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

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

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

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

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

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

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

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

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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

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Speaker 4: Hello, and welcome to She's on the Money, the podcast

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Speaker 4: that let's you be pervy about other people's money stories

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Speaker 4: for educational purposes, of course. Welcome back to another one

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Speaker 4: of our Money Diaries episodes where I get the absolute

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Speaker 4: privilege of sitting down and talking to one of our

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Speaker 4: beautiful She's on the Money community members all about their journey.

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Speaker 4: Let's jump straight into it, because this week I got

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Speaker 4: a message and it sounded exactly like this, Dear She's

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Speaker 4: on the Money. We grew up quite poor and it

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Speaker 4: was especially bad in high school. I remember Dad couldn't

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Speaker 4: afford our textbooks or my school fees. My parents each

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Speaker 4: worked two jobs and we'd go with mom and dad

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Speaker 4: every school night to their second job, cleaning offices. I've

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Speaker 4: been trying to overcome my scarcity mindset, and in the

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Speaker 4: last two years, thanks to She's on the money, I

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Speaker 4: have savings for the first time, I've invested for the

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Speaker 4: first time in shares, and I was able to help

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Speaker 4: my parents while they were overseas getting treatment for my

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Speaker 4: mum money diarists.

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Speaker 2: That was a fit emotional.

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Speaker 4: Oh my goodness. Yeah, I just feel like there's a

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Speaker 4: lot to unpack there, like not only are you a

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Speaker 4: super special person, but like mom and dad working two

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Speaker 4: jobs and like cleaning offices, Like what Queen and king

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Speaker 4: are they?

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Speaker 2: Like?

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Speaker 4: I just feel like they're the types of pearance that

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Speaker 4: you just know love the shit out of their kids.

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Speaker 2: Yeah, yeah, definitely.

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Speaker 4: Oh that's so special money doce. I want to ask

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Speaker 4: so many questions before we get there, though, What would

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Speaker 4: you grade your money habits if I asked you to

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Speaker 4: give them a grade from A through TOIR?

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Speaker 2: Okay, so I'm going to say a C, and I

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Speaker 2: only say that because the last like eighteen years of

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Speaker 2: my life have been like really bad scarcity mindset, kind

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Speaker 2: of like not really saving. It's something been in the

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Speaker 2: last two years, maybe last year, that I've been able

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Speaker 2: to turn it around. So I'm basing that grade like overall, Yeah.

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Speaker 4: I can already see why you have a scarcity mindset

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Speaker 4: and how challenging it would be to move on from that,

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Speaker 4: Like it's just so ingrained in everything that you do,

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Speaker 4: and even the fact that you want to talk about it,

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Speaker 4: like it's so special. So let's just dive in. Can

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Speaker 4: you tell me a little bit more about your money story.

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Speaker 2: Yeah, So we grew up family six. We lived in

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Speaker 2: a three bedroom house, nothing fancy. It was my older

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Speaker 2: sister in one room and then me and my two

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Speaker 2: other siblings in another. We had a bunk bed and

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Speaker 2: single bed kind of like side my side, and we'd

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Speaker 2: make little thoughts so.

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Speaker 4: Cute though and good memories.

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Speaker 2: I don't really remember much in terms of like childhood

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Speaker 2: distresses there. It was more when we got into high school,

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Speaker 2: Dad not being able to afford our textbooks, let us

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Speaker 2: be sent home about school fees being over due. Just

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Speaker 2: like this memory that sticks out in my head. And

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Speaker 2: every time I think about it, I get a bit

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Speaker 2: worked up. Because Dad couldn't afford the textbooks, and my

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Speaker 2: sister was two grades above us. We were re using

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Speaker 2: her Italian workbook and obviously she'd written in it, and

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Speaker 2: I decided to like liquid paper over it or like

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Speaker 2: rub out where she'd written it. And I was like

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Speaker 2: so embarrassed that I had this like secondhand workbook and

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Speaker 2: everybody had these like pristine white new work books. And

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Speaker 2: that was like really triggering for me.

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Speaker 4: I feel like that it's always the small things, right,

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Speaker 4: Like it's always the small things that you remember that

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Speaker 4: really had an impact. And that doesn't mean that we

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Speaker 4: need to do all the small things right as parents,

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Speaker 4: right because we honestly are doing our best. It's always

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Speaker 4: that sticking point, right, Like I even remember like way back,

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Speaker 4: you know, definitely not a similar situation, but a sticking

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Speaker 4: point for me. I desperately wanted the school bag, like

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Speaker 4: the one with the logo on it. I didn't just

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Speaker 4: want a Kmart school bag, which is what I had.

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Speaker 4: I wanted the school bag that every other kid had.

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Speaker 4: And one was like that is a waste of money,

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Speaker 4: Like absolutely not, We're not getting that, and I'm still like, oh,

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Speaker 4: I just wanted to feel like I had the same

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Speaker 4: school bag from my public primary school that everybody else had,

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Speaker 4: but I just had plainline. It was fine, and like

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Speaker 4: all of that worked, but it's always that that sticking

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Speaker 4: point that you think everybody is paying attention to, but

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Speaker 4: I can promise you they're not. But for you, that

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Speaker 4: was pivotal.

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Speaker 2: Even the embarrassment of like, oh, we have Ali snacks.

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Speaker 2: I don't want to shop at Aldi. That's so embarrassing.

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Speaker 2: And now I'm like freaking our I love a healthy.

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Speaker 4: Yeah, but it's all about mindset, right because as a

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Speaker 4: kids like you don't have a lot of markers of

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Speaker 4: what success looks like. You don't have the ability to

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Speaker 4: step up and be like okay, yeah, but like you're

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Speaker 4: just saying, and like I have in my head the

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Speaker 4: bi low packets of chips, like I remember those and

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Speaker 4: being oh, kind of have the Smiths one. They're like

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Speaker 4: completely printed and all pink, and like kind of have

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Speaker 4: that in my lunch box. It's the same thing. Like

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Speaker 4: you best believe my kids are also not getting their

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Speaker 4: name brand chips. It's just not happening, Like that's not

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Speaker 4: an option. So yeah, it's so interesting. So what happened

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Speaker 4: after that? Like how did life go?

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Speaker 2: So they really struggled. So they got to a point

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Speaker 2: I think we're in like ye eight Mas twenty and

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Speaker 2: I were in the eight you know, nine, were the

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Speaker 2: youngest of the four girls. They started having to pick

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Speaker 2: up a second job, and we would go with them

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Speaker 2: every night to do these like night jobs, and Mum

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Speaker 2: would say, if you just help us, we'll get it

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Speaker 2: done faster and we'll be able to get out of here.

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Speaker 2: But we were just these like young kids and all

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Speaker 2: like whatever, and we'd potter around and not really help.

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Speaker 2: And so like the second jobs will run until like

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Speaker 2: eleven pm midnight, they'd go home, sleep and be up

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Speaker 2: by like five am to get to their day jobs.

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Speaker 2: Mum would commute into the eastern subbs, which was like

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Speaker 2: an hour and a half two buses and a train

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Speaker 2: to clean and then come back. Dad worked in a factory. See,

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Speaker 2: it was really hard and I actually found out I

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Speaker 2: don't why.

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Speaker 4: I'm going to self that thank you for being so

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Speaker 4: vulnerable the toll of like the financial stresses.

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Speaker 2: Dad actually did have a mini stroke during that time

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Speaker 2: that we didn't find out about until just a couple

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Speaker 2: of years ago. But Dad, now he's like, of course

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Speaker 2: I was stressed about money, but I was doing it

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Speaker 2: for my future and for your future. It's now like okay,

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Speaker 2: but it doesn't hurt any less knowing that he was

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Speaker 2: under that much press that he would have a mini stroke.

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Speaker 4: That's a lot. That feels like a really heavy burden,

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Speaker 4: that feels like you are probably feeling really guilty. Yes,

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Speaker 4: there's no guilt there, Like I can promise if I

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Speaker 4: sat down your parents and said would you do it again?

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Speaker 4: They'd say, hands down, absolutely, Like I already know they'd

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Speaker 4: be like, oh my goodness, we love our kids so

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Speaker 4: much more than we could ever explain, and we are

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Speaker 4: so insanely proud of them. They probably look at you

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Speaker 4: and go, that's why we did what we did, Like

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Speaker 4: they don't regret it for a date. And I think

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Speaker 4: that by carrying guilt it does nothing like it literally,

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Speaker 4: like guilt is an emotion that you feel because you

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Speaker 4: feel like you should have done something different or changed,

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Speaker 4: but you've still got a beautiful relationship with your parents,

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Speaker 4: Like it's not as though you lost that. In fact,

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Speaker 4: I feel like they've instilled this beautiful work ethic into you.

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Speaker 4: That is so nice, and like, I know that it

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Speaker 4: feels heavy, but like, I'm just so grateful that you

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Speaker 4: still have your dad here, Like, oh, I'm sorry that

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Speaker 4: it is so heavy, but I'm just so grateful that

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Speaker 4: you've been so vulnerable and actually want to share this

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Speaker 4: because it's so so hard to talk about too, right

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Speaker 4: it is. Yeah, so obviously all of that happened. What

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Speaker 4: happened when you turned eighteen? Like, when did you get

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Speaker 4: your first job? Tell me all about that.

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Speaker 2: So, my first job was at the cinemas. I applied

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Speaker 2: when I was fifteen. That's a cool girl job, the

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Speaker 2: best job I've ever had, hands down. I tell my

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Speaker 2: little niece, she's thirteen, I say, go and work at

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Speaker 2: the cinema. It is so much fun. That was my

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Speaker 2: first job. It's actually where I met my now de

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Speaker 2: Fucto partner.

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Speaker 4: Oh my goodness, love.

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Speaker 2: But I wasn't very good at saving back then either.

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Speaker 2: So things haven't really turned around until I started listening

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Speaker 2: to She's on the money, But that's okay.

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Speaker 4: We were just on our own journey. Yeah, so talk

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Speaker 4: to me about that. So you got your first job

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Speaker 4: at the cinema and then you turned eighteen, did you

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Speaker 4: change jobs, Like, what does that career trajectory look like?

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Speaker 2: I didn't go to UNI just because I was like, oh,

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Speaker 2: I think i'd rather work. So I got a job

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Speaker 2: in a magazine company.

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Speaker 4: Very cool.

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Speaker 2: Then from there I went to the equivalent of like

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Speaker 2: a group on. Then we got bought out by Groupon.

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Speaker 2: Then I was made redundant.

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Speaker 4: Oh my god, that's so stressful.

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Speaker 2: Right, yeah, and now I'm in the job that I

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Speaker 2: was at after I was made redundant. I've been there

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Speaker 2: for years now.

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Speaker 4: And so tell me what do you do for work now?

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Speaker 4: And how much do you earn?

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Speaker 2: Yeah? So I'm a product manager for a tech company

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Speaker 2: in the food industry. I earn one hundred thousand a year,

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Speaker 2: and I just as on Monday, actually got a twenty

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Speaker 2: percent pay rise.

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Speaker 4: I'm sorry, what in this economy? I joined tom pay

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Speaker 4: rise iconic.

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Speaker 2: I hadn't had one in many, many years. I'd actually

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Speaker 2: transitioned from a role within the company into product management.

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Speaker 4: Yeah, okay, and they haven'tted up. So they've been a

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Speaker 4: little cheeky, very very grateful to get that, very privileged.

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Speaker 2: So now that takes me to one twenty.

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Speaker 4: Look at you go. Did you ever think you'd earn

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Speaker 4: over one hundred grand. Like that's pretty cool, right, No way.

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Speaker 2: I remember when we brought our house in two thousand

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Speaker 2: and eleven, I was earning. I would think I was

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Speaker 2: on like forty grand at the magazine company. I could

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Speaker 2: barely with my month's wages cover my repayment.

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Speaker 4: But you did it. Yeah, Just like look at your

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Speaker 4: money story. And we don't even know the half of

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Speaker 4: it yet, but like, look at your money story in

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Speaker 4: comparison to your parents, Like what a bloody privilege the

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Speaker 4: sacrifices they made meant that you got here. And I

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Speaker 4: am already convinced that your work ethic would be so high,

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Speaker 4: Like I already know the reason you're in that job

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Speaker 4: for the last eight years is because they're probably obsessed

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Speaker 4: with you and the fact that you go above and beyond.

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Speaker 4: And you know what, I already know you go above

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Speaker 4: and beyond because you haven't had a pay rise in

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Speaker 4: so long. And you're like, you know, that's fine, Like

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Speaker 4: it's all good. I've just got work to do. Absolutely not,

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Speaker 4: my queen, absolutely not. So I'm so excited, Like your

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Speaker 4: parents must just be like, look, it was worth it,

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Speaker 4: Like it was so worth it and it feels trashy

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Speaker 4: looking back, but like, I think that being grateful for

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Speaker 4: the journey and trying to change your mindset around that

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Speaker 4: is going to be really positive. Like, and it's so

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Speaker 4: hard to do, right, It's not something that's easy, And

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Speaker 4: you look back and you feel like really guilty, but

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Speaker 4: you're like, how do I changed this into gratitude? Like

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Speaker 4: obviously as a kid, you were like, I don't want

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Speaker 4: to be here cleaning offices. I'm gonna doord all around

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Speaker 4: And you're like, oh my god, I would have done

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Speaker 4: so much more had I known. Your parents didn't want

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Speaker 4: you to know, babe, your parents didn't want to put

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Speaker 4: that burden on a child, and they were just trying

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Speaker 4: to make it as easy and nice as possible. Like

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Speaker 4: we're all just out here doing the best that we can.

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Speaker 4: So I just think that that's something that maybe we

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Speaker 4: can work on together. So talk to me a little

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Speaker 4: bit more about big money goals. You said him twenty

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Speaker 4: and eleven, basically when you were still a baby, because

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Speaker 4: you're thirty six now.

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Speaker 2: I was twenty three when we bought our.

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Speaker 4: House, so first home at twenty three.

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Speaker 2: Yeah, but I'm like, was pretty resistant to it. I

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Speaker 2: was like, oh, it's so. It was three hundred and

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Speaker 2: twenty thousand, so nothing like what people are paying now.

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Speaker 2: So yes, very privileged. My now partner was like, you've

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Speaker 2: just got to see the vision. I was like, this

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Speaker 2: place is gross. Want it no, but obviously super grateful

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Speaker 2: that we did it when we did. But it was

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Speaker 2: a struggle at the start, like even trying to make repayments.

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Speaker 2: My half of the repayments was a struggle. But now

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Speaker 2: obviously things are way better.

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Speaker 4: So tell me about now, like what are we currently

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Speaker 4: working towards? What are your big money goals? Obviously having

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Speaker 4: purchased a home in twenty eleven, I wouldn't say set

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Speaker 4: you up for life, but like it would definitely set

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Speaker 4: you on the right path. Yes, we're definitely going to

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Speaker 4: talk about scarcity mindset, but like we're not completely behind

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Speaker 4: the eight ball here, So what are we currently working towards?

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Speaker 4: What are our big money goals?

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Speaker 2: So up until maybe like December January, it was saving

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Speaker 2: to be off work for a while. I have I

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Speaker 2: think they call it like spondylosis or something like that,

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Speaker 2: where the discs in like your L five S one

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Speaker 2: which is responsible like bending and twisting and that it's

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Speaker 2: degraded down to like fifteen percent.

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Speaker 4: Oh my goodness.

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Speaker 2: And so I need to have back surgery and it's

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Speaker 2: meant to be like quite a big recovery.

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Speaker 4: Yeah. Both my parents have had significant back surgery. There's

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Speaker 4: a lot of downtime and a lot of physio and

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Speaker 4: a lot of everything after.

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Speaker 2: Yeah, they need to insert like a cage into the

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Speaker 2: disk space to raise the hype back up. It's pretty gross.

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Speaker 4: Yep, like just fix it. I actually don't want to

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Speaker 4: hear anything about it. I understand it, whereas my mom's

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Speaker 4: the opposite. It's like, tell me all of that if

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Speaker 4: you've got pictures, like.

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Speaker 2: Oh mom, no, so one saving for that. But my

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Speaker 2: GP had put me on controversially weight loss injections to

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Speaker 2: help me prep for surgery. Apparently the lighter you are,

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Speaker 2: the easier it is to recover from the surgery, and

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Speaker 2: there's like less to move about coming in from the front.

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Speaker 2: But that seems to have helped with some of the

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Speaker 2: symptoms that I've been having. So I'm deferring the surgery.

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Speaker 4: Oh my god.

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Speaker 2: Really, yes, And they say don't have back surgery when

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Speaker 2: you're young, because it does make it harder when you get.

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Speaker 4: Older obviously if there's no other option, but like, how

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Speaker 4: good that you had access to this, And like I

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Speaker 4: know that you said controversially, I just feel like it's

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Speaker 4: actually none of my bloody business. We're talking about a

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Speaker 4: prescription medication here that you accessed from your doctor under

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Speaker 4: correct consultation, like full stop in a story. That's not

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Speaker 4: my business, like to have an opinion on a drug.

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Speaker 4: I'm not a doctor, I'm not a pharmacist. I'm an

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Speaker 4: ex financial advisor. It's not my place. Like, I just

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Speaker 4: see so much of it online, Like I'm real pervy,

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Speaker 4: so I do definitely watch the tiktoks and stuff about it,

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Speaker 4: but like, be for real, Like imagine having an opinion

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Speaker 4: on somebody else's health. Ill, David, I love shit script.

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Speaker 2: The weird thing is the injections aren't doing what they're

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Speaker 2: meant to do, so I'm not losing any weight, but

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Speaker 2: it's I guess helping the pain side of things. So

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Speaker 2: I'm like, if that stops me having to have back surgery,

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Speaker 2: I will do it.

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Speaker 4: Honestly, that's so good. I'm so excited for you that

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Speaker 4: you found maybe something a little bit different on one

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Speaker 4: because it's so expensive, but two like that is such

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Speaker 4: a significant surgery that does really impact life forever, Like,

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Speaker 4: oh my goodness, so you are saving for that? Are

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Speaker 4: they any other big money goals you're currently working towards.

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Speaker 2: Well, now I'm trying to like rethink what I want

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Speaker 2: to do. I definitely want to build up my eight shares.

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Speaker 2: And I think i'd like to travel because we've had

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Speaker 2: a house since we were quite young, We've not really

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Speaker 2: traveled at all. Yeah, and I would love to do

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Speaker 2: maybe like six months off and do like Europe and

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Speaker 2: a couple of other places, just to like tick that

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Speaker 2: off the list. We're dinks, double income.

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Speaker 4: No kids, And is that going to ever change?

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Speaker 2: I don't think so.

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Speaker 4: I love that. And is that something that when you're

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Speaker 4: talking about financial planning, you guys like, all right, so

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Speaker 4: we just don't think kids are on the cards. That's cool.

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Speaker 4: But does that mean that we're having conversations about like

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Speaker 4: traveling significantly or are we talking about retiring early? Like

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Speaker 4: what are those conversations? Like, I can't relate.

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Speaker 2: It's a one sided conversation, to be honest. Yeah, Okay,

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Speaker 2: I really want to travel. He's pretty easy going. He's like,

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Speaker 2: if you don't want kids, that's fine. Like we don't

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Speaker 2: have to have kids. If you want to travel, that's

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Speaker 2: fine too. Like, he's pretty easy going. I think he

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Speaker 2: would like to retire.

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Speaker 4: Early, but we need a plan for that, so so

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Speaker 4: we're going to have to start talking about it.

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Speaker 2: Luckily, we're in really privileged physicians to own a good

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Speaker 2: amount of money, so if we wanted to, we just

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Speaker 2: kind of hammer away it, you know, setting ourselves up

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Speaker 2: to retire early.

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Speaker 4: Yeah, that's very cool, So talk to me a little

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Speaker 4: bit more. We mentioned scarcity mindset and how over the

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Speaker 4: last eighteen years it's something that you've really struggled with

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Speaker 4: and you haven't until recent times, really felt like you've

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Speaker 4: been on top of it. How does that impact you

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Speaker 4: day to day Because like, let's be honest, and people

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Speaker 4: are going to think, oh my gosh, relatable. But then also,

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Speaker 4: you told us you have a house, and I'm not

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Speaker 4: saying that's a bad thing. It's a very good thing.

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Speaker 4: But like I know that scarcity mindset comes in many

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Speaker 4: different forms. How's that impacting you? What does that look like?

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Speaker 2: I guess this like compulsion to check my budget spreadsheet

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Speaker 2: every week, check my bank account all the time, even

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Speaker 2: though I know that we're okay, it's the what if

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Speaker 2: we were to lose everything tomorrow? And I think even

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Speaker 2: a bigger driver is with that scarcity mindset. It is

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Speaker 2: like helping my parents if they ever were to need

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Speaker 2: me and wanting to be able to support them. That's

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Speaker 2: a big thing, but it is that really big compulsion

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Speaker 2: to like check things, not really wanting to spend, Like

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Speaker 2: even though I could buy address for sixty dollars if

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Speaker 2: I wanted to, I'm like my better or not? Or

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Speaker 2: even though this face cream is in sale, do I

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Speaker 2: really need it? Probably not a better just save that

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Speaker 2: money that sort of stuff.

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Speaker 4: Yeah, And like that sounds positive at the same time,

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Speaker 4: as I know it can be absolutely crippling because you're like, well,

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Speaker 4: I still want to have fun and I still want

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Speaker 4: to enjoy my life. And you're probably watching people in

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Speaker 4: twenty twenty five on social media doing the same thing.

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Speaker 4: You're like, well, why can't I be more like that

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Speaker 4: or do more things? And it's very frustrating because then

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Speaker 4: you're just like, well, let's say we just bought the

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00:17:47,280 --> 00:17:49,560
Speaker 4: face cream and yoll loaded, I'm sure you've done that before.

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Speaker 4: And then you go home and you're like riddled with guilt.

381
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Speaker 4: You're like, well I didn't need that, and is this

382
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Speaker 4: a slippery slope? Am I just going to go downhill

383
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Speaker 4: after this? I never going to get back on track,

384
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Speaker 4: and like it just wasn't worth it. Like I think

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Speaker 4: that they're as the need to zoom out and do

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Speaker 4: some bigger worker on mindset and that budgeting and cash

387
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Speaker 4: low system, because it sounds like whatever your system is,

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Speaker 4: you're not feeling as confident in it as you could be. Like,

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Speaker 4: don't get me wrong, I check my budget every week.

390
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Speaker 4: I know where things are going. Like, that's actually quite healthy.

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Speaker 4: It's not a bad thing. But if you're compulsively checking

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Speaker 4: because you're like I just need to make sure we

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Speaker 4: are okay, what other things can we put in place

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Speaker 4: that are going to make you feel supported? So the

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Speaker 4: next question I have, which is not usually a money

396
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Speaker 4: Day's episode, have you ever spoken to a financial advisor

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Speaker 4: about your insurances?

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Speaker 2: No? I think we should do that because the insurance

399
00:18:36,480 --> 00:18:38,480
Speaker 2: is in my super Like, I'm very aware of this.

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Speaker 2: I want to change super funds. I too, like you

401
00:18:42,359 --> 00:18:45,680
Speaker 2: are with that very well known retel YEP, thea super

402
00:18:45,720 --> 00:18:49,399
Speaker 2: fun and it hasn't been performing well. I went onto

403
00:18:49,520 --> 00:18:52,640
Speaker 2: the government your super tool.

404
00:18:52,760 --> 00:18:55,240
Speaker 4: Were you in my live last night by chance? Because

405
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Speaker 4: I was talking about this on a webinar literally last night.

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Speaker 2: No, but I joined the first Foundation's workshop.

407
00:19:01,680 --> 00:19:05,040
Speaker 4: You did, ah, girlfriend, I always go off track. So

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00:19:05,119 --> 00:19:07,160
Speaker 4: all of them are different. Like, if you guys think

409
00:19:07,200 --> 00:19:09,960
Speaker 4: you're getting a consistent experience with my finance foundation, of

410
00:19:09,960 --> 00:19:12,680
Speaker 4: course wrong. You'll get the same slides. But oh yap

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Speaker 4: around them.

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Speaker 2: Yes, so I want to change super funds, but the

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Speaker 2: insurances that are in there now, we don't want to

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Speaker 2: give them up. No. Yeah, I don't want to move

415
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Speaker 2: everything across because then I lose those insurances and with

416
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Speaker 2: my back issue, it just kind of complicates things.

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Speaker 4: We need to talk to a financial advisor. I promise.

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Speaker 4: I'm just going to push you towards talking to somebody

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Speaker 4: and I can set you up after with the person

420
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Speaker 4: that's done my insurances. And the reason I want you

421
00:19:38,160 --> 00:19:40,359
Speaker 4: to do that is because they're going to look inside superannuation.

422
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Speaker 4: They're going to check if you have enough cover. They

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Speaker 4: might even bump up your insurances inside super and be

424
00:19:45,240 --> 00:19:47,080
Speaker 4: like okay, money dice, you not covered enough for this,

425
00:19:47,240 --> 00:19:49,480
Speaker 4: and that they're going to talk to you about all

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00:19:49,520 --> 00:19:53,199
Speaker 4: four types of insurance. So obviously inside Superanuation, you probably

427
00:19:53,240 --> 00:19:56,840
Speaker 4: already have life insurance and you probably have a smaller

428
00:19:56,880 --> 00:19:58,240
Speaker 4: income protection policy.

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00:19:58,359 --> 00:20:00,360
Speaker 2: Yeah, that one was I think two thousand le than

430
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Speaker 2: two hundred a month. I actually looked at on the weekend.

431
00:20:02,840 --> 00:20:04,119
Speaker 2: I was like, oh, that is.

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Speaker 4: That's probably not enough. And that's okay, because we could

433
00:20:07,560 --> 00:20:10,760
Speaker 4: increase the amount of cover you have inside superannuation on

434
00:20:10,800 --> 00:20:13,960
Speaker 4: your income protection or we could take out a separate policy.

435
00:20:14,160 --> 00:20:16,360
Speaker 4: You obviously have a pre existing condition of your back

436
00:20:16,359 --> 00:20:20,359
Speaker 4: which they would take into consideration when doing your things.

437
00:20:20,480 --> 00:20:22,360
Speaker 4: That doesn't mean you won't get cover. It just means

438
00:20:22,400 --> 00:20:25,760
Speaker 4: they might exclude those disks in your back. And then

439
00:20:26,080 --> 00:20:28,480
Speaker 4: they would talk to you about TPD, which is total

440
00:20:28,520 --> 00:20:30,960
Speaker 4: and Permanent disability insurance, which you may or may not

441
00:20:31,080 --> 00:20:33,359
Speaker 4: also hold in super And then they would talk to

442
00:20:33,400 --> 00:20:36,200
Speaker 4: you about trauma. And I'm telling you right now, if

443
00:20:36,280 --> 00:20:38,400
Speaker 4: you are feeling like you're worried about your parents, you're

444
00:20:38,400 --> 00:20:40,879
Speaker 4: worried what happens if something happens to me, This is

445
00:20:40,880 --> 00:20:43,600
Speaker 4: going to alleviate that. Like, if something happens to me,

446
00:20:44,240 --> 00:20:47,720
Speaker 4: my income is going to get paid. If something really

447
00:20:47,760 --> 00:20:51,040
Speaker 4: really bad happens to me, my de facto partner is

448
00:20:51,080 --> 00:20:53,040
Speaker 4: not going to be high and dry. They will be

449
00:20:53,119 --> 00:20:55,880
Speaker 4: left with more than enough cash to pay off the mortgage,

450
00:20:55,880 --> 00:20:58,440
Speaker 4: to live a comfortable life, to do all of those things.

451
00:20:59,160 --> 00:21:02,639
Speaker 4: Same with TPDA, you get totally impermanently disabled, there is

452
00:21:02,680 --> 00:21:05,399
Speaker 4: going to be a lump sum payment waiting so that

453
00:21:05,760 --> 00:21:07,480
Speaker 4: we can set the house up, we can make sure

454
00:21:07,560 --> 00:21:09,159
Speaker 4: you get the care that you deserve so that that

455
00:21:09,160 --> 00:21:13,239
Speaker 4: burden isn't on your family. And for me particularly, that

456
00:21:13,359 --> 00:21:16,080
Speaker 4: takes a lot of stress off me knowing, look, if

457
00:21:16,119 --> 00:21:19,000
Speaker 4: something ever happens, like the weight of the world won't

458
00:21:19,000 --> 00:21:21,000
Speaker 4: still be on my shoulders. And I think that that

459
00:21:21,080 --> 00:21:24,160
Speaker 4: has alleviated a lot. I use a company called sky Wealth.

460
00:21:24,200 --> 00:21:26,000
Speaker 4: I probably should give them, like a little shout out.

461
00:21:26,040 --> 00:21:28,920
Speaker 4: It's not paid obviously that I use sky Wealth. I'm

462
00:21:28,960 --> 00:21:30,840
Speaker 4: good friends with Phil Thompson, and a lot of my

463
00:21:30,880 --> 00:21:33,320
Speaker 4: clients when I stopped being a financial adviser went to

464
00:21:33,400 --> 00:21:35,760
Speaker 4: him because I sent them that way, or you know,

465
00:21:35,920 --> 00:21:38,959
Speaker 4: gave them to feel And the reason was because he

466
00:21:39,000 --> 00:21:41,040
Speaker 4: did mine and I trusted him so much, and I

467
00:21:41,119 --> 00:21:44,399
Speaker 4: just feel so much more secure. You know, you probably

468
00:21:44,400 --> 00:21:47,479
Speaker 4: have car insurance, and if you crush your car tomorrow,

469
00:21:47,520 --> 00:21:50,720
Speaker 4: what's going to replace that the insurance? Yes, but your

470
00:21:50,720 --> 00:21:53,720
Speaker 4: income you crush your body tomorrow you're not allowed to work. Well,

471
00:21:54,080 --> 00:21:57,320
Speaker 4: can't replace that, can't just earn a new body. So

472
00:21:57,480 --> 00:22:01,560
Speaker 4: I think that for me not having insurance obviously not great.

473
00:22:01,560 --> 00:22:03,320
Speaker 4: You've probably heard me talk about it if you listen

474
00:22:03,359 --> 00:22:05,720
Speaker 4: to the podcast. But on top of that, it's just

475
00:22:05,800 --> 00:22:09,720
Speaker 4: that mental load. You're like, there's some stuff in the

476
00:22:09,760 --> 00:22:12,000
Speaker 4: background that is going to work, and then if anything happened,

477
00:22:12,080 --> 00:22:14,679
Speaker 4: then you have the financial advisor there. And also, I mean,

478
00:22:14,720 --> 00:22:17,679
Speaker 4: I'm ranting about this, but I'm just wildly passionate about it.

479
00:22:17,680 --> 00:22:20,240
Speaker 4: It's not thousands of dollars like his fees are a

480
00:22:20,240 --> 00:22:22,119
Speaker 4: couple of hundred bucks, because all he's going to do

481
00:22:22,560 --> 00:22:24,600
Speaker 4: is look at your insurances. He's not going to give

482
00:22:24,640 --> 00:22:27,240
Speaker 4: you advice in any other area because if he was to,

483
00:22:27,400 --> 00:22:30,200
Speaker 4: it would become thousands. But this is like once off

484
00:22:30,359 --> 00:22:33,000
Speaker 4: one and done, I'll introduce you, he'll look after you.

485
00:22:33,600 --> 00:22:35,680
Speaker 4: I just feel like that's the right thing. All right,

486
00:22:35,720 --> 00:22:37,040
Speaker 4: we're going to get back on track. We're going to

487
00:22:37,320 --> 00:22:39,240
Speaker 4: or a really quick break on the flip side. I'm

488
00:22:39,240 --> 00:22:40,679
Speaker 4: going to ask you a little bit more about the

489
00:22:40,720 --> 00:22:43,080
Speaker 4: investments because you said you want to top up your shares,

490
00:22:43,160 --> 00:22:45,040
Speaker 4: going to talk about debt? How you feel about that?

491
00:22:45,400 --> 00:22:47,200
Speaker 4: I'm pretty sure you're also going to have some good

492
00:22:47,280 --> 00:22:49,240
Speaker 4: and some not so good money habits that I want

493
00:22:49,280 --> 00:22:55,880
Speaker 4: to share as well. So guys don't go anywhere. All right,

494
00:22:55,920 --> 00:22:58,880
Speaker 4: money Diarist, We are back, and this chat has been

495
00:22:59,000 --> 00:23:00,920
Speaker 4: I don't know, I'm really enjoying this. I feel like

496
00:23:00,960 --> 00:23:03,639
Speaker 4: our community is going to get so much out of

497
00:23:03,680 --> 00:23:06,280
Speaker 4: it because one you're sharing a lot, but two we're

498
00:23:06,280 --> 00:23:08,320
Speaker 4: talking about lots of different things that we don't often

499
00:23:08,400 --> 00:23:11,840
Speaker 4: talk about or money hieries. You mentioned before one of

500
00:23:11,840 --> 00:23:13,959
Speaker 4: your goals was bumping up your shares. Does that mean

501
00:23:14,000 --> 00:23:16,200
Speaker 4: you already have shares? Talk to me about your investments.

502
00:23:16,400 --> 00:23:19,160
Speaker 2: So I invest five hundred and fifty dollars a month,

503
00:23:19,240 --> 00:23:21,160
Speaker 2: I'm a goodness, do you know it's like a really

504
00:23:21,359 --> 00:23:25,760
Speaker 2: random amount. I did my first investment September twenty twenty four.

505
00:23:25,960 --> 00:23:28,720
Speaker 4: What so, she's new, she's new here.

506
00:23:28,600 --> 00:23:30,920
Speaker 2: I'm a movie. I kept hearing you say because I've

507
00:23:30,920 --> 00:23:33,879
Speaker 2: been listening to your podcasts and I never skip an episode.

508
00:23:33,920 --> 00:23:35,680
Speaker 2: I'm up to August twenty twenty three.

509
00:23:35,760 --> 00:23:38,000
Speaker 4: Oh my god, there's seven hundred plus episode.

510
00:23:38,080 --> 00:23:39,760
Speaker 2: Yes, so it's gonna take me a little while along

511
00:23:39,800 --> 00:23:41,639
Speaker 2: of it. That's okay. You say you can have a

512
00:23:41,680 --> 00:23:43,600
Speaker 2: time the market just jump in and I was like, okay,

513
00:23:43,680 --> 00:23:44,920
Speaker 2: we're going to do it. And then the next time

514
00:23:44,960 --> 00:23:47,840
Speaker 2: I was like, okay, this is okay, and I kind

515
00:23:47,840 --> 00:23:50,480
Speaker 2: of think about it, like I could easily spend five

516
00:23:50,560 --> 00:23:53,679
Speaker 2: hundred dollars on takeaway on the day, so I'm feeling

517
00:23:53,720 --> 00:23:56,679
Speaker 2: like extra blue sigoucy with my money. So that's what

518
00:23:56,760 --> 00:23:57,040
Speaker 2: I do.

519
00:23:57,080 --> 00:23:58,880
Speaker 4: But you're comfortable with that you picked, don't amount you're

520
00:23:58,880 --> 00:24:01,159
Speaker 4: comfortable with as opposed to putting our life savings or

521
00:24:01,160 --> 00:24:03,240
Speaker 4: something in and that would make me run for the hills.

522
00:24:03,359 --> 00:24:06,600
Speaker 2: That's right. I have three thousand, seven hundred in combank

523
00:24:06,680 --> 00:24:10,520
Speaker 2: who are you? And three point forty in Pocketbook. I

524
00:24:10,600 --> 00:24:14,280
Speaker 2: started with Pocketbook first because I was a little bit nervous.

525
00:24:14,440 --> 00:24:16,920
Speaker 4: No, I love this. So talk to me about how

526
00:24:16,960 --> 00:24:18,840
Speaker 4: you picked your platform. Like when you were like, oh,

527
00:24:18,920 --> 00:24:20,920
Speaker 4: I'm going to invest, you said that you're with comseck.

528
00:24:21,000 --> 00:24:23,720
Speaker 4: Why comseeck and what are you buying on comseck?

529
00:24:23,840 --> 00:24:26,040
Speaker 2: Okay, So I chose comsek because that's who I was

530
00:24:26,040 --> 00:24:29,440
Speaker 2: banking with before I moved to up Bank that also

531
00:24:29,520 --> 00:24:31,119
Speaker 2: on your recommendation.

532
00:24:30,640 --> 00:24:33,160
Speaker 4: So it's like a colt over here.

533
00:24:33,480 --> 00:24:35,840
Speaker 2: Yeah, I've got a couple of bank shares. So I've

534
00:24:35,880 --> 00:24:40,919
Speaker 2: got Bendigo Bank, Bank of Queensland. I have Sigma Health

535
00:24:41,000 --> 00:24:44,919
Speaker 2: I heard recently, so I was like, done, Dune done.

536
00:24:45,080 --> 00:24:47,960
Speaker 2: I've got Transurban, which is they'd do all the tolls

537
00:24:47,960 --> 00:24:48,480
Speaker 2: and stuff.

538
00:24:48,600 --> 00:24:50,919
Speaker 4: It sounds like you've gone with a portfolio of direct

539
00:24:50,960 --> 00:24:54,720
Speaker 4: shares that you're most comfortable with, which I kind of love.

540
00:24:54,880 --> 00:24:57,160
Speaker 4: Like obviously, lots of people would say that an ETF

541
00:24:57,200 --> 00:25:01,720
Speaker 4: is easier, but given your history and how you've been

542
00:25:01,720 --> 00:25:04,560
Speaker 4: feeling about it, I think you know, for example, Transurban,

543
00:25:04,640 --> 00:25:07,639
Speaker 4: you've probably justified this in your head and been Actually

544
00:25:07,680 --> 00:25:10,600
Speaker 4: people use toll roads every single day and they're relatively expensive,

545
00:25:10,720 --> 00:25:13,679
Speaker 4: so that feels like a not so bad investment. And banks.

546
00:25:13,720 --> 00:25:16,000
Speaker 4: You probably really like Bendigo Bank and you probably know

547
00:25:16,040 --> 00:25:17,840
Speaker 4: that they have an affiligation with up Bank, and you're like,

548
00:25:17,880 --> 00:25:19,280
Speaker 4: that looks like it's going somewhere.

549
00:25:19,720 --> 00:25:19,920
Speaker 1: Yeah.

550
00:25:19,960 --> 00:25:22,639
Speaker 4: I feel like I can see how your brain works.

551
00:25:23,160 --> 00:25:28,160
Speaker 2: That is exactly why they were my first comsect purchase. Yes,

552
00:25:28,280 --> 00:25:30,080
Speaker 2: I was like, okay, we're going to do our first

553
00:25:30,080 --> 00:25:32,000
Speaker 2: comsect one, and it has to be bend to going.

554
00:25:32,119 --> 00:25:34,879
Speaker 4: I adore that you use the comsect platform to buy

555
00:25:34,920 --> 00:25:37,600
Speaker 4: a different bank, So like the irony of that is

556
00:25:37,640 --> 00:25:41,520
Speaker 4: not lost any No, that's gorgeous and I kind of

557
00:25:41,560 --> 00:25:43,720
Speaker 4: love that you've gone nope and comfortable with this. So

558
00:25:43,920 --> 00:25:45,840
Speaker 4: what's the strategy look like moving forward?

559
00:25:45,920 --> 00:25:48,120
Speaker 2: Okay? So I have like a watch list and it's

560
00:25:48,119 --> 00:25:53,000
Speaker 2: generally only companies that I know about all that kind

561
00:25:53,040 --> 00:25:55,360
Speaker 2: of like align with and I do like an EENI

562
00:25:55,440 --> 00:25:56,680
Speaker 2: Meeni Mini mole on the month.

563
00:25:56,760 --> 00:25:59,000
Speaker 4: Cool love you know what, We've all got a strategy

564
00:25:59,400 --> 00:26:01,399
Speaker 4: and five good time in the market. My friend, I

565
00:26:01,400 --> 00:26:03,760
Speaker 4: would be a very rich woman, but I cannot.

566
00:26:03,920 --> 00:26:06,520
Speaker 2: I try not to worry too much about which one's

567
00:26:06,560 --> 00:26:08,919
Speaker 2: the lowest on my watch list. I just kind of like,

568
00:26:09,440 --> 00:26:11,600
Speaker 2: all right, we've done bank and I just kind of

569
00:26:11,600 --> 00:26:13,280
Speaker 2: cycling through. So I'm just trying to work it up.

570
00:26:13,320 --> 00:26:16,320
Speaker 2: My most recent purchase was a Vanguard ETF.

571
00:26:16,440 --> 00:26:19,080
Speaker 4: Oh she's into ETFs as well, just the line.

572
00:26:19,160 --> 00:26:21,440
Speaker 2: Yeah that's cool, but I was pretty proud of that one.

573
00:26:21,520 --> 00:26:23,200
Speaker 4: I can't wait to check in with you in like

574
00:26:23,359 --> 00:26:25,159
Speaker 4: twelve months and be like, where's that out? What's going on?

575
00:26:25,240 --> 00:26:27,679
Speaker 4: Like five fifty a month. That's big dog energy, Like,

576
00:26:27,800 --> 00:26:31,080
Speaker 4: I'm so excited for you. It's just going in the

577
00:26:31,160 --> 00:26:34,760
Speaker 4: right direction. Talk to me about debt. Are you in

578
00:26:34,800 --> 00:26:36,879
Speaker 4: any debt? What does that look like? And how do

579
00:26:36,880 --> 00:26:37,960
Speaker 4: you feel about debt?

580
00:26:38,160 --> 00:26:40,760
Speaker 2: Yeah? So I don't have a hex. I didn't do

581
00:26:40,800 --> 00:26:44,000
Speaker 2: any tertiary education. I don't have any personal loans, never

582
00:26:44,040 --> 00:26:47,200
Speaker 2: had Zippair after pay. I did, for the smallest time,

583
00:26:47,359 --> 00:26:49,960
Speaker 2: have a credit card with a three thousand dollar limit

584
00:26:50,000 --> 00:26:53,520
Speaker 2: on it. I last us that in December twenty twenty three.

585
00:26:53,560 --> 00:26:56,200
Speaker 2: So I signed up for upbank in jan twenty twenty three,

586
00:26:56,720 --> 00:26:59,240
Speaker 2: and by December I had stopped using it, and by

587
00:26:59,280 --> 00:27:01,520
Speaker 2: May twenty twenty five I had closed it off. I

588
00:27:01,600 --> 00:27:03,800
Speaker 2: was like, don't need it. I had set myself up

589
00:27:04,000 --> 00:27:07,679
Speaker 2: to scrawl away little amounts, so if something big came up,

590
00:27:07,720 --> 00:27:10,080
Speaker 2: I was mainly using it for like say, our yearly

591
00:27:10,160 --> 00:27:12,880
Speaker 2: insurance on the house, or my car. I found wanted

592
00:27:12,880 --> 00:27:14,879
Speaker 2: to go visit my sister in Brisbane, those sorts of things.

593
00:27:15,400 --> 00:27:17,199
Speaker 2: So in terms of debts, the only thing we have

594
00:27:17,400 --> 00:27:19,879
Speaker 2: is now home loan. I mentioned. We purchased that for

595
00:27:20,000 --> 00:27:22,000
Speaker 2: three hundred and twenty thousand back in two thousand and

596
00:27:22,240 --> 00:27:25,439
Speaker 2: eleven and we've got about seventy thousand owing on that.

597
00:27:25,520 --> 00:27:28,119
Speaker 4: Oh my god, less than six figures. How does that feel?

598
00:27:28,280 --> 00:27:30,560
Speaker 2: Really exciting? The bulk of it is sitting in our offset.

599
00:27:30,720 --> 00:27:34,600
Speaker 4: Oh she's got nice financial freedom. That's very sexy.

600
00:27:34,800 --> 00:27:37,960
Speaker 2: No, that's my part. I call him my husband, my

601
00:27:38,119 --> 00:27:39,120
Speaker 2: de facto or whatever.

602
00:27:38,960 --> 00:27:44,120
Speaker 4: The person that you cohabitate with. Yes, iconic, So that's exciting.

603
00:27:44,359 --> 00:27:47,040
Speaker 4: What's your property worth now? Obviously having purchased it in

604
00:27:47,080 --> 00:27:49,840
Speaker 4: twenty eleven for about three hundred and twenty grand, I

605
00:27:49,840 --> 00:27:52,360
Speaker 4: would assume it's increased a little bit, so you might

606
00:27:52,400 --> 00:27:53,760
Speaker 4: be sitting on a little bit of equity.

607
00:27:53,880 --> 00:27:55,679
Speaker 2: Yeah, probably around threefold.

608
00:27:55,720 --> 00:27:56,320
Speaker 4: Oh my god.

609
00:27:56,440 --> 00:27:59,600
Speaker 2: Really yeah, we're actually I don't mind giving this away.

610
00:28:00,080 --> 00:28:03,639
Speaker 2: You are in Sydney where the new airport is being built.

611
00:28:03,800 --> 00:28:07,719
Speaker 2: Yeah okay, so, and the property prices are just insane anyway,

612
00:28:07,720 --> 00:28:09,640
Speaker 2: but it has gone up quite significantly.

613
00:28:09,720 --> 00:28:12,080
Speaker 4: Yeah, so it's probably setting it around nine hundred two

614
00:28:12,080 --> 00:28:12,800
Speaker 4: a million.

615
00:28:12,520 --> 00:28:13,520
Speaker 2: Around the nine hundred male.

616
00:28:13,760 --> 00:28:16,280
Speaker 4: Yeah okay, And that is really cool, and that is

617
00:28:16,359 --> 00:28:18,520
Speaker 4: just how property works over that period of time, Like

618
00:28:18,560 --> 00:28:20,960
Speaker 4: that is not surprising. I genuinely was like, I hope

619
00:28:21,000 --> 00:28:23,159
Speaker 4: that she answers it this way because otherwise it's going

620
00:28:23,240 --> 00:28:25,920
Speaker 4: to be relatively awkward, because that's what I'm in taste

621
00:28:25,920 --> 00:28:28,600
Speaker 4: of hating. But what's the plan from here in terms

622
00:28:28,680 --> 00:28:32,760
Speaker 4: of creating financial freedom? Like you in your family home

623
00:28:32,800 --> 00:28:34,520
Speaker 4: that you're like, all right, well, this is you know

624
00:28:34,560 --> 00:28:37,119
Speaker 4: where we want to live forever. We're planning a move like,

625
00:28:37,240 --> 00:28:38,040
Speaker 4: talk to me about that.

626
00:28:38,440 --> 00:28:42,320
Speaker 2: So I am emotionally very tied to this house.

627
00:28:42,160 --> 00:28:43,880
Speaker 4: The one that you told your partner in twenty eleven

628
00:28:44,000 --> 00:28:44,479
Speaker 4: was gross.

629
00:28:44,680 --> 00:28:45,480
Speaker 2: Yep, that's the one.

630
00:28:45,680 --> 00:28:46,200
Speaker 4: Yep. Great.

631
00:28:46,280 --> 00:28:50,440
Speaker 2: We've just done a couple of improvements. We've painted some wolves,

632
00:28:50,880 --> 00:28:54,040
Speaker 2: We've replaced our kitchen, that sort of stuff. I'm quite

633
00:28:54,040 --> 00:28:55,560
Speaker 2: happy being here. It's just a tour of us and

634
00:28:55,560 --> 00:28:57,560
Speaker 2: our dog, and it's enough for us. But he would

635
00:28:57,720 --> 00:29:01,080
Speaker 2: like something nice I quote unquote nine a little bit

636
00:29:01,080 --> 00:29:04,440
Speaker 2: further away, which is fine. I am of a different opinion.

637
00:29:04,600 --> 00:29:06,840
Speaker 2: I was like, what do we need a big house

638
00:29:06,880 --> 00:29:09,280
Speaker 2: for if it's just the two of us activities. There's

639
00:29:09,320 --> 00:29:14,320
Speaker 2: so much room for activities you could get bug beds. Yeah.

640
00:29:14,400 --> 00:29:17,000
Speaker 2: If it was up to him, and I'm not totally

641
00:29:17,040 --> 00:29:19,360
Speaker 2: opposed to this, we would probably move out a little

642
00:29:19,360 --> 00:29:21,240
Speaker 2: bit further west, kind only where my parents are. There's

643
00:29:21,240 --> 00:29:24,560
Speaker 2: a lot happening out that way. Potentially lease this house out.

644
00:29:24,680 --> 00:29:27,160
Speaker 4: Have you ever sat down with the mortgage broker to

645
00:29:27,240 --> 00:29:28,800
Speaker 4: work out what that would look like so that you

646
00:29:28,800 --> 00:29:31,840
Speaker 4: feel a little bit more secure, like making decisions? No,

647
00:29:32,040 --> 00:29:33,960
Speaker 4: I feel like I've got so many things that I

648
00:29:33,960 --> 00:29:36,240
Speaker 4: could help you in this time. I'm like, Okay, can

649
00:29:36,280 --> 00:29:38,280
Speaker 4: I just set you down with a mortgage broker? It

650
00:29:38,320 --> 00:29:40,160
Speaker 4: doesn't like seeing a mortgage broker does not mean you

651
00:29:40,200 --> 00:29:42,360
Speaker 4: have to purchase a property or make a decision, but like,

652
00:29:42,520 --> 00:29:44,320
Speaker 4: let me sit you down with somebody who can go,

653
00:29:44,360 --> 00:29:46,959
Speaker 4: all right, with this amount of equity, you could purchase

654
00:29:47,040 --> 00:29:49,080
Speaker 4: this house. This is what repayments would look like on

655
00:29:49,120 --> 00:29:51,760
Speaker 4: a property like this, and this is what situation you've

656
00:29:51,760 --> 00:29:54,320
Speaker 4: been and here's what rental yield you'd get probably from

657
00:29:54,360 --> 00:29:56,480
Speaker 4: the previous property. So that we could make a little

658
00:29:56,520 --> 00:29:58,120
Speaker 4: plan and sit you down and be like, okay, well

659
00:29:58,120 --> 00:30:00,520
Speaker 4: that's what property would look like and you go, actually,

660
00:30:00,920 --> 00:30:03,240
Speaker 4: I'm not comfortable with that, and then you don't do it,

661
00:30:03,680 --> 00:30:07,000
Speaker 4: or you go, oh, I can see the opportunity there,

662
00:30:07,120 --> 00:30:11,400
Speaker 4: and now instead of having analysis paralysis, and I understand

663
00:30:11,440 --> 00:30:13,840
Speaker 4: that you're currently like going through scarcity mindset. The way

664
00:30:13,840 --> 00:30:15,920
Speaker 4: that we get over that is education. The way that

665
00:30:15,920 --> 00:30:18,400
Speaker 4: we get over that is giving yourself as much information

666
00:30:18,600 --> 00:30:21,840
Speaker 4: and as much power as possible so that making decisions

667
00:30:21,840 --> 00:30:23,760
Speaker 4: feels like a no brainer instead of are like, oh,

668
00:30:23,880 --> 00:30:25,520
Speaker 4: let me keep all of my dollars over here in

669
00:30:25,560 --> 00:30:28,040
Speaker 4: my offset because like right now I'm feeling super secure.

670
00:30:28,480 --> 00:30:30,600
Speaker 4: It's actually I'll sit down with a few people, let's

671
00:30:30,600 --> 00:30:32,920
Speaker 4: get a few opinions, remembering that you're the one in

672
00:30:32,960 --> 00:30:34,800
Speaker 4: the driver's seat. You don't want to do it. We

673
00:30:34,840 --> 00:30:37,760
Speaker 4: don't do it. Like nobody's going to force you into

674
00:30:37,800 --> 00:30:40,320
Speaker 4: signing a property contract and asking for a section thirty

675
00:30:40,320 --> 00:30:43,880
Speaker 4: two promise, Like, but I think that would be especially

676
00:30:43,920 --> 00:30:46,680
Speaker 4: in your relationship where one person maybe wants something Like

677
00:30:46,720 --> 00:30:48,760
Speaker 4: what happens if you sit down with a broker they

678
00:30:48,800 --> 00:30:50,600
Speaker 4: map it all out and say, for this house that

679
00:30:50,640 --> 00:30:53,080
Speaker 4: you guys, are you know considering, or even just this

680
00:30:53,160 --> 00:30:56,760
Speaker 4: price point. Your partner goes, ah, money dice, You're right,

681
00:30:56,800 --> 00:30:59,360
Speaker 4: I don't want to do this, Like I'm actually really happy,

682
00:30:59,480 --> 00:31:02,520
Speaker 4: Like you can be on the same page, so let

683
00:31:02,600 --> 00:31:05,000
Speaker 4: me set you up with that. But that's so exciting.

684
00:31:05,520 --> 00:31:07,960
Speaker 4: I genuinely I just feel like you've got so much

685
00:31:08,000 --> 00:31:10,479
Speaker 4: to a cheat. What else? What are the big plans

686
00:31:10,520 --> 00:31:13,120
Speaker 4: have you got? You told me about travel, what's that

687
00:31:13,240 --> 00:31:14,959
Speaker 4: going to look like in the next few years.

688
00:31:15,080 --> 00:31:18,440
Speaker 2: I actually have a countdown on for my fortieth birthday.

689
00:31:18,480 --> 00:31:21,160
Speaker 2: I figure, let's time it for that a good six

690
00:31:21,200 --> 00:31:23,040
Speaker 2: months off. I don't know what I would do with

691
00:31:23,120 --> 00:31:25,400
Speaker 2: my dog. I think that would be really great because

692
00:31:25,400 --> 00:31:27,640
Speaker 2: I we've not traveled at all, and I just think

693
00:31:27,680 --> 00:31:29,760
Speaker 2: that would be really amazing, especially because we don't plan

694
00:31:29,840 --> 00:31:32,440
Speaker 2: to have kids. I'd prefer to do it like now

695
00:31:32,480 --> 00:31:36,120
Speaker 2: while we can and able to while way back's okay, yep, absolutely,

696
00:31:36,160 --> 00:31:41,000
Speaker 2: But I think the scarcity mindset does stop me from

697
00:31:41,040 --> 00:31:45,240
Speaker 2: wanting to kind of like really struggle to part with

698
00:31:45,440 --> 00:31:48,160
Speaker 2: the money, even though I have some savings and stuff.

699
00:31:48,560 --> 00:31:51,120
Speaker 2: The idea of like even dropping a couple of thousand

700
00:31:51,120 --> 00:31:54,000
Speaker 2: dollars on a holiday, I'm like, oh, I don't know

701
00:31:54,200 --> 00:31:56,400
Speaker 2: about that, even though I really want to do it.

702
00:31:56,440 --> 00:31:58,040
Speaker 2: I was like, I wonder if I could just win

703
00:31:58,040 --> 00:31:58,520
Speaker 2: a holiday.

704
00:31:58,600 --> 00:32:00,640
Speaker 4: Yeah, okay, well, let's work to works that. I mean,

705
00:32:00,680 --> 00:32:01,240
Speaker 4: it's a good.

706
00:32:01,080 --> 00:32:04,200
Speaker 2: Plan manifesting that Way's Jessica reach you where we need her?

707
00:32:04,280 --> 00:32:07,200
Speaker 4: Yeah, I know, right, I actually just finished recording an

708
00:32:07,200 --> 00:32:09,800
Speaker 4: episode about how I think manifestation is bullshit, So that's

709
00:32:09,800 --> 00:32:11,600
Speaker 4: probably not going to sit well. But you've got ages.

710
00:32:11,600 --> 00:32:13,040
Speaker 4: What did you say you were up to, like twenty

711
00:32:13,040 --> 00:32:14,800
Speaker 4: twenty three or something on my podcast? It'll be a

712
00:32:14,840 --> 00:32:17,440
Speaker 4: while to get to that, because I genuinely think it's

713
00:32:17,440 --> 00:32:19,960
Speaker 4: actually about the hard work that you're doing, not manifesting it,

714
00:32:19,960 --> 00:32:22,120
Speaker 4: because if you're looking for it, are you not working

715
00:32:22,160 --> 00:32:26,320
Speaker 4: for it? So? Have you created a holiday plan like

716
00:32:26,440 --> 00:32:28,640
Speaker 4: or are we just not sure about spending thousands of

717
00:32:28,720 --> 00:32:29,440
Speaker 4: dollars on something?

718
00:32:29,440 --> 00:32:29,520
Speaker 1: Like?

719
00:32:29,560 --> 00:32:31,320
Speaker 4: Have we gone and looked at hotels and what we

720
00:32:31,480 --> 00:32:34,000
Speaker 4: do and like, made an aspirational trip.

721
00:32:34,120 --> 00:32:37,600
Speaker 2: I've not looked at anything yet. Just this seed planted

722
00:32:37,640 --> 00:32:40,960
Speaker 2: in my head that didn't like my fortieth birthday, How

723
00:32:41,000 --> 00:32:42,680
Speaker 2: cool would it be if we went and traveled for

724
00:32:42,720 --> 00:32:43,240
Speaker 2: six months?

725
00:32:43,240 --> 00:32:44,200
Speaker 4: Would be so cool?

726
00:32:44,360 --> 00:32:46,160
Speaker 2: It would be so cool. But my partner also doesn't

727
00:32:46,200 --> 00:32:48,120
Speaker 2: like to fly, So I figured my one chance is

728
00:32:48,480 --> 00:32:51,880
Speaker 2: get him over there once, do it all, and come back,

729
00:32:52,000 --> 00:32:54,800
Speaker 2: because if we do a little trip, there's a hard

730
00:32:54,880 --> 00:32:56,720
Speaker 2: chance that I'm getting him back on a flight again.

731
00:32:56,880 --> 00:32:59,280
Speaker 4: Just get him on the international flight. I like it

732
00:33:00,200 --> 00:33:02,960
Speaker 4: so so I wantn't know. I feel like over time

733
00:33:02,960 --> 00:33:05,240
Speaker 4: you've probably collected a few good money habits. What do

734
00:33:05,240 --> 00:33:06,200
Speaker 4: you think your best is?

735
00:33:06,480 --> 00:33:09,120
Speaker 2: Yeah, okay, so I have a couple so shot Back

736
00:33:09,400 --> 00:33:11,680
Speaker 2: didn't know about it until the podcast, Adore.

737
00:33:11,800 --> 00:33:14,280
Speaker 4: I like that I've I've actually had an impact here,

738
00:33:14,440 --> 00:33:16,600
Speaker 4: like this is stroking my ego, like you wouldn't believe.

739
00:33:16,640 --> 00:33:17,440
Speaker 4: Thank you for that.

740
00:33:18,160 --> 00:33:20,200
Speaker 2: So I I'm up to five hundred and sixty one

741
00:33:20,240 --> 00:33:22,720
Speaker 2: dollars in she like shot Back money since May twenty

742
00:33:22,760 --> 00:33:23,880
Speaker 2: twenty four isn't a while?

743
00:33:24,000 --> 00:33:24,600
Speaker 4: And this free?

744
00:33:24,760 --> 00:33:28,680
Speaker 2: Yes, And I don't buy anything that I'm not supposed

745
00:33:28,720 --> 00:33:32,320
Speaker 2: to in quotation, but it's mainly like dog food, love

746
00:33:32,400 --> 00:33:33,600
Speaker 2: doing the pizza hut.

747
00:33:33,680 --> 00:33:34,960
Speaker 4: Shot Back your genius.

748
00:33:35,440 --> 00:33:38,880
Speaker 2: I always buy my fuel voucher for seven to eleven

749
00:33:39,440 --> 00:33:42,440
Speaker 2: every month, so it's just been accumulating and I'm like

750
00:33:42,520 --> 00:33:44,520
Speaker 2: so surprised. Five hundred and sixty one dollars since May

751
00:33:44,760 --> 00:33:45,200
Speaker 2: not bad.

752
00:33:45,320 --> 00:33:47,880
Speaker 4: That's actually a good deal. And it's free money. And

753
00:33:48,160 --> 00:33:49,960
Speaker 4: if you just didn't have the app, you just wouldn't

754
00:33:49,960 --> 00:33:50,920
Speaker 4: have made it full stop.

755
00:33:50,960 --> 00:33:52,880
Speaker 2: In his story, I tell everyone about it as well.

756
00:33:53,120 --> 00:33:55,240
Speaker 4: Oh my gosh, so do I like? I actually feel

757
00:33:55,280 --> 00:33:57,520
Speaker 4: like people are like oh yeah, but she's sponsored by them.

758
00:33:57,520 --> 00:34:01,360
Speaker 4: I'm like, I'm not right now, I still tell you

759
00:34:01,480 --> 00:34:04,240
Speaker 4: it's incredible, Like I will jump up. Why do you

760
00:34:04,240 --> 00:34:06,400
Speaker 4: think I was sponsored by them? Because I couldn't stop

761
00:34:06,440 --> 00:34:07,920
Speaker 4: be apping about how good they were.

762
00:34:08,840 --> 00:34:11,520
Speaker 2: And then I think. My other good money habit is

763
00:34:11,560 --> 00:34:13,960
Speaker 2: how I manage my up and how I like tweak

764
00:34:13,960 --> 00:34:16,799
Speaker 2: my budget. So I have six everyday savers. It's like

765
00:34:16,920 --> 00:34:19,719
Speaker 2: groceries and eating out, transport and fuel, and I have

766
00:34:19,800 --> 00:34:23,320
Speaker 2: like my subscriptions internet and phone. I have my Lexi fund,

767
00:34:23,360 --> 00:34:26,760
Speaker 2: which is my dog health and medicine, that sort of stuff.

768
00:34:26,760 --> 00:34:29,640
Speaker 2: So I have six of those, and then fourteen extra savers.

769
00:34:29,640 --> 00:34:31,200
Speaker 4: Fourteen what are you doing?

770
00:34:31,320 --> 00:34:33,480
Speaker 2: Okay, it sounds a little bit crazy, but it's really not.

771
00:34:33,719 --> 00:34:35,000
Speaker 4: No, it's not crazy if it works.

772
00:34:35,080 --> 00:34:39,360
Speaker 2: I actually started doing so every pay I put in

773
00:34:39,400 --> 00:34:42,120
Speaker 2: a little bit like a third of what my anticipated

774
00:34:42,200 --> 00:34:44,880
Speaker 2: like utilities are going to be, so instead of in

775
00:34:44,880 --> 00:34:46,879
Speaker 2: that month's pay having a huge chunk come out, I've

776
00:34:46,880 --> 00:34:49,359
Speaker 2: been building on it for the last three months. I

777
00:34:49,400 --> 00:34:53,439
Speaker 2: have an emergency fund ticking away. I have the weekly saver.

778
00:34:53,760 --> 00:34:55,400
Speaker 2: I don't remember where I saw this, but it's like

779
00:34:55,640 --> 00:34:57,799
Speaker 2: week one a dollar Week two two dollars and then

780
00:34:57,840 --> 00:34:59,560
Speaker 2: by the end of the year, you've got one thousand

781
00:34:59,560 --> 00:35:02,880
Speaker 2: and three hundre from seventy eight. I have family and

782
00:35:02,960 --> 00:35:05,600
Speaker 2: gifts that I put one hundred dollars into that every

783
00:35:05,640 --> 00:35:08,040
Speaker 2: pay Christmas one hundred dollars of that every pay I

784
00:35:08,040 --> 00:35:11,400
Speaker 2: get paid monthly, and then obviously home and car insurance

785
00:35:11,840 --> 00:35:13,000
Speaker 2: and then like a discretion it.

786
00:35:13,080 --> 00:35:15,800
Speaker 4: Oh my god, I'm loving this. I was going to ask, like,

787
00:35:15,840 --> 00:35:18,080
Speaker 4: how did you do your budget? So is this then

788
00:35:18,120 --> 00:35:20,359
Speaker 4: on a spreadsheet? And then you've implemented this on up

789
00:35:20,400 --> 00:35:21,600
Speaker 4: bank or how have we done this?

790
00:35:21,960 --> 00:35:25,359
Speaker 2: Yes? Okay, So I have my beautiful spreadsheet, I have

791
00:35:25,400 --> 00:35:28,080
Speaker 2: it mapped out for the entire year, and I have

792
00:35:28,200 --> 00:35:30,200
Speaker 2: like all of my fixed expenses, and I tweak it.

793
00:35:30,320 --> 00:35:32,799
Speaker 2: The things that will change it is like if I'm

794
00:35:32,800 --> 00:35:34,480
Speaker 2: going to have my hair done, but now that I've

795
00:35:34,520 --> 00:35:37,520
Speaker 2: got my discretionary fund, it comes out of that. It's

796
00:35:37,600 --> 00:35:41,680
Speaker 2: the weekly savor that changes it mildly. So the week

797
00:35:41,719 --> 00:35:44,239
Speaker 2: one blah blah blah. And then I go into up

798
00:35:44,280 --> 00:35:47,520
Speaker 2: bank and they have a feature pay splitting, and I

799
00:35:47,560 --> 00:35:50,279
Speaker 2: go and I tweak that every month just before I

800
00:35:50,280 --> 00:35:53,040
Speaker 2: get paid, just tweak it if I need to like,

801
00:35:53,080 --> 00:35:55,240
Speaker 2: if I know I'm going to be going out extra

802
00:35:55,320 --> 00:35:57,160
Speaker 2: times to eat, I'll put a little bit more in

803
00:35:58,200 --> 00:36:01,120
Speaker 2: or that sort of stuff that feature I love so much.

804
00:36:01,280 --> 00:36:03,839
Speaker 4: That is so cool. I adore that for you and

805
00:36:04,040 --> 00:36:07,399
Speaker 4: that it's working and that you know you're like, hey, queen,

806
00:36:07,480 --> 00:36:09,760
Speaker 4: I've got six everyday accounts and then I have fourteen

807
00:36:09,800 --> 00:36:12,200
Speaker 4: extra savers. I'm like, sorry, sit down and you. Jesse

808
00:36:12,280 --> 00:36:14,560
Speaker 4: got to eat cheek because she does something really similar

809
00:36:14,600 --> 00:36:17,160
Speaker 4: al like she's planning for everything and then I've got

810
00:36:17,160 --> 00:36:19,799
Speaker 4: my little cash hub system and it works really well

811
00:36:19,800 --> 00:36:22,080
Speaker 4: for me. But it's so cool to learn what other

812
00:36:22,120 --> 00:36:23,759
Speaker 4: people are doing, because I think a lot of us

813
00:36:23,760 --> 00:36:25,680
Speaker 4: ask like, oh, like, what's the best way to budget,

814
00:36:25,680 --> 00:36:27,840
Speaker 4: and it's like, there isn't one. There's just one that

815
00:36:27,920 --> 00:36:30,080
Speaker 4: really works for you and resonates with you and makes

816
00:36:30,080 --> 00:36:33,600
Speaker 4: you feel in control. I'm obsessed. I'm going to give

817
00:36:33,640 --> 00:36:36,319
Speaker 4: you actually access to my money masterclass so that you

818
00:36:36,320 --> 00:36:38,520
Speaker 4: can have my budget and cash flow system because I

819
00:36:38,520 --> 00:36:40,120
Speaker 4: want to see how you go with that and whether

820
00:36:40,160 --> 00:36:42,719
Speaker 4: that helps relieve a little bit of anxiety. There's also

821
00:36:42,719 --> 00:36:44,640
Speaker 4: a whole heap of mindset videos that I think will

822
00:36:44,680 --> 00:36:48,400
Speaker 4: be really helpful, but flipping over. Tell me what's your

823
00:36:48,400 --> 00:36:51,040
Speaker 4: worst money habit. Surely you don't have one I do.

824
00:36:51,480 --> 00:36:52,040
Speaker 2: It's food.

825
00:36:52,200 --> 00:36:54,480
Speaker 4: Ah yeah, okay, what kind of food though.

826
00:36:54,320 --> 00:36:56,520
Speaker 2: There's kind of like no limit. I'm not even boushi.

827
00:36:56,560 --> 00:36:58,560
Speaker 2: I don't go out for fancy dinners. I am a

828
00:36:58,880 --> 00:37:02,080
Speaker 2: take me to McDonald's. The happiest person on this earth. Yeah,

829
00:37:02,160 --> 00:37:05,000
Speaker 2: like we love a nugget. We do, we do normally.

830
00:37:05,080 --> 00:37:07,480
Speaker 2: I'll call my husband when I'm leaving the city to

831
00:37:07,560 --> 00:37:09,520
Speaker 2: lend no I'm coming home and to kind of gauge

832
00:37:09,560 --> 00:37:10,839
Speaker 2: what we're going to have for dinner. And it kind

833
00:37:10,840 --> 00:37:12,600
Speaker 2: of doesn't even take it word coming out of my

834
00:37:12,600 --> 00:37:14,760
Speaker 2: mouth for him to know that I'm angling for takeaway.

835
00:37:14,840 --> 00:37:17,560
Speaker 4: Yeah, niconic, that's me. That's me.

836
00:37:18,000 --> 00:37:20,920
Speaker 2: So that's pretty bad my food spending.

837
00:37:21,000 --> 00:37:22,080
Speaker 4: But does that make you happy?

838
00:37:22,160 --> 00:37:23,239
Speaker 2: It doesn't make me really happy.

839
00:37:23,280 --> 00:37:25,839
Speaker 4: Okay, So, Le, should we really be changing something when

840
00:37:26,000 --> 00:37:27,680
Speaker 4: you just told me hod unless just do a really

841
00:37:27,719 --> 00:37:31,640
Speaker 4: quick breakup? Six everyday accounts, fourteen savers. You've started investing

842
00:37:31,680 --> 00:37:34,919
Speaker 4: relatively aggressively, like you are not only investing, you're doing

843
00:37:34,960 --> 00:37:37,560
Speaker 4: direct shares, and you've just dipped your toes in like

844
00:37:37,719 --> 00:37:39,880
Speaker 4: an ETF like Queen, I think that we can do

845
00:37:39,920 --> 00:37:41,520
Speaker 4: the food based on your budget.

846
00:37:41,640 --> 00:37:44,320
Speaker 2: I just would like to shop a little bit more mindfully,

847
00:37:44,360 --> 00:37:46,920
Speaker 2: like my twin sisters with Pole or opposite. She me

848
00:37:46,920 --> 00:37:50,080
Speaker 2: your plans every single Sunday and she snapchats her plan

849
00:37:50,200 --> 00:37:53,120
Speaker 2: for the week, and she really has takeout. Where of

850
00:37:53,160 --> 00:37:55,200
Speaker 2: the convenience life here at our house.

851
00:37:55,280 --> 00:37:56,840
Speaker 4: Is your sister by chance to have children?

852
00:37:56,920 --> 00:37:57,480
Speaker 2: Yes she does.

853
00:37:57,560 --> 00:37:59,840
Speaker 4: Yeah, there you go, there you go. We're living completely

854
00:38:00,000 --> 00:38:01,120
Speaker 4: different lives.

855
00:38:01,320 --> 00:38:04,840
Speaker 2: Yes, but she's like, doesn't really have takeout, makes everything

856
00:38:04,840 --> 00:38:07,759
Speaker 2: at home, and we're like the convenience life chows us.

857
00:38:07,880 --> 00:38:10,719
Speaker 4: Yeah, yeah, yeah, No, I am with you, like we

858
00:38:10,800 --> 00:38:13,120
Speaker 4: cook a lot at home because I organize Marley Spoon.

859
00:38:13,200 --> 00:38:16,400
Speaker 4: And I'm so grateful for that because otherwise I wouldn't

860
00:38:16,440 --> 00:38:19,680
Speaker 4: be trusted when my husband makes jokes at home, because

861
00:38:19,680 --> 00:38:22,560
Speaker 4: obviously if anyone follows me, they know that even with

862
00:38:22,640 --> 00:38:25,120
Speaker 4: Marley Spoon, I'm not the one cooking. It's usually my husband.

863
00:38:25,160 --> 00:38:27,440
Speaker 4: And if I am, that's novel, and it doesn't mean

864
00:38:27,480 --> 00:38:29,719
Speaker 4: I can't cook. It's just in our house that's a

865
00:38:29,719 --> 00:38:32,160
Speaker 4: blue job. My husband does the cooking full stop. End

866
00:38:32,160 --> 00:38:34,239
Speaker 4: of story. But if it's my night to cook, my

867
00:38:34,320 --> 00:38:36,600
Speaker 4: husband will be like, oh, you should cook, and we

868
00:38:36,719 --> 00:38:39,200
Speaker 4: both know that doesn't mean cook. We both know that

869
00:38:39,239 --> 00:38:41,880
Speaker 4: means using the Uber eatsapp to audit dinner. Like we

870
00:38:42,000 --> 00:38:43,640
Speaker 4: both know that he's like, Oh, it's your turn to cook.

871
00:38:43,640 --> 00:38:46,239
Speaker 4: What are we having? Like Indian, I'll be like, thank

872
00:38:46,280 --> 00:38:49,880
Speaker 4: you for getting me. I regret nothing.

873
00:38:50,280 --> 00:38:52,839
Speaker 2: The other bad money habit is I have like this

874
00:38:53,160 --> 00:38:54,160
Speaker 2: generosity streak.

875
00:38:54,320 --> 00:38:56,120
Speaker 4: Oh no, you're too kind.

876
00:38:56,560 --> 00:38:59,480
Speaker 2: I'm too kind, But I think more like wanting to

877
00:38:59,520 --> 00:39:02,680
Speaker 2: be like like feeling like I don't know. It's like

878
00:39:03,200 --> 00:39:05,880
Speaker 2: something in me that feels like if I buy you

879
00:39:06,000 --> 00:39:09,319
Speaker 2: something or I don't know. It's a really hard one

880
00:39:09,320 --> 00:39:11,480
Speaker 2: to explain. Yes, I'm really working on that one.

881
00:39:11,640 --> 00:39:13,719
Speaker 4: No, I get it. I so get it. And do

882
00:39:13,719 --> 00:39:16,480
Speaker 4: you know what. I've come to the conclusion that I

883
00:39:16,560 --> 00:39:18,759
Speaker 4: need to reflect on why I'm doing it, but it

884
00:39:18,800 --> 00:39:20,520
Speaker 4: doesn't mean it's a bad thing to do it, Like

885
00:39:20,560 --> 00:39:22,200
Speaker 4: I need to just make sure that I'm doing it

886
00:39:22,239 --> 00:39:24,759
Speaker 4: for the right reasons, like not because i want someone

887
00:39:24,800 --> 00:39:27,640
Speaker 4: to like me, but more because I want Like I'm

888
00:39:27,680 --> 00:39:30,800
Speaker 4: a gift giver inherently, like I just love giving people

889
00:39:30,880 --> 00:39:32,759
Speaker 4: a gift that they adore. Like if I found out

890
00:39:32,800 --> 00:39:34,719
Speaker 4: that you loved something and I was able to find

891
00:39:34,719 --> 00:39:37,080
Speaker 4: it for you. Oh my goodness, Like that's my favorite.

892
00:39:37,360 --> 00:39:38,840
Speaker 4: Like I don't want to just buy you something for

893
00:39:38,880 --> 00:39:40,560
Speaker 4: the fun of it, but like if I see something

894
00:39:40,600 --> 00:39:42,120
Speaker 4: and I think it's you, I'm going to get it

895
00:39:42,160 --> 00:39:44,719
Speaker 4: and that gives me probably more joy than it gives you.

896
00:39:45,200 --> 00:39:47,480
Speaker 4: But we just need to keep ourselves in check there

897
00:39:47,520 --> 00:39:51,200
Speaker 4: because obviously if it's people pleasing streak, that involves a

898
00:39:51,200 --> 00:39:53,080
Speaker 4: lot more conversation with ourselves.

899
00:39:53,200 --> 00:39:55,560
Speaker 2: That's what it is. That's the exact word, that's right.

900
00:39:55,640 --> 00:39:58,759
Speaker 4: Yeah, yeah, Look, I am so impressed with you, Like

901
00:39:58,960 --> 00:40:01,560
Speaker 4: I am obsessed with the story we had, how vulnerable

902
00:40:01,600 --> 00:40:05,000
Speaker 4: you were, Like learning so much about you, you're investing

903
00:40:05,280 --> 00:40:08,239
Speaker 4: your house, like the fact that you're so clear on

904
00:40:08,320 --> 00:40:11,400
Speaker 4: what life looks like. You said you're a SI. Though,

905
00:40:11,640 --> 00:40:16,640
Speaker 4: talk to me about this person independently of you. You know,

906
00:40:16,760 --> 00:40:20,399
Speaker 4: she grew up in a situation where her parents were

907
00:40:20,440 --> 00:40:24,440
Speaker 4: so worried about you know, money, parents are working second

908
00:40:24,440 --> 00:40:27,680
Speaker 4: cleaning jobs till midnight, and she now earns one hundred

909
00:40:27,680 --> 00:40:30,719
Speaker 4: and twenty grand a year and she's killing life. Like

910
00:40:30,840 --> 00:40:31,399
Speaker 4: is she a sea?

911
00:40:31,800 --> 00:40:34,040
Speaker 2: Maybe more of a bee. There are some things that.

912
00:40:34,080 --> 00:40:36,000
Speaker 4: I we can always want to be better, but I

913
00:40:36,040 --> 00:40:36,399
Speaker 4: get that.

914
00:40:36,560 --> 00:40:39,800
Speaker 2: Yeah, Like a big one on my list is working

915
00:40:39,800 --> 00:40:41,799
Speaker 2: out my super, like I know that it's not really

916
00:40:41,800 --> 00:40:44,000
Speaker 2: performing at the moment. That's like one of my goals

917
00:40:44,080 --> 00:40:46,040
Speaker 2: for the you to move my super across. There's just

918
00:40:46,080 --> 00:40:48,680
Speaker 2: like little things that I want to achieve before I

919
00:40:49,040 --> 00:40:50,880
Speaker 2: can think that I'm anything more than it'd be.

920
00:40:50,960 --> 00:40:52,640
Speaker 4: All right, well, I'll leave you there. I'm not going

921
00:40:53,360 --> 00:40:56,480
Speaker 4: to bully you into a higher level, but get your

922
00:40:56,480 --> 00:41:00,640
Speaker 4: insurances sorted because then you can change your super without worry.

923
00:41:00,680 --> 00:41:02,880
Speaker 4: And right now that seems like a block because obviously

924
00:41:02,880 --> 00:41:04,879
Speaker 4: you don't want to lose the insurance inside that super.

925
00:41:04,920 --> 00:41:06,080
Speaker 4: And then you're like, well what do I do? Do

926
00:41:06,120 --> 00:41:07,560
Speaker 4: I transfer all of it or some of it? Like

927
00:41:07,600 --> 00:41:10,200
Speaker 4: what am I rolling over? And you can literally talk

928
00:41:10,280 --> 00:41:11,680
Speaker 4: to the fight. They won't be able to give you

929
00:41:11,719 --> 00:41:13,680
Speaker 4: super advice, but they'll be able to talk you through

930
00:41:13,719 --> 00:41:17,080
Speaker 4: like your decision making process, and that's really helpful. And

931
00:41:17,120 --> 00:41:19,200
Speaker 4: I think getting that in place is a really good idea.

932
00:41:19,200 --> 00:41:20,719
Speaker 4: And then I think you should be talking to a

933
00:41:20,719 --> 00:41:23,080
Speaker 4: broker just to get an idea of what property could

934
00:41:23,120 --> 00:41:24,920
Speaker 4: look like, so you and your partner could just be

935
00:41:24,920 --> 00:41:26,880
Speaker 4: on the same page about creating a plan or not

936
00:41:26,920 --> 00:41:29,359
Speaker 4: creating a plan. Yeah, I've adored this. This is so good.

937
00:41:29,400 --> 00:41:31,840
Speaker 4: Thank you for your vulnerability. Thank you for sharing your story.

938
00:41:31,880 --> 00:41:33,480
Speaker 4: I just know that the community is going to love

939
00:41:33,520 --> 00:41:34,440
Speaker 4: this as much as I have.

940
00:41:34,680 --> 00:41:35,160
Speaker 2: Thank you.

941
00:41:35,239 --> 00:41:37,920
Speaker 4: Oh my goodness, Money Doris, thank you so much. It

942
00:41:37,960 --> 00:41:46,440
Speaker 4: has been a pleasure. The ad buy shared on She's

943
00:41:46,480 --> 00:41:48,719
Speaker 4: on the Money is general in nature and does not

944
00:41:48,880 --> 00:41:53,120
Speaker 4: consider your individual circumstances. She's on the Money exists purely

945
00:41:53,160 --> 00:41:56,080
Speaker 4: for educational purposes and should not be relied upon to

946
00:41:56,120 --> 00:41:59,439
Speaker 4: make an investment or financial decision. If you do choose

947
00:41:59,480 --> 00:42:01,040
Speaker 4: to buy a fininancial product.

948
00:42:00,840 --> 00:42:04,360
Speaker 5: Read the PDS TMD and obtain appropriate financial.

949
00:42:03,960 --> 00:42:05,760
Speaker 4: Advice tailored towards your needs.

950
00:42:06,120 --> 00:42:10,080
Speaker 5: Victoria Divine and She's on the Money are authorized representatives

951
00:42:10,120 --> 00:42:12,640
Speaker 5: of Money sherper P T y lt D A b

952
00:42:12,840 --> 00:42:15,880
Speaker 5: N three two one six four nine two seven seven

953
00:42:16,000 --> 00:42:20,120
Speaker 5: zero eight AFS L four five one two eight nine