just get excited like 382 00:17:32,040 --> 00:17:34,560 Speaker 4: quickly and easily. I think that can translate into like 383 00:17:34,600 --> 00:17:39,400 Speaker 4: poor spending sometimes. I think my other poor habits are Yeah, 384 00:17:39,400 --> 00:17:44,919 Speaker 4: I mean like, you know, changing drastically my career and 385 00:17:45,000 --> 00:17:49,960 Speaker 4: financial situation without really implementing any kind of new system 386 00:17:50,119 --> 00:17:53,800 Speaker 4: and just letting it kind of trail off to the 387 00:17:53,920 --> 00:17:58,080 Speaker 4: distance and not restrategizing, you know, not really taking the 388 00:17:58,119 --> 00:18:00,320 Speaker 4: time to sit down and like, do a budget? Have 389 00:18:00,359 --> 00:18:02,879 Speaker 4: a budget? Like I don't. I just haven't. I just 390 00:18:02,920 --> 00:18:05,919 Speaker 4: can't face it. I'm just like it's too overwhelming. And 391 00:18:06,040 --> 00:18:07,560 Speaker 4: it's been like that for two years, you know. 392 00:18:07,920 --> 00:18:10,040 Speaker 3: Because your income is variable. 393 00:18:09,680 --> 00:18:13,200 Speaker 4: Because it's variable because I didn't have an income for ages. Yeah, 394 00:18:13,240 --> 00:18:15,359 Speaker 4: it's just like overwhelming and I just didn't want to 395 00:18:15,400 --> 00:18:17,399 Speaker 4: deal with it, so just being like I'll deal with 396 00:18:17,440 --> 00:18:21,199 Speaker 4: this later, but then like never dealing with it. I 397 00:18:21,200 --> 00:18:24,040 Speaker 4: think that's probably a pretty bad habit, like not facing reality. 398 00:18:24,680 --> 00:18:27,080 Speaker 1: Hey, it's good to be self aware, and I mean, 399 00:18:27,240 --> 00:18:28,440 Speaker 1: you're an aries, so. 400 00:18:30,240 --> 00:18:31,639 Speaker 4: Don't hold it against me. 401 00:18:32,119 --> 00:18:34,919 Speaker 1: I'm a cancer, so like, don't hold that against me that. 402 00:18:34,960 --> 00:18:37,919 Speaker 1: I think that plays into a lot about my personality. Guys. 403 00:18:38,000 --> 00:18:41,159 Speaker 1: We'll move on from there though. Last question before we 404 00:18:41,240 --> 00:18:43,879 Speaker 1: get to go into a few more perfect questions after 405 00:18:43,920 --> 00:18:46,840 Speaker 1: the break money doors. What grade would you give yourself 406 00:18:46,840 --> 00:18:48,760 Speaker 1: if we forced you to give your money habits a 407 00:18:48,840 --> 00:18:56,800 Speaker 1: grade right now? Six oh six? Yeah, six out of ten, ten, 408 00:18:57,680 --> 00:19:00,480 Speaker 1: six out of ten? Why are six out of ten? 409 00:19:00,920 --> 00:19:04,440 Speaker 4: I think past me has set me up so I'm 410 00:19:04,480 --> 00:19:08,520 Speaker 4: like above average, but now me is just not thinking 411 00:19:08,560 --> 00:19:12,280 Speaker 4: things through and so that's the like why I'm not higher. 412 00:19:12,520 --> 00:19:14,360 Speaker 4: I don't know, just like I just feel like I'm 413 00:19:14,359 --> 00:19:15,280 Speaker 4: just coasting, you know. 414 00:19:15,920 --> 00:19:16,680 Speaker 1: Yeah, that's fair. 415 00:19:17,240 --> 00:19:19,159 Speaker 3: What six out of ten is a d if you 416 00:19:19,240 --> 00:19:21,480 Speaker 3: go for like sixty percent, does that feel low to 417 00:19:21,560 --> 00:19:23,920 Speaker 3: you when we change it over to the normal letter 418 00:19:23,960 --> 00:19:25,040 Speaker 3: grate it does. 419 00:19:25,040 --> 00:19:27,439 Speaker 4: But that's how I feel like emotionally about it, Like 420 00:19:27,520 --> 00:19:31,200 Speaker 4: I feel emotionally like low about my Like I feel. 421 00:19:31,040 --> 00:19:33,679 Speaker 1: A little bit flat. We're talking about this before we 422 00:19:33,760 --> 00:19:36,800 Speaker 1: started recording. You're like, yeah, I'm exhausted, I'm flat. I 423 00:19:36,800 --> 00:19:38,760 Speaker 1: feel like I don't have a lot of direction at 424 00:19:38,760 --> 00:19:41,520 Speaker 1: the moment, which is a really not great place to 425 00:19:41,600 --> 00:19:44,040 Speaker 1: be in because direction is what kind of gives us 426 00:19:44,080 --> 00:19:46,080 Speaker 1: a lot of motivation and makes us feel like we're 427 00:19:46,080 --> 00:19:48,320 Speaker 1: achieving things. And I think you just need a little 428 00:19:48,359 --> 00:19:51,080 Speaker 1: bit more clarity around what that means, and you might 429 00:19:51,160 --> 00:19:53,680 Speaker 1: feel not like a d I reckon, you're doing pretty well. 430 00:19:53,880 --> 00:19:55,639 Speaker 1: I mean to have that amount of savings, and like 431 00:19:55,680 --> 00:19:57,600 Speaker 1: you're working for yourself, and it sounds like you're working 432 00:19:57,600 --> 00:20:01,280 Speaker 1: a job that you thrive in, but probably need to 433 00:20:01,280 --> 00:20:04,440 Speaker 1: do a little bit more self caring. I think you're 434 00:20:04,440 --> 00:20:06,879 Speaker 1: doing pretty well, but I'm never going to tell someone 435 00:20:06,920 --> 00:20:09,040 Speaker 1: to change their grade as long as they're like, oh, 436 00:20:09,200 --> 00:20:11,320 Speaker 1: that's why and that's how, And I reckon I could 437 00:20:11,359 --> 00:20:14,040 Speaker 1: do better. All right, So let's head to a break 438 00:20:14,040 --> 00:20:16,800 Speaker 1: and straight after I've got a few PERVIY questions for you. 439 00:20:17,440 --> 00:20:19,760 Speaker 1: All right, Money darist. I want to come back into 440 00:20:19,840 --> 00:20:23,560 Speaker 1: this by asking about self care. So you have two 441 00:20:23,760 --> 00:20:26,439 Speaker 1: very physically demanding jobs, or would I assume to be 442 00:20:26,560 --> 00:20:29,479 Speaker 1: physically demanding jobs. You're a gardener and a sex worker. 443 00:20:29,880 --> 00:20:33,280 Speaker 1: How are you looking after yourself mentally and physically and 444 00:20:33,320 --> 00:20:35,800 Speaker 1: making sure that you can be and bring the best 445 00:20:35,800 --> 00:20:37,840 Speaker 1: person to work every day when you turn up? 446 00:20:38,119 --> 00:20:43,280 Speaker 4: Yeah, it's hard sometimes, I mean physically speaking, I haven't 447 00:20:43,320 --> 00:20:45,199 Speaker 4: done much of it lately, but I do love a 448 00:20:45,240 --> 00:20:48,080 Speaker 4: bit of like yoga, going to the gym, that kind 449 00:20:48,080 --> 00:20:50,960 Speaker 4: of thing, you know, I think, like stretching my body 450 00:20:51,160 --> 00:20:56,000 Speaker 4: and releasing energy in that sort of gym way. I find, yeah, 451 00:20:56,119 --> 00:21:01,800 Speaker 4: really therapeutic. I love like just getting sweaty, like out 452 00:21:01,800 --> 00:21:03,760 Speaker 4: of breath at the gym and pumping on and that 453 00:21:04,000 --> 00:21:06,960 Speaker 4: kind of thing makes me feel really good. I love 454 00:21:07,800 --> 00:21:10,840 Speaker 4: going for long walks in nature. That is something I 455 00:21:10,840 --> 00:21:14,920 Speaker 4: do every day and I find really therapeutic and relaxing. 456 00:21:15,920 --> 00:21:19,399 Speaker 4: And I watch a lot of TV. To be honest, 457 00:21:19,440 --> 00:21:22,760 Speaker 4: it's pretty bad actually, but it's it's something I do 458 00:21:22,800 --> 00:21:26,119 Speaker 4: that I find very self soothing. I've just finished season 459 00:21:26,160 --> 00:21:28,000 Speaker 4: four of Selling Sunset. I don't know if you've seen. 460 00:21:29,560 --> 00:21:31,159 Speaker 1: I'm obsessed with that in the office. 461 00:21:32,320 --> 00:21:35,639 Speaker 4: Oh my god. So just you know, trash TV, that 462 00:21:35,720 --> 00:21:39,280 Speaker 4: kind of thing. I have a beautiful, incredible support network 463 00:21:39,320 --> 00:21:42,760 Speaker 4: of friends. I'm so lucky. I adore my friends. I've 464 00:21:42,800 --> 00:21:46,000 Speaker 4: yet really tiny group of friends that I you know, yeah, 465 00:21:46,560 --> 00:21:49,760 Speaker 4: talk on the phone, see in person, you know whatever, 466 00:21:50,160 --> 00:21:53,560 Speaker 4: all those social things. So that's yes, super important to me. 467 00:21:53,600 --> 00:21:56,919 Speaker 4: I have an incredible supportive partner as well, so you know, 468 00:21:57,040 --> 00:22:00,880 Speaker 4: I'll debrief if they're after work whatever, you know, all 469 00:22:00,920 --> 00:22:04,120 Speaker 4: that sort of stuff. And I have an amazing physio. 470 00:22:04,800 --> 00:22:07,720 Speaker 1: Oh my gosh, yes, really important. Physical care is just 471 00:22:07,760 --> 00:22:08,400 Speaker 1: as important. 472 00:22:08,880 --> 00:22:11,520 Speaker 4: I love my physio. He's a legend and he really 473 00:22:11,640 --> 00:22:14,680 Speaker 4: has changed my life, like you know, physically speaking, because 474 00:22:14,680 --> 00:22:16,320 Speaker 4: I get a lot of eggs and pains, and yeah, 475 00:22:16,880 --> 00:22:20,000 Speaker 4: this really helped me. And I love having like a 476 00:22:20,040 --> 00:22:22,200 Speaker 4: hot bath. You know, all use sort of cliche self 477 00:22:22,240 --> 00:22:23,920 Speaker 4: care things. I suppose I love them. 478 00:22:24,520 --> 00:22:26,719 Speaker 1: Yeah, fair, I think we all love that. So they 479 00:22:26,760 --> 00:22:29,640 Speaker 1: sound exactly the same or very similar to any other 480 00:22:29,760 --> 00:22:32,200 Speaker 1: job just making sure that you're not getting burnt out, 481 00:22:32,560 --> 00:22:35,399 Speaker 1: do you find that, because you know, I'm very lucky 482 00:22:35,480 --> 00:22:38,159 Speaker 1: in that the job I have been, I guess you 483 00:22:38,200 --> 00:22:40,639 Speaker 1: could call it like Jess, would you say it's desk based, 484 00:22:40,800 --> 00:22:43,080 Speaker 1: like I'm always out and about, but like if I'm 485 00:22:43,119 --> 00:22:45,240 Speaker 1: having a bit of a flat day where I just 486 00:22:45,280 --> 00:22:46,600 Speaker 1: I'm like, you know what, I don't really want to 487 00:22:46,600 --> 00:22:49,440 Speaker 1: see clients or do anything. I would just plot along 488 00:22:49,480 --> 00:22:51,919 Speaker 1: and get my emails done or do some admin. Do 489 00:22:51,960 --> 00:22:54,720 Speaker 1: you get those days or is it always go, go go, 490 00:22:54,880 --> 00:22:55,720 Speaker 1: really physical. 491 00:22:56,080 --> 00:22:58,400 Speaker 4: I can't really be like go go every single day. 492 00:22:58,400 --> 00:23:00,000 Speaker 4: It's the nature of the work is that I live 493 00:23:00,080 --> 00:23:01,760 Speaker 4: really could not work five days a week like I 494 00:23:02,080 --> 00:23:04,639 Speaker 4: mean some people do. I couldn't do it. It's not 495 00:23:04,640 --> 00:23:08,600 Speaker 4: possible for me. And I'm studying as well, So I 496 00:23:08,640 --> 00:23:10,840 Speaker 4: think I work two to three days a week and 497 00:23:10,840 --> 00:23:13,280 Speaker 4: then the other days of studying, and that for me, 498 00:23:13,480 --> 00:23:16,320 Speaker 4: that variety is really helpful and that helps me balance 499 00:23:16,359 --> 00:23:19,000 Speaker 4: it all out because I do have a tendency, like 500 00:23:19,040 --> 00:23:21,639 Speaker 4: I said before, to get excited and like I'm impulsive, 501 00:23:21,680 --> 00:23:24,240 Speaker 4: and I think in the past I have sometimes worked 502 00:23:24,280 --> 00:23:26,760 Speaker 4: like four days or five days a week and I 503 00:23:26,800 --> 00:23:29,880 Speaker 4: have gotten burnt out, and so I know that it's 504 00:23:29,920 --> 00:23:32,240 Speaker 4: actually just not I'm at this point where I'm like, 505 00:23:32,240 --> 00:23:34,480 Speaker 4: it's just I can't do that. It's not worth it. 506 00:23:34,720 --> 00:23:37,320 Speaker 3: Yeah, A thousand percent, and actually you saying it's not 507 00:23:37,400 --> 00:23:40,000 Speaker 3: worth it reminds you of something that I read out 508 00:23:40,000 --> 00:23:43,520 Speaker 3: in your intro, which was you were talking about, you know, 509 00:23:43,600 --> 00:23:46,080 Speaker 3: being a little bit unsure of your financial position because 510 00:23:46,119 --> 00:23:48,600 Speaker 3: it's changed so drastically in the last few years, and 511 00:23:48,800 --> 00:23:51,000 Speaker 3: wanting to talk to an advisor, but not feeling like 512 00:23:51,040 --> 00:23:52,600 Speaker 3: it was worth it. And I want to unpack this 513 00:23:52,640 --> 00:23:54,600 Speaker 3: because this is something we all and this is such 514 00:23:54,600 --> 00:23:57,080 Speaker 3: a good question. Yes, yeah, we talk about this in 515 00:23:57,080 --> 00:23:58,600 Speaker 3: our office a lot. So I want to hear from 516 00:23:58,640 --> 00:24:02,520 Speaker 3: you what you particularly feel like you need help with, 517 00:24:02,720 --> 00:24:04,679 Speaker 3: and then why you feel like it's not worth it, 518 00:24:04,720 --> 00:24:07,119 Speaker 3: because if I think is a great broader conversation to 519 00:24:07,200 --> 00:24:08,959 Speaker 3: have with our community. 520 00:24:08,680 --> 00:24:10,199 Speaker 4: I don't know. I think they're not worth It is 521 00:24:10,280 --> 00:24:14,440 Speaker 4: like I don't earn enough money to be worthwhile of 522 00:24:14,600 --> 00:24:19,480 Speaker 4: like a professional expertise. I don't know, Like I guess 523 00:24:19,520 --> 00:24:21,240 Speaker 4: it's a self worth thing, right, Yeah. 524 00:24:21,240 --> 00:24:23,680 Speaker 1: I was about to say that's such a self worth thing, 525 00:24:23,800 --> 00:24:25,720 Speaker 1: because at the end of the day, I'm gonna ask 526 00:24:25,720 --> 00:24:27,760 Speaker 1: a really perfect question, would you pay for the advice? 527 00:24:28,080 --> 00:24:31,639 Speaker 4: Oh? It just seems like financial advisors are for the 528 00:24:31,760 --> 00:24:36,160 Speaker 4: already really wealthy or you know, like that's the outlook, 529 00:24:36,359 --> 00:24:38,040 Speaker 4: or like that's the no. 530 00:24:39,240 --> 00:24:42,000 Speaker 1: No, there are different like there are financial advisors who 531 00:24:42,000 --> 00:24:43,320 Speaker 1: work with people on Centerlink. 532 00:24:43,680 --> 00:24:43,800 Speaker 4: Like. 533 00:24:43,880 --> 00:24:47,240 Speaker 1: It is not as though we are all ultra high 534 00:24:47,240 --> 00:24:48,879 Speaker 1: net wealth, Like I do a fair bit of that 535 00:24:48,920 --> 00:24:52,359 Speaker 1: because I do specialize in inheritance, because that's what you know. 536 00:24:52,680 --> 00:24:55,960 Speaker 1: My community has slowly over time grown into asking for 537 00:24:56,600 --> 00:24:59,359 Speaker 1: from me, which I'm very grateful for. I also have 538 00:24:59,400 --> 00:25:02,520 Speaker 1: a really big amount of sex worker clients, which I 539 00:25:02,520 --> 00:25:04,679 Speaker 1: think will surprise a lot of people because I just 540 00:25:04,920 --> 00:25:07,040 Speaker 1: I don't know. Some people are like, oh, Victoria, it's 541 00:25:07,080 --> 00:25:08,600 Speaker 1: just a bit of a proud and I'm like, no, 542 00:25:08,680 --> 00:25:11,840 Speaker 1: I'm not, let's get into it. But I just feel 543 00:25:11,840 --> 00:25:16,280 Speaker 1: like it's such an underrepresented community of people who need 544 00:25:16,320 --> 00:25:19,719 Speaker 1: the advice and can absolutely thrive. And I find that 545 00:25:19,800 --> 00:25:22,639 Speaker 1: my clients, who you know, might not have had the clarity, 546 00:25:22,680 --> 00:25:25,000 Speaker 1: which is where I think you're sitting right now, who 547 00:25:25,080 --> 00:25:26,879 Speaker 1: don't have the clarity, once they have it, and I 548 00:25:26,920 --> 00:25:28,680 Speaker 1: can be like, all right, I'm on your team. Let's 549 00:25:28,720 --> 00:25:31,400 Speaker 1: do ABCD, E and F and you're going to feel 550 00:25:31,440 --> 00:25:34,240 Speaker 1: much more passionate. They end up working more because they 551 00:25:34,280 --> 00:25:37,400 Speaker 1: feel like they have that clarity around what they're working towards, 552 00:25:37,720 --> 00:25:39,840 Speaker 1: like they know that if they do another day, or 553 00:25:39,880 --> 00:25:42,399 Speaker 1: they do another shift, or you know, they take on 554 00:25:42,480 --> 00:25:45,680 Speaker 1: an extra client, they can really see how that benefits 555 00:25:45,720 --> 00:25:48,280 Speaker 1: them instead of seeing it the way you were articulating 556 00:25:48,320 --> 00:25:50,520 Speaker 1: it before, which was like, oh yeah, like if I 557 00:25:50,560 --> 00:25:52,680 Speaker 1: do another client, it might be like five hundred and 558 00:25:52,760 --> 00:25:57,280 Speaker 1: fifty dollars. Like that mindset from my perspective, really needs 559 00:25:57,320 --> 00:26:00,320 Speaker 1: to shift from five hundred and fifty dollars to step 560 00:26:00,359 --> 00:26:02,439 Speaker 1: closer to my goal, and here are my goals, and 561 00:26:02,480 --> 00:26:04,600 Speaker 1: I'm so clear on what I'm trying to achieve and 562 00:26:04,640 --> 00:26:07,200 Speaker 1: what I'm trying to work towards, regardless of what it is. 563 00:26:07,480 --> 00:26:10,399 Speaker 1: Like that goal might be getting that sixty thousand dollars 564 00:26:10,440 --> 00:26:13,240 Speaker 1: back in your savings, or it might be an investment goal, 565 00:26:13,640 --> 00:26:16,119 Speaker 1: or it might be a taxable income by the end 566 00:26:16,160 --> 00:26:18,919 Speaker 1: of a financial year, Like it doesn't actually matter what 567 00:26:19,040 --> 00:26:21,879 Speaker 1: it is, but you need to have some really clear 568 00:26:22,000 --> 00:26:25,879 Speaker 1: goals so that you can work towards them. Because your job, 569 00:26:26,040 --> 00:26:28,560 Speaker 1: as I was saying before, is so much more physically 570 00:26:28,600 --> 00:26:31,160 Speaker 1: demanding than a lot of people's, and it's so much 571 00:26:31,200 --> 00:26:33,600 Speaker 1: easier to get burnt out and feel like, oh my god, 572 00:26:34,200 --> 00:26:37,560 Speaker 1: I'm exhausted. But you kind of get a different lease 573 00:26:37,640 --> 00:26:40,000 Speaker 1: on life in a way when you're like, no, this 574 00:26:40,160 --> 00:26:42,480 Speaker 1: is for me. I'm seeing this client because I want 575 00:26:42,520 --> 00:26:45,720 Speaker 1: to get closer to my goals, as opposed to seeing 576 00:26:45,760 --> 00:26:48,439 Speaker 1: a client because you're like, oh I should it's cash Like, 577 00:26:48,680 --> 00:26:51,040 Speaker 1: we don't want to have that mentality. Regardless of what 578 00:26:51,080 --> 00:26:51,720 Speaker 1: your job is. 579 00:26:52,800 --> 00:26:55,359 Speaker 3: Yes, if you were to talk to and adviser, what 580 00:26:55,600 --> 00:26:58,359 Speaker 3: area specifically is it that you were looking for clarity on. 581 00:26:58,560 --> 00:27:01,880 Speaker 3: Is it managing your variable inn come? Is it solidifying 582 00:27:01,920 --> 00:27:04,280 Speaker 3: those goals? What is it that you really feel like 583 00:27:04,359 --> 00:27:05,160 Speaker 3: you need help with. 584 00:27:05,359 --> 00:27:07,680 Speaker 4: I mean, I think it's saw those things. It's like, yeah, 585 00:27:07,720 --> 00:27:10,800 Speaker 4: having a system set up for variable income because in 586 00:27:10,840 --> 00:27:12,840 Speaker 4: the past, I just had a set salary, so it 587 00:27:12,880 --> 00:27:15,359 Speaker 4: was so easy to have everything automated because I knew 588 00:27:15,359 --> 00:27:18,200 Speaker 4: exactly what was coming in so I could portion it all, 589 00:27:18,440 --> 00:27:20,040 Speaker 4: you know, bit to this, bit to that. You know, 590 00:27:20,080 --> 00:27:23,000 Speaker 4: I can't do that now, So having a system that 591 00:27:23,119 --> 00:27:28,000 Speaker 4: makes fluctuating cash flow makes sense to me. And then also, 592 00:27:28,640 --> 00:27:34,480 Speaker 4: just as you said, solidifying clarifying those goals because having 593 00:27:34,480 --> 00:27:37,679 Speaker 4: those savings back is is probably the key one. But 594 00:27:38,000 --> 00:27:40,520 Speaker 4: I don't think about that when I work anymore. It's 595 00:27:40,600 --> 00:27:42,640 Speaker 4: just like yeah, and I think as well, because I'm 596 00:27:42,720 --> 00:27:45,480 Speaker 4: halfway through studying, I'm like, oh, well, in two years, 597 00:27:45,520 --> 00:27:48,679 Speaker 4: I'll probably be like a counselor and I'll have another 598 00:27:48,760 --> 00:27:52,800 Speaker 4: job by then, So like maybe I just wait two 599 00:27:52,920 --> 00:27:56,000 Speaker 4: year or two years, but I like, you know, that's 600 00:27:56,040 --> 00:27:57,760 Speaker 4: actually a really long time away, and. 601 00:27:57,680 --> 00:27:59,760 Speaker 1: So yeah, and you could achieve so much in two 602 00:27:59,840 --> 00:28:01,840 Speaker 1: years is like look what some of our other money 603 00:28:01,880 --> 00:28:05,280 Speaker 1: dirests have done in like twelve months or even eighteen months. 604 00:28:05,320 --> 00:28:07,879 Speaker 1: Like if you can have that same power, like, you 605 00:28:07,920 --> 00:28:11,200 Speaker 1: can achieve so much, and I think it's so exciting. 606 00:28:11,520 --> 00:28:13,760 Speaker 1: But I definitely think you're someone who either should have 607 00:28:13,920 --> 00:28:17,560 Speaker 1: like a money coach or a money like a financial 608 00:28:17,600 --> 00:28:20,680 Speaker 1: advisor or something to like help you find that clarity. 609 00:28:20,960 --> 00:28:22,600 Speaker 1: But I also think you need to look at your 610 00:28:22,640 --> 00:28:26,680 Speaker 1: cash flow system. I'm a bit biased, obviously, but I 611 00:28:26,720 --> 00:28:28,959 Speaker 1: am going to give you my budgeting cash flow masterclass 612 00:28:28,960 --> 00:28:32,160 Speaker 1: because I genuinely think that that clarity of a banking 613 00:28:32,240 --> 00:28:34,840 Speaker 1: system where everything comes in and you can deduct things 614 00:28:34,880 --> 00:28:37,560 Speaker 1: and put tax to here and put a goal to here, 615 00:28:37,720 --> 00:28:39,800 Speaker 1: and then like know what you're spending on your food, 616 00:28:39,800 --> 00:28:42,560 Speaker 1: your fuel, and your fun like I genuinely think that 617 00:28:42,800 --> 00:28:46,960 Speaker 1: having a good cash flow structure creates motivation. I know 618 00:28:47,120 --> 00:28:50,120 Speaker 1: that it sounds silly and know that it can be like, oh, 619 00:28:50,280 --> 00:28:53,480 Speaker 1: really admin heavy, but I promise you that level of 620 00:28:53,520 --> 00:28:56,520 Speaker 1: clarity is going to give you a lot of motivation. 621 00:28:56,840 --> 00:28:58,600 Speaker 1: I know it because it's happened a million times with 622 00:28:58,640 --> 00:28:59,560 Speaker 1: everyone of my other. 623 00:28:59,440 --> 00:29:03,440 Speaker 4: Guid ver And I think just to touch on, like 624 00:29:03,960 --> 00:29:06,160 Speaker 4: because I feel like I have to, Like I think 625 00:29:06,520 --> 00:29:10,360 Speaker 4: being in the sex work industry, like seeking financial advice, 626 00:29:10,440 --> 00:29:13,520 Speaker 4: like there is so much stick my like in certain bubbles. 627 00:29:13,560 --> 00:29:15,800 Speaker 4: It's you know, my friends all know what I do 628 00:29:15,840 --> 00:29:19,280 Speaker 4: and I'm really open, but I still feel weird about 629 00:29:19,320 --> 00:29:21,800 Speaker 4: contacting like an accountant also or you know, someone in 630 00:29:21,840 --> 00:29:24,640 Speaker 4: the industry, because I don't know how they're going to 631 00:29:24,680 --> 00:29:26,800 Speaker 4: react to me or what do you know what I mean, 632 00:29:26,880 --> 00:29:28,160 Speaker 4: Like say that's the case. 633 00:29:28,200 --> 00:29:29,480 Speaker 1: Yeah that's so terrible. 634 00:29:29,880 --> 00:29:32,080 Speaker 4: Yeah it sucks, but like that's just you know, like 635 00:29:32,120 --> 00:29:34,400 Speaker 4: it's still really heavily stigmatized and like you know, it's 636 00:29:34,440 --> 00:29:37,800 Speaker 4: only just been deg criminalized, right, Like that's all yeah new. 637 00:29:38,080 --> 00:29:41,480 Speaker 4: So it's just like, you know, general attitudes to sex 638 00:29:41,480 --> 00:29:45,040 Speaker 4: work are still really archaic, and like you know, terrible, 639 00:29:45,120 --> 00:29:47,560 Speaker 4: So it's like a tricky thing as well to manage. 640 00:29:47,720 --> 00:29:50,880 Speaker 1: I'm so sorry that's the case. But if anybody is 641 00:29:50,920 --> 00:29:54,080 Speaker 1: listening to this and they are worried about seeking financial advice, 642 00:29:54,160 --> 00:29:56,080 Speaker 1: please just go through our shehes on the money website. 643 00:29:56,120 --> 00:29:58,120 Speaker 1: Like I have a matching form. I would never say, 644 00:29:58,200 --> 00:30:00,239 Speaker 1: like clearly say hey, I'm a sex work and I'm 645 00:30:00,320 --> 00:30:02,840 Speaker 1: looking for an advisor that is really good with that, 646 00:30:03,240 --> 00:30:06,240 Speaker 1: I wouldn't work with people who aren't like sex work 647 00:30:06,320 --> 00:30:08,240 Speaker 1: is a job. In fact, it is a job where 648 00:30:08,280 --> 00:30:10,440 Speaker 1: I think we need to put a fair bit more 649 00:30:10,520 --> 00:30:15,520 Speaker 1: emphasis on investing and saving and creating a financial future young, 650 00:30:15,920 --> 00:30:18,760 Speaker 1: because it's kind of one of those jobs that you 651 00:30:18,840 --> 00:30:21,120 Speaker 1: can grow out of. It's a job where a lot 652 00:30:21,120 --> 00:30:22,960 Speaker 1: of sex workers, as they get a bit older and 653 00:30:23,000 --> 00:30:25,040 Speaker 1: their life changes, they go, oh, look, I don't really 654 00:30:25,080 --> 00:30:26,640 Speaker 1: want to do this once I have kids, Or you 655 00:30:26,720 --> 00:30:28,400 Speaker 1: might go, oh, I don't want to do this once 656 00:30:28,400 --> 00:30:30,760 Speaker 1: I finish union and I become a counselor, or I 657 00:30:30,760 --> 00:30:33,760 Speaker 1: don't want to do this at this point. But you're 658 00:30:33,760 --> 00:30:35,840 Speaker 1: also making a lot of money, so you need to 659 00:30:35,920 --> 00:30:38,360 Speaker 1: kind of make hay while the sun is shining, and 660 00:30:38,400 --> 00:30:40,520 Speaker 1: so it's kind of like being a social media or 661 00:30:40,520 --> 00:30:43,200 Speaker 1: influencer in a way, like you don't know when you're 662 00:30:43,200 --> 00:30:45,840 Speaker 1: going to stop or how long this is going on, 663 00:30:45,920 --> 00:30:48,680 Speaker 1: because today you're like, yeah, I'm doing this. One day 664 00:30:48,680 --> 00:30:50,640 Speaker 1: you might wake up and go, I can't be bothered 665 00:30:50,640 --> 00:30:53,440 Speaker 1: with this anymore, Like it's way too physical for me 666 00:30:53,520 --> 00:30:55,960 Speaker 1: to do. So I think it's an interesting space, but 667 00:30:56,000 --> 00:30:59,440 Speaker 1: I'm honestly, I'm so sorry that you feel like somebody 668 00:30:59,440 --> 00:31:02,480 Speaker 1: would judge you for the way that you're making an income. 669 00:31:02,800 --> 00:31:05,720 Speaker 1: Like I think it's so cool that you're a little 670 00:31:05,800 --> 00:31:07,840 Speaker 1: hustler and you're like, no, I make income like this 671 00:31:08,000 --> 00:31:11,880 Speaker 1: and I'm completely in control of my situation, Like that's sick. 672 00:31:12,280 --> 00:31:14,360 Speaker 1: And sex workers are some of the coolest people I've 673 00:31:14,360 --> 00:31:18,560 Speaker 1: ever met, I think because they all usually have some 674 00:31:18,680 --> 00:31:22,320 Speaker 1: kind of underlying worry that they'll be judged. That they're 675 00:31:22,320 --> 00:31:25,120 Speaker 1: so open and honest and kind, like they're not the 676 00:31:25,160 --> 00:31:28,120 Speaker 1: people to judge you. So no, some of my best 677 00:31:28,160 --> 00:31:30,600 Speaker 1: friends are sex workers. Yes, you met one of them 678 00:31:30,600 --> 00:31:33,920 Speaker 1: on the weekend my engagement party. But also some of 679 00:31:33,920 --> 00:31:36,040 Speaker 1: my best clients are also sex workers. 680 00:31:36,360 --> 00:31:40,960 Speaker 4: It's an incredible community. I won't dispute that. The other 681 00:31:41,040 --> 00:31:43,160 Speaker 4: thing as well, like just to touch on I guess 682 00:31:43,240 --> 00:31:45,440 Speaker 4: is that I feel like it does kind of wharp 683 00:31:45,520 --> 00:31:48,720 Speaker 4: your perspective a little bit when you're given a chunk 684 00:31:48,760 --> 00:31:52,120 Speaker 4: of cash instantly for the work that you've done and 685 00:31:52,120 --> 00:31:56,240 Speaker 4: then going to say, like a job. Something about that. 686 00:31:56,320 --> 00:31:58,240 Speaker 4: It's like part of me is like, oh, I should 687 00:31:58,280 --> 00:32:00,360 Speaker 4: go get like an office job, or like I get 688 00:32:00,360 --> 00:32:02,920 Speaker 4: a job, like part time office job. But then there's 689 00:32:02,920 --> 00:32:06,160 Speaker 4: something very alluring about giving a chunk of cash and 690 00:32:06,200 --> 00:32:07,800 Speaker 4: it's a weird thing, you know. 691 00:32:08,080 --> 00:32:11,400 Speaker 1: No, I've totally heard that from a number of people before, 692 00:32:11,680 --> 00:32:16,240 Speaker 1: where you know you're in a situation where you're essentially 693 00:32:16,280 --> 00:32:20,840 Speaker 1: making or you can be making what anybody else might 694 00:32:20,920 --> 00:32:23,560 Speaker 1: be in a week in a couple of hours. Yeah, 695 00:32:23,600 --> 00:32:26,600 Speaker 1: and you go the financial freedom and the life freedom 696 00:32:26,640 --> 00:32:28,960 Speaker 1: associated with that. Why would I see it at a 697 00:32:29,000 --> 00:32:31,200 Speaker 1: desk when I can just do that and I'm okay 698 00:32:31,240 --> 00:32:34,160 Speaker 1: to do that, And that's obviously not a job for everybody, 699 00:32:34,240 --> 00:32:36,400 Speaker 1: and not everybody is comfortable with it, and that is 700 00:32:36,480 --> 00:32:40,000 Speaker 1: totally okay. We should still respect it. But I can 701 00:32:40,040 --> 00:32:42,520 Speaker 1: see why if you've done that before, you're like, why 702 00:32:42,520 --> 00:32:45,880 Speaker 1: would I go and spend forty hours of my week 703 00:32:46,160 --> 00:32:48,360 Speaker 1: slaving away for somebody else when I can make that 704 00:32:48,440 --> 00:32:48,960 Speaker 1: in three. 705 00:32:48,760 --> 00:32:52,040 Speaker 4: Hours, totally, and especially like for me personally, like I mentioned, 706 00:32:52,040 --> 00:32:54,840 Speaker 4: like I've struggled with mental health issues in the past, 707 00:32:54,880 --> 00:32:57,760 Speaker 4: So if I can choose to work one or two 708 00:32:57,800 --> 00:33:00,360 Speaker 4: days a week as opposed to five, then that's definitely 709 00:33:00,360 --> 00:33:03,000 Speaker 4: an option that I, you know, I've taken and I 710 00:33:03,040 --> 00:33:06,560 Speaker 4: love that that gives that flexibility and freedom. It's amazing. 711 00:33:06,840 --> 00:33:07,800 Speaker 4: It affords that. 712 00:33:07,960 --> 00:33:10,800 Speaker 3: Yeah, incredible, And if anyone is in a situation like 713 00:33:10,840 --> 00:33:13,479 Speaker 3: you where they're dealing with variable income, we have actually 714 00:33:13,480 --> 00:33:16,600 Speaker 3: done a full episode on budgeting for variable income. And 715 00:33:17,080 --> 00:33:20,320 Speaker 3: just to go back to that financial advisor thing, it's 716 00:33:20,400 --> 00:33:23,320 Speaker 3: absolutely worth you seeing an advisor if it's something that's 717 00:33:23,360 --> 00:33:25,560 Speaker 3: worth it to you. And the thing that we talk 718 00:33:25,600 --> 00:33:27,920 Speaker 3: about a lot is that there's a big investment when 719 00:33:27,920 --> 00:33:29,680 Speaker 3: you see an advisor, Right, you're going to be up 720 00:33:29,760 --> 00:33:32,200 Speaker 3: generally for a couple of thousand dollars because there's a 721 00:33:32,200 --> 00:33:35,400 Speaker 3: lot involved in that, depending on obviously the nature of advice. 722 00:33:35,080 --> 00:33:35,600 Speaker 1: That you need. 723 00:33:35,960 --> 00:33:37,840 Speaker 3: But if you're in a position where you're prepared to 724 00:33:37,880 --> 00:33:40,760 Speaker 3: pay that, you're worthy of their time. But for those 725 00:33:40,800 --> 00:33:43,760 Speaker 3: people who aren't, and for people who maybe they're like, oh, 726 00:33:43,800 --> 00:33:45,760 Speaker 3: I am just struggling a little bit with my budget. 727 00:33:46,080 --> 00:33:48,800 Speaker 3: There are so many resources out there that allow you 728 00:33:48,880 --> 00:33:50,840 Speaker 3: to get on top of that by yourself, and so 729 00:33:51,520 --> 00:33:54,560 Speaker 3: don't feel like you have to go see somebody, because 730 00:33:54,600 --> 00:33:56,200 Speaker 3: there's a good chance that you can get on top 731 00:33:56,240 --> 00:33:57,760 Speaker 3: of it on your own with some of the things 732 00:33:57,760 --> 00:33:59,680 Speaker 3: that are out there. So I'd highly recommend that episode 733 00:33:59,680 --> 00:34:01,960 Speaker 3: to anyone who wants to hear it. And then my 734 00:34:02,040 --> 00:34:04,480 Speaker 3: last question for you before we go, because I'm conscious 735 00:34:04,480 --> 00:34:08,239 Speaker 3: of your time. We know that you're working towards your degree, 736 00:34:08,400 --> 00:34:10,880 Speaker 3: and I just wanted to ask do you feel like 737 00:34:11,400 --> 00:34:15,040 Speaker 3: your approach to things is going to change once you 738 00:34:15,120 --> 00:34:17,480 Speaker 3: have that degree? Is your plan to step out of 739 00:34:17,480 --> 00:34:20,320 Speaker 3: the work that you're doing currently into full time counseling. 740 00:34:20,400 --> 00:34:23,080 Speaker 3: Are you planning on juggling at all? Do you feel 741 00:34:23,120 --> 00:34:24,600 Speaker 3: like you're in a little bit of a holding pattern 742 00:34:24,640 --> 00:34:27,560 Speaker 3: now because you said before you know you think that 743 00:34:27,600 --> 00:34:30,359 Speaker 3: things might shift a little bit once that happens, and 744 00:34:30,360 --> 00:34:32,080 Speaker 3: that you want to make the most on the time 745 00:34:32,120 --> 00:34:34,239 Speaker 3: between now and then. So how do you see that 746 00:34:34,320 --> 00:34:36,879 Speaker 3: change happening and what adjustments do you think you'll make. 747 00:34:36,800 --> 00:34:39,440 Speaker 4: As a result. Yeah, I actually am not sure, and 748 00:34:39,480 --> 00:34:42,160 Speaker 4: it's something that I think about all the time. Yeah, 749 00:34:42,200 --> 00:34:46,799 Speaker 4: because I actually don't know if, even once I get 750 00:34:46,840 --> 00:34:49,200 Speaker 4: my degree, if I do want to work five days 751 00:34:49,239 --> 00:34:52,160 Speaker 4: a week in the exact same job every single day. 752 00:34:52,719 --> 00:34:55,200 Speaker 4: And whilst I don't see myself being a gardener or 753 00:34:55,360 --> 00:34:59,040 Speaker 4: sex worker forever, for now, it's it's good, you know. 754 00:34:59,200 --> 00:35:02,680 Speaker 4: And so maybe I do work three days as a 755 00:35:02,719 --> 00:35:06,160 Speaker 4: counselor one has sex or one as a gardener. Maybe 756 00:35:06,160 --> 00:35:08,880 Speaker 4: I still keep doing that, you know, I'm not really 757 00:35:08,920 --> 00:35:12,400 Speaker 4: sure at this point. I just I've realized over the 758 00:35:12,440 --> 00:35:15,280 Speaker 4: last few years. Yeah, I love variety. I love mixing 759 00:35:15,320 --> 00:35:18,600 Speaker 4: things up. I don't like sitting in a desk every day, 760 00:35:18,640 --> 00:35:21,960 Speaker 4: and I don't like office environments generally speaking. I don't 761 00:35:21,960 --> 00:35:25,719 Speaker 4: really like having a boss. I like being my own boss. 762 00:35:25,800 --> 00:35:29,160 Speaker 4: So I'm not there yet. I don't know what working 763 00:35:29,200 --> 00:35:31,560 Speaker 4: as a counselor like looks like day to day. I 764 00:35:31,640 --> 00:35:34,400 Speaker 4: you know, I think my long term goal, my like, 765 00:35:34,520 --> 00:35:36,040 Speaker 4: you know, five to ten year goal, is to set 766 00:35:36,080 --> 00:35:37,920 Speaker 4: up my own practice, like that is kind of my 767 00:35:38,040 --> 00:35:41,759 Speaker 4: dream long term. But again that's yeah, five to ten 768 00:35:41,840 --> 00:35:44,640 Speaker 4: years down the track. But until then, I'm probably going 769 00:35:44,680 --> 00:35:45,680 Speaker 4: to go for a variety. 770 00:35:45,760 --> 00:35:50,160 Speaker 3: I think I love that like more people taking the 771 00:35:50,200 --> 00:35:53,160 Speaker 3: non conventional road please, because you know what, You're here 772 00:35:53,200 --> 00:35:55,440 Speaker 3: to live, not to work, in my opinion. 773 00:35:55,120 --> 00:35:56,320 Speaker 4: Yeah, that's it exactly. 774 00:35:57,200 --> 00:35:59,760 Speaker 1: I love it. Well, thank you so much for spending 775 00:35:59,800 --> 00:36:02,320 Speaker 1: the time time with us today. We are really grateful 776 00:36:02,360 --> 00:36:04,279 Speaker 1: for it, and I hope that you didn't feel like 777 00:36:04,320 --> 00:36:06,319 Speaker 1: we were hard to talk. Do I promise we're non 778 00:36:06,400 --> 00:36:10,080 Speaker 1: judgment or finance pea No, but as always I do 779 00:36:10,200 --> 00:36:12,799 Speaker 1: think that's all we have time for today, except Jess, 780 00:36:12,880 --> 00:36:15,040 Speaker 1: you probably should wrap it and let everybody know that 781 00:36:15,080 --> 00:36:17,280 Speaker 1: I am legitimate, so take it away. 782 00:36:17,960 --> 00:36:20,040 Speaker 3: Yes, the advice shared on Shees on the Money is 783 00:36:20,120 --> 00:36:23,280 Speaker 3: general in nature and does not consider your individual circumstances. 784 00:36:23,400 --> 00:36:26,440 Speaker 3: She's on the Money exists purely for educational purposes and 785 00:36:26,480 --> 00:36:28,719 Speaker 3: should not be relied upon to make an investment or 786 00:36:28,760 --> 00:36:29,840 Speaker 3: a financial decision. 787 00:36:30,080 --> 00:36:30,720 Speaker 1: And we promise. 788 00:36:30,840 --> 00:36:34,719 Speaker 3: Victoria Devine is an authorized representative of Infocused Securities Australia 789 00:36:34,719 --> 00:36:38,480 Speaker 3: Proprietary Limited ABN four seven oh nine seven seven nine 790 00:36:38,600 --> 00:36:45,120 Speaker 3: seven four nine AFSL two three six five two three