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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 Whoaltbury 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: And that makes personal finance fun, especially on Fridays. It

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Speaker 4: is our favorite day of the week because one it

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Speaker 4: was Christmas.

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Speaker 2: News is coming, but it's also.

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Speaker 4: A time for us to get our little team together

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Speaker 4: and celebrate you, our incredible She's on the Money family.

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Speaker 4: Jessica Ricci has a few favorite non Christmas money wins. Yes,

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Speaker 4: I'm sorry, jess Christmas is over, Beck. We're going to

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Speaker 4: be sharing some of your very exciting broke tips to

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Speaker 4: help tide us over till the new year, and we're

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Speaker 4: going to be helping to answer a juicy money dilemma,

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Speaker 4: which this week is all about investing for kids and

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Speaker 4: something that you lead into our dms about whether you

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Speaker 4: should leave your job after missing.

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Speaker 2: Out on a promotional or not. Juicy. Yes, so how.

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Speaker 4: Are we all as a good start to the conversation?

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Speaker 2: You go first?

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Speaker 5: Yess good, I'm living in the post Christmas bubble. Are

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Speaker 5: you guys tree down before the end of the year

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Speaker 5: or leave it up?

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Speaker 4: Rages until my husband starts complaining aggressively about the fact

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Speaker 4: that it's up and it's still February, so I haven't

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Speaker 4: hit that not taking it down?

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Speaker 2: Interesting?

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Speaker 5: No, mine's got to be down before January first, which

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Speaker 5: is I mean? I guess I get a lot of

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Speaker 5: mileage pre Christmas. Sure to me, I feel like, you know,

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Speaker 5: the new year knew me fresh slate thing. Yeah, I

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Speaker 5: feel like if I have the Christmas tree up, I'm

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Speaker 5: still living in.

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Speaker 2: Yes, maybe I should go on sprinkling and take it down.

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Speaker 2: You're so like I have weird.

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Speaker 6: Things like one Christmas as soon as like, okay, I

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Speaker 6: don't want to see more of it.

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Speaker 4: Yeah, I expected Miss Jessic Ricci to be like milk

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Speaker 4: and Christmas for all its work. But here she is,

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Speaker 4: She's like, right, so the Christmas tree is absolutely down, Beck,

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Speaker 4: would you like to go to Cols and pick up

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Speaker 4: some hot cross buns?

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Speaker 2: Yeah? I feel like you're onto the next Absolutely, you're

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Speaker 2: f boy.

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Speaker 6: Yeah, one goes away like, Okay, where where's my next

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Speaker 6: waking next?

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Speaker 2: Literally? How about you guys? How's your week spened?

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Speaker 3: Oh?

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Speaker 4: I am absolutely gonna maybe consider taking my Christmas tree down.

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Speaker 4: And when I say that, I'm just going to think

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Speaker 4: about it and.

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Speaker 2: Not do it. It's been good, It's been good. It's

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Speaker 2: very fun.

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Speaker 4: I love this lull between Christmas and New Years where

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Speaker 4: you forget what day it is, Like, what day is it?

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Speaker 2: You don't know it's Wednesday day.

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Speaker 6: It's yeah, it's like real guilt free, not not that

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Speaker 6: it ever shouldn't be guilt free, but it's like really

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Speaker 6: guilt free rest.

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Speaker 1: You know.

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Speaker 4: Yeah, Because I think the thing that I like about

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Speaker 4: this period and maybe like this isn't as relatable because

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Speaker 4: I'm a business owner, is it's the only week of

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Speaker 4: the year where I know the rest of the team.

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Speaker 2: Aren't all on like people going on your leave.

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Speaker 4: But like the business is always on right, even when

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Speaker 4: I'm on holidays, Like I'm still checking in being like

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Speaker 4: how are you guys, Like what are you doing?

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Speaker 2: Do you need me for anything?

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Speaker 4: I know I'm not needed this week because like even

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Speaker 4: the girls that are at work, because we still have

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Speaker 4: like I guess you could say like bait bones teams

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Speaker 4: to make sure that you know the admin's still done

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Speaker 4: and that all of you go get someone you know

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Speaker 4: to come back to you. But like it's one week

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Speaker 4: that I'm like, nobody needs anything from me.

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Speaker 2: This is living. Yeah, I'm going to have a second

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Speaker 2: cocktail on a Tuesday. I am going to do that.

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Speaker 6: Yeah, definitely. There are no rules.

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Speaker 2: There's no rules.

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Speaker 6: I don't think there ever should be. But it's it's

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Speaker 6: nice that we all can collectively.

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Speaker 2: Pressure free week.

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Speaker 7: It really is. It really is.

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Speaker 6: And me I'm back from Sydney, which is really nice.

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Speaker 6: It's been a honestly been of a hell of a time.

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Speaker 6: I've been like waiting for this PA cycle because I'm like, Okay,

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Speaker 6: it's Christmas. It's going to be very expensive. My car

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Speaker 6: got told in the city, no, it costs five hundred.

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Speaker 2: Dollars you parkway.

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Speaker 7: But it was one. They started at four. I thought

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Speaker 7: they started four thirty.

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Speaker 4: Bro, you don't even have the excuse of being pregnant.

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Speaker 4: But I remember I had that when I was pregnant.

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Speaker 4: I parked in them.

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Speaker 2: It was not fun. It was not fun in the city. Yeah,

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Speaker 2: in this Oh no, it was like in Richmond.

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Speaker 4: And then they take your car to that place in

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Speaker 4: Fitzroy and then you have to go pick it up,

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Speaker 4: and then it feels really weird, Like you go in

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Speaker 4: and it's this weird office and they want your money

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Speaker 4: and then they give you your keys and you're just like.

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Speaker 7: You feel like a criminal.

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Speaker 2: Yeah, I am a criminal.

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Speaker 7: It's crazy.

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Speaker 6: It's literally well it depends on the council, but it

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Speaker 6: is Melbourne City. And so four hundred nine dollars and

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Speaker 6: then one hundred and ninety something dollar fine as well, what.

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Speaker 2: A fine on top of that.

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Speaker 6: I know, luckily I could borrow money. But I don't

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Speaker 6: think I got fine.

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Speaker 2: I think I just got the toe and they took

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Speaker 2: my car.

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Speaker 6: I don't think I know that oping they forget sometimes

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Speaker 6: they do, you know, they're just they owly humans.

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Speaker 2: Write out of it. You should do it.

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Speaker 4: Jessica Ricci. She always writes a letter.

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Speaker 2: Might write a letter.

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Speaker 7: I'll write a letter. That's a really good idea. I'll

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Speaker 7: just really this Christmas. You guys, come on, I mean

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Speaker 7: it was.

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Speaker 2: Christmas, and come up with a better excuse than that.

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Speaker 6: I could.

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Speaker 4: I could think it was helping a really frail old

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Speaker 4: man cross the street and therefore I couldn't get back

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Speaker 4: to my car in time.

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Speaker 2: And also there were four puppies stuck.

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Speaker 4: In a drain and I saved them all.

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Speaker 2: And you guys treat me like this.

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Speaker 6: And then I finally got up and saw some want

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Speaker 6: about to hit by cars. Away ran in front of

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Speaker 6: them and push them. I got hit by a car.

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Speaker 6: It's a whole thing.

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Speaker 2: And then I found fifty bucks on the floor. Like

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Speaker 2: I just that there has to be a story.

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Speaker 7: Yeah, true, true. They'll be like, okay, well that's our

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Speaker 7: fifty bucks.

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Speaker 6: Yeah, but no other than that. Honestly, it's been been

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Speaker 6: so jobs looking for a house housemate to soave anyone

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Speaker 6: out there, how's a room let me know, Yes, a

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Speaker 6: bit all over the place, but it's also fun. I'm

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Speaker 6: having I'm having the time in my life.

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Speaker 4: I love it all right, Well, should we get into

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Speaker 4: it because this week we obviously are a bit lean

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Speaker 4: on content because scoletal team in the office. But we

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Speaker 4: have a heap of bloopers from the year that was

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Speaker 4: that we're going to share with you before we you know,

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Speaker 4: start fresh and be better next years my favorite tradition.

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Speaker 2: I love the bloopers.

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Speaker 4: I'm not looking forward to it because I just know

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Speaker 4: that every single time we play them, I'm humbled. But

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Speaker 4: before we get into the bloopers, we actually have another

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Speaker 4: five star review. This one comes to us in an

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Speaker 4: a roundabout way, So this one's from Carolyn and she

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Speaker 4: actually sent us a DM of her five star review.

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Speaker 5: Oh, I'm really trying all methods.

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Speaker 2: I can leave them on.

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Speaker 4: I'll take them however they're coming because they just stroke

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Speaker 4: out egos that this one's from Carolyn, Lol. Don't know

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Speaker 4: how to leave a review on a podcast, so I'm

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Speaker 4: going to send you this. Honestly, this podcast is part

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Speaker 4: of my self care. I want more content from Jess

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Speaker 4: making things coming from another creative queen. I am currently

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Speaker 4: making handkerchiefs for the oldies in my life who need them,

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Speaker 4: and I'm personalizing them. But I'm going to need a

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Speaker 4: Robovac to make time for all of this sewing with

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Speaker 4: how much we work as mums these days, we need

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Speaker 4: things to cook and clean for us. I work four

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Speaker 4: days a week with a fifteen month old, so it

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Speaker 4: is tough to do everything. But thank you so much

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Speaker 4: for joining me on my drives to work. You guys

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Speaker 4: are all friends of mine and I spend so much

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Speaker 4: time with you guys. It's been years as I have

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Speaker 4: been listening since the beginning.

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Speaker 2: Oh that's a really really nice.

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Speaker 4: Pie, isn't that so sweet? Also, I'll take my reviews

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Speaker 4: however they come. You want to send them in dmsleigh.

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Speaker 5: Absolutely, if you do, you want to leave them publicly,

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Speaker 5: you can go in an Apple podcast app and it's

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Speaker 5: you go to our little show page and you scroll

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Speaker 5: down to the bottom and you can leave.

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Speaker 2: You can leave. Do you have to have an Apple phone?

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Speaker 7: No?

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Speaker 4: No, yes you do need to have an Apple phone

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Speaker 4: to be able to leave an Apple review.

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Speaker 2: But you could rate.

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Speaker 4: Us five stars on Spotify if that's what you wanted

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Speaker 4: to do. If you really want to leave a text post,

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Speaker 4: lots of people have been leaving them on Google. I

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Speaker 4: just think that's so funny, like leaving podcast reviews on

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Speaker 4: a Google page.

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Speaker 2: But let's take it. We'll take whatever we can get, so, yeah,

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Speaker 2: we'll picky. We just appreciate it.

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Speaker 7: Yeah, I love that.

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Speaker 2: It's so cute. All right, so let's get into it, mistress.

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Speaker 4: Yes, when it comes to money, wins and confessions, what

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Speaker 4: are you bringing to the table?

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Speaker 2: Alrighty?

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Speaker 5: This week my first moneyman comes from a Rachel who

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Speaker 5: said she was out of her usual misca and she

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Speaker 5: knew that at least one chemist in town was going

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Speaker 5: to have it on sale.

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Speaker 2: Isn't that the truth?

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Speaker 5: She went to Priceline because they had it fifty percent

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Speaker 5: off on the website, but when she got into store

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Speaker 5: there was no sale tag. She asked the lovely sales

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Speaker 5: girl if she could check the price, and apparently it

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Speaker 5: was an online only sale.

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Speaker 2: No, how annoying. So annoying.

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Speaker 5: The girl then said, order it, click and collect, and

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Speaker 5: I'll pick it for you right now and you can

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Speaker 5: just go on your merry way. So asking the question

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Speaker 5: saved her fifteen dollars and it only took two minutes

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Speaker 5: of her time.

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Speaker 7: That's so good.

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Speaker 6: So nicely, she was like, I'll pick a for you

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Speaker 6: right now, because sometimes it's like twenty four hours.

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Speaker 7: It's going to take me tween four hours to pick

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Speaker 7: that up for you.

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Speaker 2: Yeah, shout out to that queen to her.

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Speaker 5: Next, I got money in from Simmo, who said for

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Speaker 5: Christmas she did some styling wrapping. She used all the

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Speaker 5: paper bags that she'd purchased her items in.

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Speaker 2: Oh yeah, I think.

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Speaker 4: I also think now's the time to save all your

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Speaker 4: Christmas wrapping. So go and buy all the gift tags

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Speaker 4: and stuff that it's all fifty yep, y yep, go

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Speaker 4: buy them, put them in the cupboard for next year.

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Speaker 2: A hundred is gonna thank you. Yeah, we love that.

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Speaker 5: Next, I've got a money in from Jessica, who said

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Speaker 5: money good in great name. I recently learned how to

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Speaker 5: crochet for fun a few months ago, and I was

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Speaker 5: able to sell some of the pieces at a couple

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Speaker 5: of markets last week. The side hustle is hustling. Then

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Speaker 5: she made just over three hundred dollars in sales, and

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Speaker 5: she's hoping she can do more with markets next year.

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Speaker 2: And she put in a little photo of her adorable

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Speaker 2: Oh they're cute. The corner side will die. They're adorable.

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Speaker 5: May I suggest sad hamsters. The girlies love a sad hamster.

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Speaker 5: We do love a sad hand because I've got a

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Speaker 5: money loss from Alps who said money loss courtesy of

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Speaker 5: BGW market And she's just done what I ordered or

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Speaker 5: what I expected were versus what I got me too,

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Speaker 5: So she had ordered a wreath.

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Speaker 2: It looks beautiful. There's some floral.

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Speaker 5: Jesus, Jesus and Mary giving a bit of a Nativity vibes.

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Speaker 2: It looks stunning.

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Speaker 5: And then she posted a video of what she got

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Speaker 5: and it's like the classic wish version. It's just a

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Speaker 5: cardboard print she.

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Speaker 7: Thought she bought.

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Speaker 3: She thinks she's.

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Speaker 5: Bought this wreath and she's literally received a cardboard photo.

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Speaker 2: We need.

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Speaker 5: The kozoo sound is at the back of it the video,

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Speaker 5: So yeah, let's see.

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Speaker 2: Okay, she got a piece of cardboard.

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Speaker 5: A cardboard with a photo of the thing that she

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Speaker 5: thought she'd.

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Speaker 2: Do.

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Speaker 5: I believe that happened on the I mean, I know

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Speaker 5: that it's the marketplace, so I'm assuming they don't.

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Speaker 2: Really No, I feel like they're getting they're getting real lax.

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Speaker 4: I bought something last year. Do you remember when I

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Speaker 4: bought that spa? So like that sounds unrelatable, but it

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Speaker 4: was an inflatable I bought the inflatable spa and it

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Speaker 4: came and it was broken, and I had so much

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Speaker 4: back and forth and they wouldn't take responsibility. It wasn't

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Speaker 4: Big w it was actually Woolworth's Marketplace, and they wouldn't

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Speaker 4: take responsibility for it. They said no, no, no, it's the

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Speaker 4: third party. And then I went to the person the

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Speaker 4: third party and they said no, no, no, if it

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Speaker 4: came through Woolworths, that's got nothing to do with us.

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Speaker 4: And then when I was like, okay, cool, well you

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Speaker 4: both have denied it, they're like, oh, shipping, it's a

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Speaker 4: shipping company. And it was a nightmare and I never

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Speaker 4: got my money back.

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Speaker 7: So annoying.

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Speaker 5: Really, those Yeah, those third party setups a little bit.

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Speaker 4: It's just I get that they're making money, but like, oh,

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Speaker 4: just just it's not You.

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Speaker 2: Need to at least get what you're expecting.

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Speaker 5: Like a cardboard cutout is absolutely.

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Speaker 2: Not absolutely not absolutely not.

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Speaker 4: All right, Beck, let's flip on over to your side

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Speaker 4: of the room. What broke tips you bring into the

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Speaker 4: table this week?

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Speaker 6: Okay, so this first one, I didn't catch their name,

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Speaker 6: but they said, hi, all, I'm listening to today's episode and

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Speaker 6: you were talking.

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Speaker 7: About public olive trees.

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Speaker 6: I do remember that There's this website I use called.

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Speaker 5: Olive Trees A little snippy snip, yes, yes, correct.

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Speaker 6: Sorry, Oh my god, I just brush that without giving

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Speaker 6: anyone any context. But yes, you can make your own

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Speaker 6: little olive things. That also doesn't clear it up anyway.

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Speaker 6: There's a website I use called Falling Fruit, which is

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Speaker 6: a map of public fruit trees. They say, don't be

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Speaker 6: a dic k obviously, and you know, just steal everyone's fruit.

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Speaker 6: But it's a good way to find free fruit in

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Speaker 6: season from feral trees where the fruit would otherwise just

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Speaker 6: rotten be wasted.

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Speaker 7: So cool, it's a.

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Speaker 2: Really good idea. I love that there's an app for that. Yeah,

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Speaker 2: that's so smart. I adore it.

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Speaker 4: There's actually on the walk that my husband and I do,

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Speaker 4: there's a fig tree, and if you know me, I

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Speaker 4: adore figs, like figs would be my favorite fruit. But

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Speaker 4: they're so expensive, so like I can't buy them, like

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Speaker 4: like not not because I can't afford them. I don't

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Speaker 4: want people to be like Victoria. We know that you

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Speaker 4: can afford a fit. I can, but I can't justify

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Speaker 4: it like that's like a luxury like that.

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Speaker 7: I'm just one figure.

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Speaker 4: They can be like three or four dollars, which I

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Speaker 4: think is just insane.

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Speaker 6: For like two, like generously two spoonfuls of.

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Speaker 2: Yeah, like fruit.

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Speaker 4: I just I can't justify it, but they are delicious.

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Speaker 4: And so I have had this fig tree in my

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Speaker 4: radar because I can see the figs aren't right, you're

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Speaker 4: just waiting, waiting, Jessica, someone ransacked the tree and there's

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Speaker 4: no figs.

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Speaker 2: Broken. Oh that's so sad.

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Speaker 4: Yeah, well that's the So I'm going to go on

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Speaker 4: this app and find where and have a little turn.

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Speaker 6: Yeah, several turn, so this one obviously, you know where.

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Speaker 6: Kind of looking forward now to our future Christmas selves,

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Speaker 6: and we're on every single year. I feel like maybe

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Speaker 6: we're all the same. We're like, Okay, next Christmas, I'm

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Speaker 6: going to be a little bit better.

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Speaker 4: But when now's the time to set up your savings

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Speaker 4: account and to the automatic transfers to make sure it

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Speaker 4: actually happens. Totally, you're probably still feeling the sting from Christmas,

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Speaker 4: so set it up while it's still hurts, instead of

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Speaker 4: like letting it get to February or March and you're like,

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Speaker 4: I'll work it out later.

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Speaker 7: Yeah, totally.

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Speaker 6: Well, I that little preface was just to justify this

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Speaker 6: very Christmas paper tip from Katie. So we did mention this,

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Speaker 6: I think a couple of weeks ago. But Katy says,

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Speaker 6: buy a roll of brown paper from BGW and paint

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Speaker 6: your own wrapping paper. Kids love it, and my husband

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Speaker 6: and I are making a date night of it. How

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Speaker 6: cute painting paper for the gifts for each other this Christmas.

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Speaker 6: So I think that's a really really cute idea. And

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Speaker 6: obviously if you have.

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Speaker 4: The birthdays and stuff too. I have been using brown

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Speaker 4: paper for forever. I just changed the decoration that I

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Speaker 4: put on it. Right now, There's going to be so

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Speaker 4: many like Christmas bows and stuff that will be on

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Speaker 4: sale that you could use with brown paper for birthdays. Yes,

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Speaker 4: because like it, just because it's rare doesn't mean it

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Speaker 4: can't be used at a birthday.

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Speaker 6: Yeah, absolutely, absolutely, Yeah, because there are other things you

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Speaker 6: need to wrap throughout the year. So yeah, just keep

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Speaker 6: that in mind for your also for your future Christmas self.

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Speaker 7: Okay, so this one I thought was really funny.

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Speaker 6: It's also quite Christmasy, but you can use this for

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Speaker 6: any other celebration, but keep it in mind for next Christmas.

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Speaker 6: So do a Secret Santa with strictly Facebook Marketplace freebies,

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Speaker 6: so you just like.

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Speaker 2: Yeah, iconic, terrifying.

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Speaker 6: Yeah, but you know, like there's also you know, gum

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Speaker 6: I don't know if anyone uses gum tree anymore.

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Speaker 2: But still around.

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Speaker 6: I still kind of use it, But gum Tree there's

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Speaker 6: a free section marketplace free section, just like it's like

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Speaker 6: the marketplace edition of Secret Santa.

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Speaker 7: So I think it's.

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Speaker 6: Really cute, really funny. Yeah, and you can get some

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Speaker 6: silly things all for free. We love free pair it

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Speaker 6: with your handmade brown paper perfect.

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Speaker 2: I love that. That's really cute.

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Speaker 4: All right, let's go to a really quick break because

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Speaker 4: on the flip side, we're going to be talking about

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Speaker 4: a money dilemma this week. We're talking investing for kids

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Speaker 4: and something that you slid into our DMS about. We're

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Speaker 4: going to be asking the question whether you should be

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Speaker 4: leaving your job after you didn't get the promotion you

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Speaker 4: went for. I feel like that could be spicy, like

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Speaker 4: could be good, could be bad.

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Speaker 2: Yeah, sometimes maybe good, sometimes maybe not.

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Speaker 5: Moving on, Welcome back, everybody, Let's take a listen to

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Speaker 5: this week's money dilemma.

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Speaker 2: Hi, there, have you got a money dilemma?

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Speaker 4: You just can't solve the sheese on The Money Team

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00:16:45,880 --> 00:16:48,920
Speaker 4: is here to help. Every week, we tackle your dilemmas,

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Speaker 4: both big and small, to answer your most burning money,

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Speaker 4: career and life questions. To get involved, simply head to

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Speaker 4: our website and leave us a short voice recording and

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Speaker 4: you might just find yourself on the show. Now, let's

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Speaker 4: listen to this week's Money dilemma.

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Speaker 8: High Team Love the podcast. I've been listening through your

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00:17:07,840 --> 00:17:11,560
Speaker 8: back catalog on investing for children, which has been super helpful,

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Speaker 8: but I was hoping you could give a bit more

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Speaker 8: information on the investment bond that you chose.

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Speaker 2: For Harvey Victoria.

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Speaker 8: I've had a Google and there seems to be a

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Speaker 8: lot of information on investment bonds, but none from I

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Speaker 8: guess providers that I recognize, and I don't know what

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Speaker 8: I should be looking for in terms of a reputable

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Speaker 8: investment bond or if there are specific brands that are

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Speaker 8: better than others depending on my needs. Hoping that you

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Speaker 8: could give a little bit more of an explainer on

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Speaker 8: how to choose an investment bond and what to look

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Speaker 8: for to set this up in the best possible way

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Speaker 8: for my kids.

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Speaker 2: Thanks so much, Ooh.

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Speaker 4: Spicy this is going to be some personal financial advice

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Speaker 4: which I'm legally not allowed to give.

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Speaker 2: So yeah, there is that.

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Speaker 4: Yeah, I mean it's a fun conversation because and this

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Speaker 4: is why we have said, yeah, let's like answer this

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Speaker 4: on the pod, because I'm obviously not going to go, oh, hey, well,

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Speaker 4: the reputable one is X. There are a number of

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Speaker 4: reputable companies in Australia. As I've said on podcasts before, like,

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Speaker 4: I totally understand that you guys, and this is.

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Speaker 2: Like, I don't know. I feel like I'm being a gatekeeper.

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Speaker 4: And I promise I'm not trying to be a gatekeeper,

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Speaker 4: but I know that I'm a finance expert, like I

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Speaker 4: know that as a fact.

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Speaker 2: I also know that you guys are.

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Speaker 4: So kind and so nice and trust me so much

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Speaker 4: that if I shared the exact investment bond I have

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Speaker 4: for Harvey, You're just going to pick that one.

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Speaker 2: I know that's what's going to happen.

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00:18:45,400 --> 00:18:47,639
Speaker 4: It happens in my team, it happens in my life

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Speaker 4: all the time, where I go I invest in X,

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Speaker 4: Y Z, and then someone will just pick that because

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Speaker 4: I picked that, and that doesn't mean it's the right

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Speaker 4: thing for you. So when you're looking into investment bonds.

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Speaker 4: There are lots of different, very reputable places that offer

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Speaker 4: them here in Australia.

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Speaker 9: Right.

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Speaker 2: I worked a couple of years.

446
00:19:06,400 --> 00:19:10,800
Speaker 4: Ago, now a year ago with Australian Unity, who are

447
00:19:10,840 --> 00:19:14,280
Speaker 4: most known for their superannuation. There is Gen Life, they

448
00:19:14,280 --> 00:19:16,960
Speaker 4: have a lot of investment bond products. They have a

449
00:19:17,040 --> 00:19:22,760
Speaker 4: child specific investment bond product. There's Centuria Capital, I DOUBLEF

450
00:19:23,440 --> 00:19:26,440
Speaker 4: you can even find some information on the ASX website

451
00:19:26,480 --> 00:19:29,800
Speaker 4: about it. I think it's all about finding a company

452
00:19:29,880 --> 00:19:34,080
Speaker 4: and then validating the information. So if you've never looked

453
00:19:34,119 --> 00:19:37,960
Speaker 4: into investment bonds, you're probably never going to have heard

454
00:19:37,960 --> 00:19:42,000
Speaker 4: of Generation Life, right, because they specialize in investment bonds.

455
00:19:42,320 --> 00:19:44,480
Speaker 4: So yeah, you might not have heard of the company,

456
00:19:44,600 --> 00:19:47,320
Speaker 4: but that doesn't mean they're not super legitimate. So I

457
00:19:47,320 --> 00:19:51,000
Speaker 4: think it's about then fact checking. You know, who's their CEO,

458
00:19:51,200 --> 00:19:53,520
Speaker 4: what happens, you know, how many customers do they have,

459
00:19:53,600 --> 00:19:55,960
Speaker 4: how long have they operated for? Like do you feel

460
00:19:55,960 --> 00:19:58,639
Speaker 4: comfortable with it? And I think for those of you

461
00:19:58,680 --> 00:20:03,160
Speaker 4: who haven't heard of anstment bond and investment bond is

462
00:20:03,200 --> 00:20:07,040
Speaker 4: a way that a lot of people, especially higher income earners,

463
00:20:07,720 --> 00:20:13,040
Speaker 4: find investing for kids quite attractive because an investment bond

464
00:20:13,200 --> 00:20:17,200
Speaker 4: is a tax paid investment, which means that the earnings

465
00:20:17,400 --> 00:20:22,120
Speaker 4: of that investment are actually taxed within the fund, so

466
00:20:22,160 --> 00:20:25,239
Speaker 4: they're not a part of your personal income tax and

467
00:20:25,280 --> 00:20:25,920
Speaker 4: you don't.

468
00:20:25,720 --> 00:20:27,679
Speaker 2: Have to pay it at your marginal tax.

469
00:20:27,480 --> 00:20:30,360
Speaker 4: Rate, which is very sexy, especially for those people who

470
00:20:30,400 --> 00:20:34,760
Speaker 4: earn those top brackets of marginal income. So does that

471
00:20:34,880 --> 00:20:37,399
Speaker 4: mean I can make a recommendation. Absolutely not. But I

472
00:20:37,400 --> 00:20:40,679
Speaker 4: think it's about doing your own research and starting to

473
00:20:40,720 --> 00:20:43,879
Speaker 4: look into options and like maybe make a spreadsheet right

474
00:20:44,000 --> 00:20:47,119
Speaker 4: down the ones that you're finding. But I'm not surprised

475
00:20:47,200 --> 00:20:49,680
Speaker 4: that you haven't heard of the companies that are offering

476
00:20:49,800 --> 00:20:52,399
Speaker 4: investment bonds because at the end of the day, a

477
00:20:52,440 --> 00:20:56,720
Speaker 4: lot of them, they're entire offering is bonds, So why

478
00:20:56,720 --> 00:20:59,080
Speaker 4: would you have engaged with that platform before.

479
00:20:59,160 --> 00:20:59,640
Speaker 2: So I'm not.

480
00:20:59,600 --> 00:21:02,720
Speaker 4: Surprised you've never heard of them, but if you started

481
00:21:02,720 --> 00:21:05,399
Speaker 4: to dig deeper. So for example, I'm just going to

482
00:21:05,440 --> 00:21:07,960
Speaker 4: ask you to have you heard of Generation Life before?

483
00:21:08,119 --> 00:21:08,520
Speaker 2: Literally?

484
00:21:08,520 --> 00:21:08,720
Speaker 1: Never?

485
00:21:08,840 --> 00:21:09,040
Speaker 8: Never?

486
00:21:09,480 --> 00:21:09,720
Speaker 3: Cool?

487
00:21:09,720 --> 00:21:12,560
Speaker 2: Have you heard of Grant Hackett before? Yes? Is that

488
00:21:12,640 --> 00:21:15,120
Speaker 2: a queer plus of some sort?

489
00:21:15,240 --> 00:21:15,440
Speaker 6: Yep?

490
00:21:15,800 --> 00:21:17,880
Speaker 2: Oh yeap, but you know the name right?

491
00:21:18,000 --> 00:21:18,280
Speaker 4: Yeah?

492
00:21:18,320 --> 00:21:21,840
Speaker 2: Cool? He's their ceosy. Yes, look at it.

493
00:21:22,359 --> 00:21:24,720
Speaker 4: So like the more you get into it, the more

494
00:21:24,720 --> 00:21:28,199
Speaker 4: you're going to learn about the platform and how that

495
00:21:28,240 --> 00:21:31,119
Speaker 4: works and go oh there are some names I understand.

496
00:21:31,160 --> 00:21:33,720
Speaker 4: So I think it's all about doing your research because

497
00:21:34,040 --> 00:21:36,679
Speaker 4: investment bonds they're not that talked about, but like they

498
00:21:36,720 --> 00:21:37,320
Speaker 4: are very.

499
00:21:37,160 --> 00:21:39,280
Speaker 5: Popular and if you do want to dive into the

500
00:21:39,359 --> 00:21:41,600
Speaker 5: archives a little bit like our listener, we'll pubblin in

501
00:21:41,640 --> 00:21:43,720
Speaker 5: the show notes to that episode on Investing VI Kids

502
00:21:43,720 --> 00:21:45,280
Speaker 5: where you chat about investment bonds.

503
00:21:45,119 --> 00:21:50,000
Speaker 4: At absolutely all, Right, let's move on because guys, obviously

504
00:21:50,040 --> 00:21:51,960
Speaker 4: we had a DM this week and I can't wait

505
00:21:52,000 --> 00:21:54,280
Speaker 4: to dive in and have a yap about it.

506
00:21:54,760 --> 00:21:55,439
Speaker 2: Are you ready?

507
00:21:55,800 --> 00:21:56,000
Speaker 7: Yes?

508
00:21:56,080 --> 00:21:58,760
Speaker 2: Okay, so this week we got a DM. Hey, she

509
00:21:59,000 --> 00:21:59,639
Speaker 2: is on the money.

510
00:22:00,160 --> 00:22:02,800
Speaker 4: I need your advice as I'm feeling stuck after a

511
00:22:02,920 --> 00:22:06,120
Speaker 4: tough year. I went through a promotion. I've been working

512
00:22:06,160 --> 00:22:09,119
Speaker 4: towards with extra hours and new responsibilities, and I've been

513
00:22:09,119 --> 00:22:12,359
Speaker 4: getting so much positive feedback, but i still didn't get it.

514
00:22:12,800 --> 00:22:15,440
Speaker 4: They gave it to someone else, and I'm left wondering

515
00:22:15,520 --> 00:22:18,800
Speaker 4: if I'm wasting my time. My husband says, the only

516
00:22:18,880 --> 00:22:20,920
Speaker 4: way to get ahead is to leave and start fresh

517
00:22:20,960 --> 00:22:23,920
Speaker 4: in the new year. But that idea feels overwhelming. I've

518
00:22:23,960 --> 00:22:27,560
Speaker 4: invested so much here and I'm scared leaving. We've been

519
00:22:27,720 --> 00:22:30,800
Speaker 4: throwing it all away. Maybe I'm holding myself back by

520
00:22:30,840 --> 00:22:33,879
Speaker 4: staying where I'm not valued. The new you feels like

521
00:22:33,960 --> 00:22:36,800
Speaker 4: a turning point, but I don't know which way to go.

522
00:22:37,080 --> 00:22:37,760
Speaker 2: What would you do?

523
00:22:39,840 --> 00:22:42,880
Speaker 6: This feels very similar to when I started working here.

524
00:22:42,920 --> 00:22:45,040
Speaker 7: Actually I was on reception and I really wanted to

525
00:22:45,040 --> 00:22:45,560
Speaker 7: get into.

526
00:22:45,359 --> 00:22:47,920
Speaker 6: Like the book at you working your way up thank You,

527
00:22:48,359 --> 00:22:51,879
Speaker 6: and I spent so much time. But you know, my

528
00:22:51,960 --> 00:22:54,320
Speaker 6: situation was different, I do want to say, because I

529
00:22:54,440 --> 00:22:58,080
Speaker 6: was at zero, like no quolls, no anything, and then

530
00:22:58,160 --> 00:23:00,680
Speaker 6: tried to work my way into video, which is very

531
00:23:00,720 --> 00:23:03,520
Speaker 6: you know, you would ideally have maybe a degree or something,

532
00:23:03,840 --> 00:23:05,840
Speaker 6: and so mine was different. But I remember going for

533
00:23:05,840 --> 00:23:09,040
Speaker 6: a few jobs and just I repeatedly got like really

534
00:23:09,080 --> 00:23:13,280
Speaker 6: good feedback and everyone was very impressed by like my

535
00:23:13,720 --> 00:23:16,320
Speaker 6: determination and all this kind of stuff. And I kept

536
00:23:16,320 --> 00:23:18,480
Speaker 6: getting really good feedback, but then not getting the job

537
00:23:18,520 --> 00:23:21,480
Speaker 6: and being like, I literally don't know what's happening. I'm

538
00:23:21,880 --> 00:23:24,000
Speaker 6: I'm about to walk out of here and just give

539
00:23:24,040 --> 00:23:26,040
Speaker 6: it all up. But I just you know, I think.

540
00:23:25,880 --> 00:23:27,320
Speaker 2: That she's a tenacious queen.

541
00:23:27,640 --> 00:23:28,520
Speaker 6: She's a tenacious queen.

542
00:23:28,520 --> 00:23:31,359
Speaker 7: Also, I was like, this really is it's who you know?

543
00:23:31,480 --> 00:23:33,879
Speaker 6: Because on my resume right now, no one else is

544
00:23:33,960 --> 00:23:36,120
Speaker 6: ever going to consider me for the same role.

545
00:23:36,280 --> 00:23:39,760
Speaker 4: Absolutely very sweet on freelance now too, sorry are you

546
00:23:39,880 --> 00:23:42,240
Speaker 4: not the video editor ones podcast?

547
00:23:42,320 --> 00:23:42,879
Speaker 1: I am?

548
00:23:43,000 --> 00:23:43,200
Speaker 5: Now?

549
00:23:43,440 --> 00:23:43,760
Speaker 6: I am?

550
00:23:43,760 --> 00:23:46,879
Speaker 2: Now I've really going to hire me? I'm sorry? Have

551
00:23:47,000 --> 00:23:48,679
Speaker 2: you not got a big job as well?

552
00:23:49,560 --> 00:23:50,680
Speaker 7: That's true, I should rephrase that.

553
00:23:50,760 --> 00:23:52,719
Speaker 6: I mean like at the time, I was more like

554
00:23:53,320 --> 00:23:56,800
Speaker 6: with my current you know, resume, and I was just like,

555
00:23:56,840 --> 00:23:58,240
Speaker 6: you know that that kind of thing isn't going to

556
00:23:58,240 --> 00:23:59,840
Speaker 6: be considered anywhere else. So for me, it was a

557
00:24:00,080 --> 00:24:02,840
Speaker 6: different I do want to say that also, I don't

558
00:24:02,880 --> 00:24:04,080
Speaker 6: know that this is necessary, but.

559
00:24:04,080 --> 00:24:07,760
Speaker 7: Getting ahead looks different for sometimes going to look different

560
00:24:07,760 --> 00:24:08,400
Speaker 7: for a man and a woman.

561
00:24:08,480 --> 00:24:11,280
Speaker 6: So I appreciate your husband's support, but it might look

562
00:24:11,320 --> 00:24:14,960
Speaker 6: a little bit different for you anyway. All I'm saying

563
00:24:15,000 --> 00:24:18,640
Speaker 6: is I would maybe talk to if it's possible, talk

564
00:24:18,680 --> 00:24:21,000
Speaker 6: to the person hiring or whoever you have a relationship

565
00:24:21,000 --> 00:24:24,320
Speaker 6: with there and express that you're probably going to It's

566
00:24:24,520 --> 00:24:26,960
Speaker 6: very normal to feel completely disenchanted by this point. And

567
00:24:27,000 --> 00:24:30,000
Speaker 6: be like, I actually just worn out now because I

568
00:24:30,119 --> 00:24:32,879
Speaker 6: keep getting told that I'm doing well why and my

569
00:24:33,119 --> 00:24:36,600
Speaker 6: not moving up? Maybe just like discussing that not in

570
00:24:36,640 --> 00:24:38,840
Speaker 6: like a way. It's like either give me a job

571
00:24:38,920 --> 00:24:40,119
Speaker 6: or I'm out of here, or give me a promotion

572
00:24:40,200 --> 00:24:42,159
Speaker 6: I'm or I'm out of here more. Just like I

573
00:24:42,160 --> 00:24:44,920
Speaker 6: think I have to cap myself at like I think

574
00:24:44,920 --> 00:24:46,920
Speaker 6: I'm going to give it six more months if nothing

575
00:24:46,960 --> 00:24:49,240
Speaker 6: really changes, unfortunately, I do have to like look elsewhere,

576
00:24:49,280 --> 00:24:50,680
Speaker 6: just kind of like I don't know, maybe if it's

577
00:24:50,880 --> 00:24:53,280
Speaker 6: a candid if you can have a candid chat with

578
00:24:53,320 --> 00:24:56,080
Speaker 6: someone about that, they might make them be like, oh crap,

579
00:24:56,119 --> 00:24:57,560
Speaker 6: we don't want to get rid of this person, and

580
00:24:57,560 --> 00:24:59,840
Speaker 6: we don't want to lose this person. But even for yourself,

581
00:25:00,119 --> 00:25:03,439
Speaker 6: maybe give yourself like a mental timeline and be like,

582
00:25:03,840 --> 00:25:06,560
Speaker 6: if by June next year nothing changes, or I'm not

583
00:25:06,640 --> 00:25:11,480
Speaker 6: even slightly closer, I'm gonna look elsewhere because I feel

584
00:25:11,480 --> 00:25:14,040
Speaker 6: like the experience someone else will sum there's someone out

585
00:25:14,080 --> 00:25:16,520
Speaker 6: there that's I I'll snap you up.

586
00:25:16,720 --> 00:25:17,399
Speaker 2: What do you reckon?

587
00:25:17,520 --> 00:25:17,840
Speaker 9: Jess?

588
00:25:18,119 --> 00:25:20,959
Speaker 5: I would seek feedback. I think, like to agree with

589
00:25:21,040 --> 00:25:23,800
Speaker 5: what you were saying back. I think it's really hard

590
00:25:23,840 --> 00:25:25,240
Speaker 5: when you're like, I feel like I'm doing all the

591
00:25:25,320 --> 00:25:28,000
Speaker 5: right things. I'm getting good feedback, I'm meeting my results,

592
00:25:28,000 --> 00:25:30,360
Speaker 5: I'm hitting my KPIs whatever that looks like for you.

593
00:25:30,720 --> 00:25:33,960
Speaker 5: I'm doing all the right things, but nothing is changing,

594
00:25:34,680 --> 00:25:37,080
Speaker 5: you know, And I can understand how for our listener

595
00:25:37,119 --> 00:25:40,719
Speaker 5: you would think, oh, but what else could I possibly do?

596
00:25:40,800 --> 00:25:42,640
Speaker 5: What else do you want from me? So I think

597
00:25:42,640 --> 00:25:45,760
Speaker 5: trying to get the feedback from whoever was hiring, or

598
00:25:45,760 --> 00:25:49,280
Speaker 5: from your manager, your head of department, whatever, and saying, hey, like,

599
00:25:49,280 --> 00:25:51,199
Speaker 5: what was the difference, like out of curiosity, like what

600
00:25:51,359 --> 00:25:54,320
Speaker 5: pushed this person over the edge versus me? Because obviously

601
00:25:54,400 --> 00:25:57,000
Speaker 5: it's hard outside looking in to know exactly what somebody

602
00:25:57,000 --> 00:25:59,480
Speaker 5: has going on, or what experience they've got or what

603
00:25:59,600 --> 00:26:02,159
Speaker 5: might have you know, maybe it's their personality, it could be,

604
00:26:02,240 --> 00:26:03,960
Speaker 5: as you were saying, in an element of who you know,

605
00:26:04,080 --> 00:26:07,119
Speaker 5: like it would be a miss to not acknowledge that that.

606
00:26:07,320 --> 00:26:08,400
Speaker 2: Is sometimes a factor.

607
00:26:09,000 --> 00:26:11,479
Speaker 5: So seeking feedback on what the difference is and saying, hey, like,

608
00:26:11,520 --> 00:26:13,760
Speaker 5: what do I need to do to get to xyzed?

609
00:26:13,960 --> 00:26:17,920
Speaker 5: I think setting like really measurable, attainable, actionable things for yourself.

610
00:26:18,560 --> 00:26:21,119
Speaker 5: With that being said, I kind of would echo what

611
00:26:21,160 --> 00:26:23,560
Speaker 5: your partner said, like, we've spoken about it before. You know,

612
00:26:23,800 --> 00:26:26,840
Speaker 5: it's people who change jobs every is it three years,

613
00:26:26,840 --> 00:26:29,960
Speaker 5: two to three years on average, earn more, receive more

614
00:26:30,000 --> 00:26:33,520
Speaker 5: promotions because they're moving outside of their bubble. And I

615
00:26:33,640 --> 00:26:35,760
Speaker 5: was walking to a friend about this recently. I think

616
00:26:35,800 --> 00:26:38,520
Speaker 5: that people, and I put myself very much in this bucket,

617
00:26:38,840 --> 00:26:43,000
Speaker 5: people who are risk adverse get in our own way.

618
00:26:43,160 --> 00:26:46,560
Speaker 5: I was reading a biography of a CEO and something

619
00:26:46,560 --> 00:26:49,280
Speaker 5: that I've seen in a lot of those you know, biographies,

620
00:26:49,280 --> 00:26:53,639
Speaker 5: in LinkedIn posts whatever, people reflecting on their experiences. It

621
00:26:53,800 --> 00:26:56,800
Speaker 5: seems to be that whether it's fate, whether it's luck,

622
00:26:56,800 --> 00:27:00,840
Speaker 5: whether it's just taking the chance, people who take risks

623
00:27:01,760 --> 00:27:04,280
Speaker 5: seem to go further. And that is maybe because they're

624
00:27:04,280 --> 00:27:06,800
Speaker 5: giving themselves the opportunity to do so. And as someone who,

625
00:27:06,840 --> 00:27:09,919
Speaker 5: as I said, is very risk adverse, I think we

626
00:27:10,040 --> 00:27:11,840
Speaker 5: have to acknowledge that in a sense, we took it

627
00:27:11,880 --> 00:27:13,159
Speaker 5: in our own way a little bit, and even our

628
00:27:13,160 --> 00:27:15,400
Speaker 5: listener was saying, oh, like, I don't want to throw

629
00:27:15,400 --> 00:27:16,840
Speaker 5: away the work that I've done. I don't want to

630
00:27:16,840 --> 00:27:18,719
Speaker 5: do these I don't want to do that. Whereas if

631
00:27:18,760 --> 00:27:21,480
Speaker 5: I think about the people that I know, like Vita,

632
00:27:21,520 --> 00:27:23,840
Speaker 5: you're a great example, like you'll just go, fine, we'll

633
00:27:23,840 --> 00:27:25,520
Speaker 5: figure it out, jump in feet first.

634
00:27:25,600 --> 00:27:29,879
Speaker 4: Oh yeah, I scare her on a face. Honestly, you

635
00:27:29,920 --> 00:27:32,720
Speaker 4: can tell. And it's like not even a bad thing.

636
00:27:32,840 --> 00:27:35,480
Speaker 4: You can just tell the difference in personalities, like we're

637
00:27:35,480 --> 00:27:39,560
Speaker 4: both definitely type A, but we are both like I'm

638
00:27:39,600 --> 00:27:42,200
Speaker 4: happy to do a risk it for the biscuits, all good,

639
00:27:42,200 --> 00:27:44,960
Speaker 4: and just as like what you're doing you, I'm always

640
00:27:45,000 --> 00:27:47,520
Speaker 4: like it, Yes, we'll just jump and then we'll work

641
00:27:47,560 --> 00:27:48,480
Speaker 4: out what we do next.

642
00:27:48,600 --> 00:27:49,320
Speaker 2: It's fine.

643
00:27:49,480 --> 00:27:51,640
Speaker 5: But it's it's people like you, and I know quite

644
00:27:51,640 --> 00:27:54,040
Speaker 5: a few people who have that same kind of attribute.

645
00:27:54,440 --> 00:27:56,760
Speaker 5: And it seems to me, just as an outsider looking in,

646
00:27:57,080 --> 00:27:59,640
Speaker 5: like sometimes you do just need to go. I'll figure

647
00:27:59,680 --> 00:28:01,679
Speaker 5: it out, like I'm just going to do it and

648
00:28:01,720 --> 00:28:03,280
Speaker 5: I'll figure it out. And I know that's easier said

649
00:28:03,280 --> 00:28:04,600
Speaker 5: than done, because me, it is easy.

650
00:28:04,880 --> 00:28:07,679
Speaker 2: I can't imagine. No, no, you can't be doing that.

651
00:28:08,080 --> 00:28:10,080
Speaker 2: But it's just it's fruit for thought. I suppose it

652
00:28:10,160 --> 00:28:11,800
Speaker 2: is what I would say, Yeah, one hundred percent.

653
00:28:11,880 --> 00:28:16,119
Speaker 4: I think when I look at this, like jumping a

654
00:28:16,160 --> 00:28:19,400
Speaker 4: little bit ahead, we asked the question would missing out

655
00:28:19,400 --> 00:28:23,000
Speaker 4: on a promotion, make you value your worth an eighty

656
00:28:23,040 --> 00:28:25,840
Speaker 4: two percent of you said yes, and that's obvious in

657
00:28:25,880 --> 00:28:29,320
Speaker 4: your DM. So you've said, yeah, like, I'm starting to

658
00:28:29,320 --> 00:28:33,000
Speaker 4: feel undervalued, and you know, obviously I don't know your

659
00:28:33,240 --> 00:28:35,680
Speaker 4: your situation. It could be super corporate, and yeah, maybe

660
00:28:35,720 --> 00:28:37,800
Speaker 4: you do feel undervalued, and I don't want to undermine

661
00:28:37,800 --> 00:28:40,400
Speaker 4: that at all. But I then look at it and say,

662
00:28:40,600 --> 00:28:42,400
Speaker 4: you know, let's say there was a role that both

663
00:28:42,680 --> 00:28:45,000
Speaker 4: you two wanted to go for, so Beg you're up

664
00:28:45,000 --> 00:28:46,800
Speaker 4: for it, and Jes you're up for it. Because I've

665
00:28:46,800 --> 00:28:48,600
Speaker 4: I've only got one role in my business.

666
00:28:49,680 --> 00:28:52,240
Speaker 2: That doesn't actually mean that I.

667
00:28:51,680 --> 00:28:54,920
Speaker 4: Undervalue both of you or undervalue the one that didn't

668
00:28:54,960 --> 00:28:57,800
Speaker 4: take that role. Like it can be really hard as

669
00:28:57,840 --> 00:29:01,080
Speaker 4: the hiring manager to go, okay, cool, like there's this

670
00:29:01,200 --> 00:29:04,240
Speaker 4: job going at this workplace. Say it's like, you know,

671
00:29:04,720 --> 00:29:08,760
Speaker 4: head honcho of X y Z, and Jess really wants it,

672
00:29:08,840 --> 00:29:11,200
Speaker 4: like she's been working in partnerships for ages and Beck

673
00:29:11,240 --> 00:29:13,400
Speaker 4: you've been working in video for ages and you both

674
00:29:13,440 --> 00:29:15,920
Speaker 4: want it, and you bring different skill sets to the table.

675
00:29:16,280 --> 00:29:19,760
Speaker 4: And sometimes it genuinely comes down to how you interviewed,

676
00:29:20,080 --> 00:29:23,320
Speaker 4: not necessarily the above and the beyond, like, and you

677
00:29:23,360 --> 00:29:25,040
Speaker 4: know what Jess has done in her role and off,

678
00:29:25,080 --> 00:29:27,160
Speaker 4: she's been here longer than you, Beck, so she should

679
00:29:27,160 --> 00:29:30,360
Speaker 4: get like, it's not about that. Sometimes it's literally, Okay,

680
00:29:30,400 --> 00:29:33,720
Speaker 4: we're going to do a interview.

681
00:29:33,800 --> 00:29:35,600
Speaker 2: Jess, you're going to interview for it. Beck, you're going

682
00:29:35,640 --> 00:29:36,360
Speaker 2: to interview for it.

683
00:29:36,400 --> 00:29:39,760
Speaker 4: And maybe one of you just performed better in that interview.

684
00:29:39,760 --> 00:29:42,880
Speaker 4: It doesn't mean that your employer doesn't value you. I

685
00:29:42,920 --> 00:29:46,320
Speaker 4: think that it makes me a bit sad to think

686
00:29:46,360 --> 00:29:49,720
Speaker 4: that because of the outcome, you see yourself as less

687
00:29:49,800 --> 00:29:52,320
Speaker 4: or that somebody else might see you as less, And

688
00:29:52,360 --> 00:29:54,320
Speaker 4: that's not the case at all, because, like I can

689
00:29:54,360 --> 00:29:57,440
Speaker 4: almost guarantee your situation, Beck, the jobs that you weren't getting,

690
00:29:57,800 --> 00:30:00,000
Speaker 4: Like if you had asked for feedback and said, hey,

691
00:30:00,120 --> 00:30:02,920
Speaker 4: i'd love some feedback about why this person got it,

692
00:30:03,120 --> 00:30:05,040
Speaker 4: they would have been able to put some real tangible

693
00:30:05,080 --> 00:30:08,800
Speaker 4: things on the table that you could have then worked towards.

694
00:30:09,200 --> 00:30:11,680
Speaker 4: So it could have been, oh, well, actually i'm sorry

695
00:30:11,680 --> 00:30:14,400
Speaker 4: you didn't get the video producer rollback because actually we

696
00:30:14,480 --> 00:30:17,880
Speaker 4: had somebody who had a seasoned career in video production

697
00:30:18,000 --> 00:30:21,320
Speaker 4: and had done a B C DNE and you're a

698
00:30:21,320 --> 00:30:25,840
Speaker 4: fantastic human being. We don't undervalue you, but you wouldn't

699
00:30:25,840 --> 00:30:28,120
Speaker 4: be able to bring those things to that job. And

700
00:30:28,160 --> 00:30:31,760
Speaker 4: so in this particular occasion when we were comparing apples

701
00:30:31,760 --> 00:30:34,560
Speaker 4: with apples for the job, that square fit better in

702
00:30:34,600 --> 00:30:38,280
Speaker 4: that square peg hole than your round peg. And sometimes

703
00:30:38,280 --> 00:30:40,880
Speaker 4: it's just not the right time, it's not the right fit.

704
00:30:41,000 --> 00:30:43,920
Speaker 4: And it really, I know, probably is just me being

705
00:30:43,960 --> 00:30:46,240
Speaker 4: like we deserve better, like we should value ourselves. I

706
00:30:46,320 --> 00:30:48,920
Speaker 4: don't think that your value is diminished because you didn't

707
00:30:48,920 --> 00:30:49,440
Speaker 4: get a job.

708
00:30:49,680 --> 00:30:50,880
Speaker 2: I think we need to reframe it.

709
00:30:50,960 --> 00:30:53,200
Speaker 4: Do what you said, let's ask for some feedback, Like

710
00:30:53,280 --> 00:30:55,240
Speaker 4: I want some tangible feedback as to why I didn't

711
00:30:55,240 --> 00:30:58,440
Speaker 4: get it. I'm not salty about this, but I want

712
00:30:58,440 --> 00:31:00,040
Speaker 4: to know so that I can do better, or I

713
00:31:00,080 --> 00:31:02,280
Speaker 4: can go and study, or I can, you know, take

714
00:31:02,320 --> 00:31:04,440
Speaker 4: on some more responsibilities that work, so next time I

715
00:31:04,480 --> 00:31:07,840
Speaker 4: go for the job, I am the perfect candidate. I

716
00:31:07,960 --> 00:31:09,960
Speaker 4: also just think we should be backing ourselves. Do you

717
00:31:10,040 --> 00:31:11,479
Speaker 4: know how hard it is to put your hand up

718
00:31:11,480 --> 00:31:13,960
Speaker 4: for a promotion, be like, hey, I'd really like to

719
00:31:14,000 --> 00:31:17,120
Speaker 4: be considered for X, y Z. Like you've gotten out

720
00:31:17,160 --> 00:31:20,719
Speaker 4: of that experience, some more experience you've got, you know,

721
00:31:20,960 --> 00:31:24,320
Speaker 4: the ability to interview more confidently next time. You've already

722
00:31:24,400 --> 00:31:27,720
Speaker 4: shown to your leaders that you are you willing to

723
00:31:27,720 --> 00:31:30,480
Speaker 4: put yourself out there. Not many people do that, and

724
00:31:30,520 --> 00:31:33,520
Speaker 4: I think that we just you're not giving yourself enough credit.

725
00:31:33,800 --> 00:31:36,760
Speaker 4: But then obviously there's that overlay that you're talking about, Jess,

726
00:31:36,760 --> 00:31:38,800
Speaker 4: where you know, sometimes you do have to leave your

727
00:31:38,840 --> 00:31:43,160
Speaker 4: bubble to make it bigger. But I also just really

728
00:31:43,160 --> 00:31:46,520
Speaker 4: want to reiterate that sometimes the bubble's not undervaluing you,

729
00:31:46,520 --> 00:31:49,880
Speaker 4: you're just in the wrong space for what you're trying

730
00:31:49,920 --> 00:31:50,480
Speaker 4: to achieve.

731
00:31:51,200 --> 00:31:53,320
Speaker 5: Very good point, but if you are like if you

732
00:31:53,360 --> 00:31:54,920
Speaker 5: have applied for a lot of I think they were

733
00:31:54,920 --> 00:31:57,080
Speaker 5: saying they've applied for a lot of promotions, and you know,

734
00:31:57,120 --> 00:32:00,760
Speaker 5: if you are feeling that way, I think also you know,

735
00:32:00,800 --> 00:32:02,720
Speaker 5: once you know what you need to do, you can

736
00:32:02,720 --> 00:32:04,760
Speaker 5: decide whether or not that's right for you. And if

737
00:32:04,800 --> 00:32:07,120
Speaker 5: it's not, like maybe you can go and find somewhere.

738
00:32:07,640 --> 00:32:10,240
Speaker 4: And like, I don't want to say this to both

739
00:32:10,320 --> 00:32:13,360
Speaker 4: of you right now, but like, what's the harm in

740
00:32:13,400 --> 00:32:15,000
Speaker 4: having a conversation with a recruiter?

741
00:32:15,520 --> 00:32:16,400
Speaker 2: Where's the harm?

742
00:32:16,440 --> 00:32:19,480
Speaker 6: Like totally I don't know, Like, yeah, you know.

743
00:32:19,520 --> 00:32:25,600
Speaker 4: If you're not super happy, go fishing, that's fine.

744
00:32:26,080 --> 00:32:30,200
Speaker 6: Home, keep your eyes, have a little brows on seek

745
00:32:30,320 --> 00:32:31,920
Speaker 6: like there's no harm in just like having.

746
00:32:32,640 --> 00:32:33,440
Speaker 2: Have a little peak.

747
00:32:33,600 --> 00:32:37,160
Speaker 4: But what you're saying is you haven't given me enough context.

748
00:32:37,320 --> 00:32:39,720
Speaker 4: So I'm assuming you don't have that answer because you

749
00:32:39,760 --> 00:32:41,880
Speaker 4: said they gave it to someone else, And now I'm

750
00:32:41,880 --> 00:32:42,720
Speaker 4: now wondering if I.

751
00:32:42,680 --> 00:32:43,400
Speaker 2: Wasted my time.

752
00:32:43,920 --> 00:32:46,320
Speaker 4: You would not be saying you wasted your time if

753
00:32:46,320 --> 00:32:48,160
Speaker 4: someone turned around and said, oh my god, did you

754
00:32:48,240 --> 00:32:51,120
Speaker 4: know that Jess actually has been doing partnerships for three

755
00:32:51,200 --> 00:32:53,800
Speaker 4: years and like she can bring x y z ah,

756
00:32:54,240 --> 00:32:57,200
Speaker 4: I didn't waste my time at all, Like, I'm just

757
00:32:57,240 --> 00:32:59,760
Speaker 4: really glad Jess got that opportunity or vice versa. Like

758
00:32:59,760 --> 00:33:01,960
Speaker 4: if went for a video production role and you got it,

759
00:33:02,000 --> 00:33:04,120
Speaker 4: she'd be like, but I'm really passionate about it. I'd

760
00:33:04,160 --> 00:33:06,160
Speaker 4: be like, but did you know Beck's been doing xbos?

761
00:33:06,240 --> 00:33:07,959
Speaker 4: Like you just don't know what you don't know?

762
00:33:08,120 --> 00:33:11,680
Speaker 6: And also, no experience is a waste of time. Arguably

763
00:33:11,960 --> 00:33:14,800
Speaker 6: exactly theory, but that's a story for another time.

764
00:33:15,080 --> 00:33:17,000
Speaker 2: You never wasting your time when everyone else say so.

765
00:33:17,400 --> 00:33:19,520
Speaker 4: Back to the question, Yeah, we did ask our community

766
00:33:19,560 --> 00:33:21,600
Speaker 4: a few questions. I read out this one before. Would

767
00:33:21,640 --> 00:33:23,600
Speaker 4: missing out on a promotion make you value worth?

768
00:33:23,680 --> 00:33:26,240
Speaker 2: Eighty two percent of you said yes, I get that.

769
00:33:26,400 --> 00:33:29,600
Speaker 4: Eighteen percent of you said nope, one promotion doesn't define me.

770
00:33:30,560 --> 00:33:32,680
Speaker 2: That's the energy we want to bring into next year.

771
00:33:33,840 --> 00:33:34,600
Speaker 2: We then asked the.

772
00:33:34,560 --> 00:33:38,000
Speaker 4: Question what is more important to you? Forty nine percent

773
00:33:38,040 --> 00:33:41,920
Speaker 4: of you said stability, security matters more, and fifty one

774
00:33:42,000 --> 00:33:43,640
Speaker 4: percent of you said, my career growth.

775
00:33:43,640 --> 00:33:44,600
Speaker 2: The risk is worth it.

776
00:33:45,480 --> 00:33:48,080
Speaker 4: Yeah, even split some of you address some of you

777
00:33:48,120 --> 00:33:52,640
Speaker 4: are victoria. We then said, all right, we're gonna need

778
00:33:52,720 --> 00:33:56,440
Speaker 4: your two cents. What does that look like? And we

779
00:33:56,520 --> 00:34:00,120
Speaker 4: had a lot of colorful conversation. So someone said, I

780
00:34:00,160 --> 00:34:03,240
Speaker 4: missed out on a promotion recently too. I didn't interview

781
00:34:03,240 --> 00:34:04,880
Speaker 4: well on the day it happens.

782
00:34:05,280 --> 00:34:06,160
Speaker 2: Yeah, it's true.

783
00:34:06,520 --> 00:34:09,360
Speaker 4: Someone else said, maybe the other person was just better.

784
00:34:09,360 --> 00:34:10,680
Speaker 4: It doesn't mean you weren't good.

785
00:34:11,280 --> 00:34:13,239
Speaker 2: Just keep going. Yeah.

786
00:34:13,440 --> 00:34:17,960
Speaker 4: Another person said, company loyalty is not rewarded for career

787
00:34:18,000 --> 00:34:21,120
Speaker 4: growth and better pay. Change your job often, that's what

788
00:34:21,160 --> 00:34:25,120
Speaker 4: the stats say. Someone else said, what's more important? Neither

789
00:34:25,200 --> 00:34:28,239
Speaker 4: of those options? Flexibility, job satisfaction.

790
00:34:27,719 --> 00:34:29,480
Speaker 2: And work life balance. I like that.

791
00:34:29,800 --> 00:34:32,359
Speaker 4: Yes, another person said, I think it's important to ask

792
00:34:32,400 --> 00:34:35,560
Speaker 4: for feedback before spiraling into why not me and I'm

793
00:34:35,600 --> 00:34:39,680
Speaker 4: not valued fair? Yeah, that's where I'm sitting. Someone else said,

794
00:34:39,719 --> 00:34:42,480
Speaker 4: speak to your superiors about how you're feeling right now.

795
00:34:42,920 --> 00:34:45,160
Speaker 4: And someone else said, I'm actually in this spot right now,

796
00:34:45,360 --> 00:34:48,319
Speaker 4: and sadly, I'm probably going to choose the stability right

797
00:34:48,320 --> 00:34:51,160
Speaker 4: now because my mortgage is expensive and cost of living.

798
00:34:51,719 --> 00:34:52,800
Speaker 2: That's totally valid.

799
00:34:53,000 --> 00:34:56,080
Speaker 4: Yeah, someone else said, they're on your page, Beck, They

800
00:34:56,080 --> 00:34:59,520
Speaker 4: said the sunk cost fallacy effect. Think about what they've

801
00:34:59,520 --> 00:35:00,960
Speaker 4: given you versus your output.

802
00:35:01,200 --> 00:35:04,400
Speaker 2: Maybe it's time to go. Ah, well I was.

803
00:35:04,520 --> 00:35:07,000
Speaker 4: I was saying this on a podcast the other a

804
00:35:07,080 --> 00:35:09,520
Speaker 4: little while ago. Actually, I shared a quote that I

805
00:35:09,560 --> 00:35:11,680
Speaker 4: believe my dad told me. He said that if you

806
00:35:11,680 --> 00:35:14,799
Speaker 4: don't get off the train soon, the return ticket's going

807
00:35:14,840 --> 00:35:15,719
Speaker 4: to cost you a lot more.

808
00:35:16,360 --> 00:35:19,319
Speaker 7: Oh that is a great.

809
00:35:18,719 --> 00:35:21,440
Speaker 4: And I was like, oh, it's true, Like, yeah, I

810
00:35:21,520 --> 00:35:23,400
Speaker 4: might have already paid for the train ticket, but like

811
00:35:23,440 --> 00:35:25,920
Speaker 4: it's the wrong train, So if I don't get off now.

812
00:35:25,960 --> 00:35:27,279
Speaker 2: Can take you on going to get that, it's going

813
00:35:27,320 --> 00:35:29,120
Speaker 2: to take me longer. It's going to be more expensive

814
00:35:29,160 --> 00:35:32,200
Speaker 2: to get back. Like I like that. Yeah, I like

815
00:35:32,480 --> 00:35:36,239
Speaker 2: isn't it cute? Yeah, Eric strapping the truth Bob exactly.

816
00:35:36,719 --> 00:35:40,719
Speaker 4: Someone else said same situation four weeks later, though new

817
00:35:40,800 --> 00:35:41,480
Speaker 4: job closer.

818
00:35:41,640 --> 00:35:45,680
Speaker 2: Fancy a title forty grand more. Take the risks great,

819
00:35:46,960 --> 00:35:48,920
Speaker 2: So I'll leave it there. I won't read out anymore.

820
00:35:48,960 --> 00:35:50,520
Speaker 2: I feel like that's a good place to leave it.

821
00:35:50,719 --> 00:35:51,520
Speaker 7: Yeah, that's great.

822
00:35:51,960 --> 00:35:53,080
Speaker 2: Should we get into the blue?

823
00:35:53,640 --> 00:35:53,960
Speaker 9: Oh?

824
00:35:54,040 --> 00:36:00,080
Speaker 2: I cannot scate. I cannot waste scared. I was scared embarrassing.

825
00:36:01,800 --> 00:36:03,680
Speaker 5: You a lot of stuff Like you guys hear such

826
00:36:03,680 --> 00:36:07,279
Speaker 5: a polished, lovely episode because our incredible team make it so.

827
00:36:07,520 --> 00:36:13,640
Speaker 4: But oh my god, we are unhinged and probably shouldn't

828
00:36:13,640 --> 00:36:17,200
Speaker 4: be on the airwaves sometimes abstely.

829
00:36:16,680 --> 00:36:18,400
Speaker 2: That roll the tape.

830
00:36:21,840 --> 00:36:23,840
Speaker 9: Well, it's been another great year if she's on the

831
00:36:23,840 --> 00:36:26,319
Speaker 9: money for twenty twenty four. And trust me when I

832
00:36:26,360 --> 00:36:29,600
Speaker 9: say that, as always, things were a lot more chaotic

833
00:36:29,719 --> 00:36:30,720
Speaker 9: behind the scenes.

834
00:36:31,200 --> 00:36:35,320
Speaker 5: This did my eyes like get stuck together because I

835
00:36:35,400 --> 00:36:36,000
Speaker 5: got that out.

836
00:36:36,040 --> 00:36:37,280
Speaker 2: That was not good content.

837
00:36:37,400 --> 00:36:39,520
Speaker 9: Besides the chaos, you'll be happy to hear that not

838
00:36:39,600 --> 00:36:42,719
Speaker 9: a lot has changed. Victoria still has a favorite time

839
00:36:42,719 --> 00:36:43,200
Speaker 9: of the day.

840
00:36:43,320 --> 00:36:45,080
Speaker 2: She could have got more, but at the end of

841
00:36:45,160 --> 00:36:46,560
Speaker 2: the day, at the end of the day.

842
00:36:46,680 --> 00:36:48,279
Speaker 4: You know what, it is subjective, but at the end

843
00:36:48,280 --> 00:36:49,680
Speaker 4: of the day, I just think everything you do is

844
00:36:49,719 --> 00:36:51,960
Speaker 4: good because even if at the end of the day,

845
00:36:52,239 --> 00:36:53,760
Speaker 4: the end of the day they're is service.

846
00:36:54,239 --> 00:36:56,560
Speaker 9: Jess is still so sure of civil rights that she'd

847
00:36:56,560 --> 00:36:59,719
Speaker 9: make a great private detective. And we discovered this when

848
00:36:59,719 --> 00:37:02,000
Speaker 9: she was looking through photos on her phone for the

849
00:37:02,040 --> 00:37:03,439
Speaker 9: next money Winner of the Week.

850
00:37:03,800 --> 00:37:06,880
Speaker 2: Thank you that that's a photo of a truck that

851
00:37:06,920 --> 00:37:11,919
Speaker 2: was taila he had no breaklat.

852
00:37:12,080 --> 00:37:14,839
Speaker 9: Beck still thinks that the microphones can't hear her if

853
00:37:14,880 --> 00:37:16,319
Speaker 9: she whispers, what.

854
00:37:16,360 --> 00:37:20,800
Speaker 2: If you got better whispering in case anybody?

855
00:37:23,080 --> 00:37:26,640
Speaker 9: And Lucy is still wandering the halls of the building

856
00:37:26,719 --> 00:37:28,120
Speaker 9: while the girls record.

857
00:37:28,120 --> 00:37:30,800
Speaker 5: Like all those kinds of things impact your credit squols,

858
00:37:30,920 --> 00:37:33,480
Speaker 5: door opening or am I am I having a stroke?

859
00:37:33,560 --> 00:37:36,960
Speaker 5: Did that? I'm wearing my contacts, so I'm like, I

860
00:37:37,000 --> 00:37:39,480
Speaker 5: can't tell if it's like it was Lucy.

861
00:37:44,640 --> 00:37:48,040
Speaker 9: But there have been some changes too. Beck has started

862
00:37:48,040 --> 00:37:50,840
Speaker 9: to think everyone is psychic and knows what she's trying

863
00:37:50,840 --> 00:37:51,120
Speaker 9: to say.

864
00:37:51,160 --> 00:37:53,960
Speaker 7: So I went through and I had what's a word?

865
00:37:54,000 --> 00:37:54,479
Speaker 6: What's the word?

866
00:37:54,680 --> 00:37:58,440
Speaker 2: I don't know. You're telling your story, not me, babycakes.

867
00:37:58,840 --> 00:38:00,680
Speaker 7: You know, there's so many like reads that are.

868
00:38:00,600 --> 00:38:12,920
Speaker 10: Like no, it's Jess may have a secret identity homereak, which.

869
00:38:17,719 --> 00:38:23,000
Speaker 9: You are, and Victoria's mumbrain is keeping us in overdrive

870
00:38:23,080 --> 00:38:25,479
Speaker 9: to ensure nothing dirty ends up on the show.

871
00:38:25,600 --> 00:38:27,680
Speaker 4: Maybe Jess needs a job and she's on the money

872
00:38:27,680 --> 00:38:29,480
Speaker 4: and it could be V in two j's.

873
00:38:33,719 --> 00:38:36,719
Speaker 2: Your face? Just why was that funny?

874
00:38:36,880 --> 00:38:38,400
Speaker 3: It's loadly.

875
00:38:40,880 --> 00:38:43,600
Speaker 9: Jess is also doing that. She just doesn't have an excuse.

876
00:38:43,880 --> 00:38:45,920
Speaker 5: I switched to amaze him after being loyal to a

877
00:38:45,920 --> 00:38:46,439
Speaker 5: big tail.

878
00:38:46,520 --> 00:38:48,600
Speaker 2: Come sorry.

879
00:38:49,040 --> 00:38:51,840
Speaker 9: Overall, it's been a great year for She's on the money,

880
00:38:52,000 --> 00:38:53,600
Speaker 9: or as V would call it.

881
00:38:53,800 --> 00:39:02,200
Speaker 2: Hi, she's on the funny.

882
00:39:02,719 --> 00:39:05,240
Speaker 7: Oh my god, that's really actually crying.

883
00:39:06,680 --> 00:39:09,960
Speaker 4: I am actually low key disappointed that Sam didn't pull

884
00:39:10,040 --> 00:39:12,080
Speaker 4: together more of your private detective work.

885
00:39:12,160 --> 00:39:16,400
Speaker 2: You are always talking. It's been a good year, guys.

886
00:39:16,600 --> 00:39:18,040
Speaker 2: It has been a good year.

887
00:39:18,160 --> 00:39:21,440
Speaker 7: Yeah, it's been really fun. I love you guys.

888
00:39:22,239 --> 00:39:25,359
Speaker 2: I love doing this. It is so fun, even if

889
00:39:25,360 --> 00:39:30,400
Speaker 2: we sometimes don't have the words or the brains. Apparently,

890
00:39:30,480 --> 00:39:31,279
Speaker 2: according to.

891
00:39:31,200 --> 00:39:34,160
Speaker 7: Me, nothing funny than when someone miss mess the word.

892
00:39:34,239 --> 00:39:39,399
Speaker 7: Usually it's yes, I want to say. Usually it's yes, yes,

893
00:39:41,480 --> 00:39:44,080
Speaker 7: here is the kettle black. That's very true.

894
00:39:47,000 --> 00:39:49,839
Speaker 2: You haven't stopped whispering into my corn that no one

895
00:39:49,840 --> 00:39:50,200
Speaker 2: knows what.

896
00:39:52,280 --> 00:39:52,520
Speaker 9: Yes.

897
00:39:52,600 --> 00:39:55,640
Speaker 6: On that note, let's go for a fantastic year, guys.

898
00:39:55,680 --> 00:40:02,160
Speaker 2: It's been a time. See next year, guys. Bye bye.

899
00:40:06,040 --> 00:40:08,560
Speaker 4: The advice shared on She's on the Money is general

900
00:40:08,640 --> 00:40:12,480
Speaker 4: in nature and does not consider your individual circumstances. She's

901
00:40:12,520 --> 00:40:16,000
Speaker 4: on the Money exists purely for educational purposes and should

902
00:40:16,000 --> 00:40:19,200
Speaker 4: not be relied upon to make an investment or financial decision.

903
00:40:19,560 --> 00:40:22,040
Speaker 4: If you do choose to buy a financial product, read

904
00:40:22,040 --> 00:40:25,680
Speaker 4: the PDS TMD and obtain appropriate financial advice.

905
00:40:25,400 --> 00:40:26,760
Speaker 2: Tailored towards your needs.

906
00:40:27,120 --> 00:40:31,080
Speaker 4: Victoria Divine and She's on the Money are authorized representatives

907
00:40:31,120 --> 00:40:35,000
Speaker 4: of money. Shepper Pty Ltd ABN three two one IS

908
00:40:35,040 --> 00:40:38,879
Speaker 4: six four nine two seven seven zero eight AFSL four

909
00:40:39,000 --> 00:40:43,879
Speaker 4: five one two eight nine